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I know about a the 5 day hold period. The problem is that ING does not allow INITIATE outgoing ACH transfers at all, I can do only incoming ACH transfers...

If you opened the account on-line they now have new process to verify your linked account. They deposit two small amounts (under $1) in your linked account and then you have to go on-line and verify them. If it is a joint account you have to verify them under both account holders client numbers. This caused me a bit of trouble (I forgot to have my wife verify them amounts).

Hope this helps,
Jeremy
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