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It requires too much on deposit to be worthwhile to me and my current bank is a better fit anyway

And I think this is the important point. Banks like Presidential and Bank of Internet don't meet my personal needs, because they both require a minimum balance. ING fits much better, because the account I need is a "mad money" account which rarely holds more than 1k at a time - often much less.

My current mad money account is a Citibank e-savings/checking combo, which does pay more interest than ING, but is a PAIN to use. For the amount of money I put in, I'll take the slight cut in interest for ease of use. The only thing I wish ING had in this current version of the account is bill presentment, which is why I refuse to move my primary account there.
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