ING Direct has an online checking account with interest rates that can compete with some of the best savings rates. But not only are the bank rates worth looking at for the Electric Orange checking account, there are no maintenance fees no matter the size of your balance. Here are some of the details:
- Doesn’t require a minimum balance to earn interest
- Free MasterCard debit card and online bill pay
- Free access to over 35,000 ATMs
- No minimum deposit to open an account
- Electronic statements each month there is activity on an account
- Interest is calculated daily
The Electric Orange checking account has bank rates of 1.63% (1.65% annual percentage rate) for balances of $100,000 and up, 1.58% (1.6% APY) for $50,000 to $99,999, and 0.24% (0.25% APY) for up to $49,999. Those bank rates went into effect on March 21, but could change at any time.
You won’t receive paper checks to use with the Electric Orange account, but you’ll be able to make payments online and transfer money. You can also set up direct deposit for your paychecks. Customers are restricted to having only one Electric Orange Account.
If you’re strictly looking for good savings rates without checking, ING Direct also has an Orange Savings Account with a 1.4% APY (as of July 3).
- 6 Month CD %
- 1-year CD %
- 2-year CD %
- Money Market Account %
- Savings Account %
- 30-year Fixed Mortgage 3.92 %
Bank rates provided by MoneyRates.com based on average rates for deposits under $10K and conforming mortgage rates
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