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  • I have used ING Direct (ING) for high rate savings for a few years. I am happy with the online services that I have received so far. ING can offer above average interest rates for their regular saving account, tax-free saving account and GIC because it is an online bank. Per my experience, the website is easy to maneuver, and the transfer instructions are executed in a reliable manner. This is a testimony of how well the software is written. There is no minimum balance requirement, and is no fee for unlimited transactions. Therefore, I use the saving account as a cash management account, leaving minimum float balance in a regular checking account at a brick-and-mortal bank. I have never used its mortgage service, so I cannot attest to it. It, though, has competitive posted rates. ING was bought by Scotia Bank (BNS) in 2012. BNS indicated that it would leave ING as an independently run business; it would be business as usual to ING customers. Only time will tell if these high rates will stay. In the meantime, ING customers enjoy the good time as long as it lasts.
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