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See I told you, this would help!

Coupon Abbreviations
  • SC = Store Coupon
  • MC = Manufacturer Coupon
  • SS = Smart Source
  • RP = Red Plum
  • PG = Proctor and Gamble
Coupon Terms
  • WYB = When You Buy
  • B1G1 = Buy One Get One Free
  • .75/1 = 75 cents off one item
  • .75/3 = 75 cents off three items
  • EXP = Expiration Date

Going Nuts? I can help you understand coupon terms and abbreviations

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  • Salovescb

    does the account have any fees? and is it all online, or is there an actual bank?

    • Chris

      No fees and no minimums but it is all online – there is no physical bank (which is why they can have no fees and still pay interest on any balance).

  • Amber

    I assume a transfer from my other checking won't count as a direct deposit? Two direct deposits from my paycheck by August 31 will be difficult if HR doesn't process the paperwork quickly enough, since I get paid on the last weekday of every month.

    • Two transfers from your local bank do qualify.  We use it as a savings account and have a deposit set for every pay period from our main account to our ING account.

      • Brandi Johnson

        jenny, I set up my  acct and had to call customer service with a question and asked to double check that transfers from a local bank qualify and they DO NOT. I was informed that only transfers from an employer or the government qualify as direct deposits.  I asked the rep to verify that with a supervisor because it was not stated that way on the advertisement and the supervisor also said it would not work.

  • Jillybcoupons

    Does this apply to existing customers also?

    • Jcwoody31

      If you do not currently have a checking account, it will work for you.  I already have one, so I'm out of luck :(  I do love ING though, I've been with them almost 7 years.

  • Renee

    So you have to use your debit card 3 times AND have direct deposit?  Or just one or the other?  I went to their site and only saw the $50 bonus.

    • to get the extra $76 you need to follow the steps above, it's kind of a hidden deal just for July 4th weekend.

  • Chris

    I have ING accounts and they have been an excellent bank – if you have the chance to switch you should (although I would keep an account at a physical bank if you know you'll have paper checks to deposit – mailing them in to ING is a little bit of a pain).  No fees, no minimums, no overdraft fees, mobile access, free ATMs, etc, etc.

  • ivyhoff

    Does this ckg acct pay interest?  If so, how much.

    • Chris

      Go to the link and it gives the tiers for interest on balances – but yes it pays interest with no minimum balance

  • I was denied, LOL. You have to pass the credit check for their overdraft protection, and I had about 80k in medical bills that I had to file bankruptcy for, (Yes, I have good insurance, and I did then, too) so I figured I would be denied anyway.

    It's fine, though. I like Wachovia :)

    • Guest

      I like Wachovia too. :) I'm dreading the day my checking account will be switched over to Wells Fargo (they bought Wachovia) and no more free checking. :(

      • Michellebg1212

        Our wachovia's were changed over to well fargo like 8 months and had no problems with the switch over.  We still have the free checking….

  • Josh

    So the 2 direct deposits, must EACH be $250 or larger?  So $500 total?

    • Lmwatson04

      According to the 1800 number they said each deposit has to be $250 (thus a total of $500)

  • Awesome thanks! I just opened one.

    We are currently saving for braces and this will keep that $5000 for that safe until September when we have to give it all to the orthodontist. :( The price we pay for nice teeth.

  • Jean

    We have banked with ING for years and have never had any problem, once we got used to not being able to write paper checks.  You can send electronic checks and set up autopay for most bills and we have done that, but sometimes I need to write a quick check on the spot, so we do keep a separate checking acct at a brick and mortar for that purpose.  I highly recommend ING and wish that existing, loyal customers could also benefit from some of these bonuses.

  • ScottK

    That would be fun if it weren't such a pain to work out two direct deposits. Could I just direct deposit from my existing bank account or is it only if you change your work paycheck to direct deposit with them?

    • Lmwatson04

      My husband and I just called their 1800 number to make sure the “details” were correct. She said that the “direct deposit has to be from your employer, not just depositing from your other checking”…. so call them if you want to double check but that is what they told us. Hope this helps.

