conversation: User (generville): "Everyone is talking about switching to these guys and seems like these banks are pretty ideal.  What are some things you hate about USAA and Schwabb?  Why do you regret switching?  I want to hear your worst experiences."
  Self: "USAA savings rate is low.  Something like 0.25%? (I haven't looked in a while.)  Better than brick and mortar banks, but lower than ING and others."
  Floriderp (Floriderp): "Yup, thats the only gripe I have with USAA.  I use USAA for everything, but still keep my ING account just for savings."
  coopdude (coopdude): "I'm considering opening an ING account for my savings. They hard inquiry you, right? Which credit bureau(s)? Can I open just a savings account and have no minimums/fees?"
  lukeydukey (lukeydukey): "i closed mine after they said they were bought by cap one. so i dunno. as for inquiries. i don't remember them ever doing a credit inquiry when i opened mine."
  