High interest rates. Usable website. Nice to their customers. I agree . . .That's a nice mix!

Where do you get 'almost 5%'? Looks like 3.5% to me: http://www.ingdirect.ca/en/acct_rate/index.html

PC Financial is doing 4%, and there are actual ATMs that work for them (any CIBC ATM is a PC Financial ATM).

The Bank of Canada's money market rate is almost 4.25% - anything between that and your savings account, and the bank is making free money on your savings.

http://www.bankofcanada.ca/en/rates/monmrt.html

eTrade Canada actually has a 4.25% savings account, but that's a higher barrier to entry than most people are willing to put up with.

Hey Jordan -- nice to see you here! I think the confusion may be a Canada / US thing. We have users on both sides of the border.

I have been sending more and more of my banking business to them - every time I have a great experience. Most recently, I set up an RSP account and not only did it take 2 seconds flat, but there are NO fees. Big banks charge fees for absolutely everything because they can get away with it. But not for long if we all keep moving the other direction.

I have been noticing their rates more and more lately. I know someone that just recently got her mortgage therough them as well. After a great deal of rate shopping, she was finally convinced that ING was giving her the best rate. Myself, I used to have a mortgage through another virtual bank. I thought that because they offer a no haggle rate, I would get the best deal. NOT so. I will definitely look at ING when I renew next year.

I hope ING direct doesn't do this to you as they have to so many others:

I got an email from INGdirect last week stating that they were closing my recently opened Electric Orange account. I had used and replaced the overdraft which was very little anyway. Over the last 2 years I had saved thousands of dollars with them and purchased CDs over long periods of time. Last October my husband and I decided to renovate our home in The Bahamas to use as vacation rental so we needed most the funds that I had saved but each of our two children still had savings accounts with hundreds of dollars and when I applied for the Electric Orange account and they gave it to me.

I felt totally blindsided by this email from ING and it’s strange that they don’t really value their customers. When things were benefitting them, I was a great customer but when I needed my own money, they disposed of me.

Now I have to change my direct deposit (I’m with bank of america) and tell my kids that their savings accounts are being closed.

ING Direct savings accounts are great - have been with them for many years.

ING mortgage accounts are another story - I would say their mortgage department is unprofessional and 2nd class. I had many problems so far. Furthermore, the internet functionality of the mortgage account is almost non-existent. For instance, one still have to call to make additional payments. I also have to call to have them mail to me an amortization schedule. Why wouldn't this functionality be available online? Apparently ING are working on improving the functionality of the website as pertains to mortgage accounts, as they have had many complaints. Frankly, I'm quite surprised as I've had such a good experience with my savings account.