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I just got a financial advisor, and she told me to put my loose cash in ING while we figured out what to do. So I have, and it works as advertised, and seems safe. But I hd the devil of a time getting the account set up, because I set up a joint account for myself and my wife, linked to a joint checking account owned by myself and my wife. When ING sent over the test transactions to confirm the link, they sent two sets of them, one for me and one for my wife, on separate days, with no way of telling which transactions were for which user. And nobody explained that there _would_ be separate confirmation transactions for each user in _one account._
So I kept entering the wrong transactions on the link confirmation screen, and kept getting locked out. Took three customer support guys to finally find a guy who knew how/why I was screwing up. If you're just setting up an account for yourself, though, you should have no troubles.
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