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No. of Recommendations: 1
I've read all the posts and have an ING account. Here's the way I use it.

1. I only keep money that would be used in a true emergency in ING.
2. I keep another savings account linked to my checking account that would be used for a lesser emergency (couple thousand bucks or so).

If something should arise that would deplete #2, I would charge whatever it is onto my credit card and leave that money intact. Then I will transfer the money from ING back to the regular checking account and use that to pay the credit card bill 3 weeks or so later. Since I don't carry credit card balances, I don't pay interest on the "lent" money from the CC company in this situation.

I agree with GiveMeBackMyName that ING "is what it is". What it is not is a full service bank and IMHO should not be used that way.

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