ING SAVINGS ACCOUNT – OPEN YOUR ING ORANGE SAVINGS ACCOUNT HERE AND PAY NO FEE.

ING Savings:
There are only four steps to open and fund your Orange Savings account in less than 5 minutes! (1) Enter your personal information. (2) Agree to the terms and conditions. (3) Electronically make a deposit from your existing checking account. (4) Review information and submit your application. Before you start applying for The Orange Savings Account: Have your personal checkbook handy. ING will link your existing checking account to your new Orange Savings Account. You can then easily transfer money between the two accounts via the ING website, interactive phone service or by calling ING Direct.

Additional personal identification in the form of a Drivers License or State Issued ID is required for customers over 16 years of age. For your security, ING Direct will ask you to confirm ownership of your checking account by verification.You must verify the two small deposits within 60 days from the date they are deposited or your money will be returned and your account closed. There is a 10 business day hold before initial deposits can be transferred back to your linked account, after this hold has expired all future deposits are subject to a 5 business day hold. Orange Savings cannot be used for business, trust, power of attorney, beneficiary or individual retirement accounts. More Specifics for opening an Orange Savings Account You must be a US citizen or permanent resident with a valid social security number.

Accounts must be opened with an opening deposit from your personal checking account. Money Market accounts with check writing privileges offered by brokerage or investment firms are not eligible. Also, if you see on your check the words 'Payable through' with another bank name listed, this account cannot be used to make your initial deposit. Account holders must be at least 16 years old or a joint holder with an adult. Additional electronic deposits will begin to accrue interest two business days after the deposit is made and be available for withdrawal after 5 business days. Please note that for security reasons initial deposits are held 10 business days. After this initial hold has expired, funds that have been on deposit for more than 5 business days may be withdrawn.

Transfers to your checking account will generally be at your bank within 3 business days.You may link up to 3 personal checking accounts. To add a link, send a personal check, made out for as little as $1.00, with your customer number and the word 'Link' on the check memo line. For added security, when you request that ING add a link, ING will place a 5 business day hold on all your ING Direct account balances.

Accounts set up on line will automatically be scheduled for electronic statements. If you would prefer to receive paper statements, go to the 'View My Account' page of the website, click on the 'My Info' tab and request your paper statements. Statements are generated each month that there is activity on your account. Setting up an Automatic Savings Plan can guarantee a statement is generated monthly.You must validate the 2 small deposits in your linked account no later than 60 days from the date the first deposit was made. If you do not validate the link within 60 days ING Direct will close the account, return the initial deposit including any interest earned to the linked account and you will be banned from doing business with ING Direct in the future. Although ING Direct does not charge fees, ING Direct cannot control the fees charged by your existing bank. Generally, banks do not charge for electronic funds transfers.

About ING Savings:
ING Direct isn't like other banks. ING Direct does business online, over the phone and by mail. Without the overhead and high operational costs of other banks, ING Direct can pass those savings onto customers. As proof, the Orange Savings Account lets you save with no fees, no minimums and one of the best rates in the nation. The Orange Mortgage has no application fee, a simple, no-hassle application, and great rates that can save you thousands on your mortgage compared to traditional 30-year fixed mortgages. ING Direct's unique approach to banking is backed by ING (NYSE:ING), a global financial institution of Dutch origin offering banking, insurance and asset management to over 60 million private, corporate and institutional clients in more than 50 countries. ING employs over 112,000 people in 65 countries, including more than 11,000 in the US, and has been operating in America for over 100 years. Your money is also FDIC Insured up to $100,000 giving you further peace of mind. ING Direct (the operating name of ING Bank, fsb) is headquartered in Wilmington, Delaware with innovative ING Direct Cafés in Philadelphia, New York and Los Angeles where you can experience what Orange is all about! Visit ING Direct and you will see how simple it is to save. Open an account and you'll be joining over 2 million customers who save their money with ING Direct in the US, and the 10 million customers served by ING Direct divisions in Canada, Australia, France, Spain, Italy, United Kingdom and Germany. This is the way banking should be. Simple, easy, ING Direct.

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ING Savings Explained:
Not only is it the best money market account in the country, we'd say it's the best customer service in the country also. No complicated voice systems or having to be placed on hold, you'll speak to a ING Representative within minutes who actually cares about helping you save money and is always there to answer any question you may have.

High interest, no fees, no service charges, no kidding. With an Orange Savings Account, you earn a variable 3.00% Annual Percentage Yield (effective as of on savings every day, with a level of flexibility, freedom, and security you simply won't find at other banks. And because your account is FDIC insured, your account is always secure. No required minimum balances...ever. There is no minimum balance required to open your Orange Savings Account, and you don't have to keep a specific balance in your account to qualify for a high interest rate. No matter how much you have on deposit, the rate is still 3.00% APY.

No fees. No service charges. No penalties. No hidden costs. ING Direct's Orange Savings Account won't burden you with fees or service charges. Period. So you earn high interest on every penny you deposit. 24-hour access to your funds, and you don't even have to change banks.

An Orange Savings Account makes your money available to you whenever you need it. When you open your account, it is automatically linked to your current checking account used for your initial deposit. You can make deposits or withdraw funds by transferring money online, through our Interactive Phone Service, or by speaking with an ING Direct Sales Associate.

Pay Yourself First! The Automatic Savings Plan allows you to automatically have a fixed amount of money regularly transferred to your high interest Orange Savings from your linked checking account. You will be saving your money effortlessly and will have money for a rainy day or to achieve your dreams. You can either call us or set up your Automatic Savings Plan on this website. You specify how much money you would like transferred, and how often you would like it moved. This is the simple, easy way to really grow your Orange Savings Account. Start making more money on your savings right now. You don't have to switch your bank; simply activate your Orange Savings Account today and start earning interest that will actually amount to something.

While your APY may change at any time based on market conditions, you are assured high interest with an ING Direct Orange Savings Account day after day. To apply online or download an application, simply click on the "Open an Account" button on this web site and follow the easy instructions.

Deposits at ING Direct are FDIC Insured ING Direct's FDIC certificate number is 35489. ING Direct is registered with the FDIC under the name ING Bank, fsb.

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Save even more with ING® using these tips:
1. ING can help you save - Automatically
An automatic savings plan can help you build a nest egg. Make the most of your high yield Orange Savings Account™ - put away a specific amount each month and watch it grow! You specify how much money you would like transferred from your linked checking account and how often you want it deposited. It's simple to do - and it's free. Plus, you'll feel good knowing you've got cash stashed away in a safe place, earning a great rate. Set up your Automatic Savings Plan when you apply above.

2. Consider using Direct Deposit for all or part of your paycheck
Once you're an ING account holder signing up is easy - all you'll need is your ING Orange Savings Account number and the ING routing number.