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Very helpful discussion thread to my post... I am under the (possibly mistaken) impression that to get one of these internet accounts started you actually send them a paper check first, so that was why I don't like the linking idea.

My concern was over the requirement to link when I assumed that you first mailed a regular check (so then why do they need a link right to my bank account?) The red flag went up: entince me with a great interest rate, give me a few dollars to sweeten the deal, and oh by the way link me directly to your bank account!! Just seemed odd.

However, if I am mistaken and you need to start the ING/etc account by a linked account and an ACH transfer in the first place, then I understand the need better.

Great discussion, lots of good logic, too. Thanks!

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