Extremely. That’s the conclusion I’ve come to after using them only for a few months now. I’ve written some stuff about them before, but now I feel compelled to dedicate a post to the most awesome online bank in the world!

I know I’ve mentioned it before, but ING’s setup is so easy, secure, and just plain user-friendly that it’s a breeze to do just about anything. I’d be amazed to see an online bank that has a better looking, easier to use site. I don’t think there is one.

How bout those interest rates? You won’t find anything even close at your local brick and mortar bank. I haven’t done much checking against online banks, but I know they are extremely competitive. Even if they aren’t quite the highest, their other features should more than make up for it.

It’s so easy to open sub-accounts on ING. Once you have your main savings account set up, it literally takes less than 1 minute to add a sub-account. I totally dig this feature. I now have 6, yes 6, different savings accounts on ING. I have different ones for various reasons: long term savings, a car fund, my emergency fund, one for vacations, one for taxes, etc. It even lets you name them whatever you want, so it takes about 2 seconds to see how much you have in each different one.

One last thing I love about ING: their referral program! They give you the opportunity to make up to $500 just by referring friends/family (50 people x $10) who open an account with at least $250. Better still, the people you refer get a $25 bonus for using the referral, so there’s incentive there too.

It’s pretty simple: ING rocks. Anybody else using them? If you’re not already, you should consider using them. I’d be happy to refer you.