Question: Is it safe and is it a good idea to start a savings account with ING. Anyone have an account there already? 

Answer: I like Putnam Money Market b/c they have free checkwriting (free checks!) plus yield over 5.00%.  No minimums.  You can set up transfers to and from other accts for free. \n\nDownsides:  Varible rate, just like ING and the rest of them.  Not FDIC insured (although you will not lose money), pay about 50 bp to fees
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