Interest Compounding: accrued daily, compounded monthly, credited monthly. This handy tool remains, with a max of 25 subaccounts. You can also easily set up automatic transfers to regular put aside different amounts of money into each of these accounts (i.e. For example, you could open up additional savings accounts called “Europe Vacation”, “Emergency Fund”, or “Jon’s Slush Fund”. Another unique feature of ING Direct was the ability to create unlimited subaccounts to better facilitate specific savings goals. In addition, while the default entry method is via mouse clicks to avoid keystroke loggers stealing your password, you can also use a keyboard to enter the PIN with a creative key-to-number conversion that changes each time. If you have an old 4-digit PIN, they’ll ask you to change the PIN to a 6-digit number for better security. You login with either a username/account number and a PIN number (not an alphanumeric pA$sW0rd). This is still a little unique amongst online savings accounts. However, there are a few other tweaks that I noticed were different from the ole’ ING Direct days. User InterfaceĪt first glance, the only thing that really changed was that the primary colors went from orange and blue to Capital One’s red and blue. Since I’ve had an account with them for over a decade (September 2001, as they remind me every time I log in), here’s an updated review of my 2nd oldest bank account meant for both new and existing customers. Their new savings account product is called Capital One Consumer Bank Savings. Capital One bought ING Direct USA back in early 2012, and has finally completed their transition and re-branding.
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