      • ScottK

        That's a bummer. Thanks for the info! I figured it wouldn't be tooooo easy..haha

  • ivyhoff

    Just checked and it only pays .25% on balances up to $50,000!  Oh yeah, they will pay you 1.15% if you keep over $50,000 in it or 1.15% for balances over $100,000.  Whoopee!  No thanks….think I'll stick to my high-yield checking that pays me 4% on balances from $0 – $25,000.  The monthly requirements to earn the interest vary on theses types of accounts, but typically you need around 10 check card transactions, one ACH deposit OR withdrawl & agree to electronic statements.  No fees or minimums either & the high interest is paid on all balances up to $25,000, sometimes more or less.  I also have another one at a local bank (5 min from my home) that pays 3%, just to have one I can physically go to if I have to.  These high-yield checking accounts are all over the US at various smaller banks and credit unions.  I have a site that will do a nationwide search if anyone is interested (or you can search by state).    
    @08ae027c324934096ffa56bbde08fb28:disqus 

    • Jenney

      what bank do you use to get 4% interest?

    • Greg

      I would like to know the same. I bank at the credit union in NC and my interest rate isnt that high even the CD are not that high. So, I would love to be able to get that kind of interest rate. I would be interested in the website you mentioned!

      • ivyhoff

        I just wrote a bunch about high-yield checking (aka reward checking) in response to Jason, Greg, and Jenney.  It did not post.  Not sure if it was because I included a link or because I didn’t get the security verification right before posting.  Anyway, will try that link again here.  Maybe my previous post will show up tomorrow.
          http://www.depositaccounts.com/checking/reward-checking-accounts.html
        Just click “Filter Accounts” if you wish to change the parameters.  Also, there’s a great article in the paragraph above (click “reward checking article) that explains these types of accounts in detail.

    • Jason

      ok – I'll call your bluff – there is no bank out there that is currently paying 4%.  Prove it.  Name the bank.

      • ivyhoff

        Gladly, the name of the bank is Navy Army Federal Credit Union in Corpus Christi and the product is called Liberty Checking.  I checked today and the 4% rate has recently dropped to 3.5%.  The rates do fluctuate with the market, but there are still some 4% ones out there.  I checked my local bank here in Smyrna, TN which is called FirstBank where I have my other high interest checking account (First Rewards Checking) and it is still at 3%.  When I opened that one a few yrs ago, it was at 5.75% and had been at 6.75% before that.  They’ve all gone down since then.  Check out http://www.depositaccounts.com/checking/reward-checking-accounts.html
         It is a search engine for these types of accounts.  Just click “Filter Accounts” and put in your own parameters.  The investment amount defaults at $5000.00.  That just means in the search results, it will display how much interest you’d earn in a year on an average daily balance of $5000.  But you can change that to the max amount that will earn the interest or whatever you think would be the average you’d keep in there.  “Nationally available” should mean you can open an account there regardless of where in the US you live.  Local often means accounts are restricted to residents of a given area or students, employees, etc.  Some places anyone can have an account but a branch visit is required to open one.  Don’t mean to write a book here.  I don’t claim to be an expert, but have been following these for the last few years and have learned a lot about them, so if you have any questions, feel free.     

        • Linda

          Thanks for this information!! I really appreciate it.

      • ivyhoff

        Gladly, the name of the bank is Navy Army Federal Credit Union in Corpus Christi and the product is called Liberty Checking.  I checked today and the 4% rate has recently dropped to 3.5%.  The rates do fluctuate with the market, but there are still some 4% ones out there.  I checked my local bank here in Smyrna, TN which is called FirstBank where I have my other high interest checking account (First Rewards Checking) and it is still at 3%.  When I opened that one a few yrs ago, it was at 5.75% and had been at 6.75% before that.  They’ve all gone down since then.  Check out http://www.depositaccounts.com/checking/reward-checking-accounts.html
         It is a search engine for these types of accounts.  Just click “Filter Accounts” and put in your own parameters.  The investment amount defaults at $5000.00.  That just means in the search results, it will display how much interest you’d earn in a year on an average daily balance of $5000.  But you can change that to the max amount that will earn the interest or whatever you think would be the average you’d keep in there.  “Nationally available” should mean you can open an account there regardless of where in the US you live.  Local often means accounts are restricted to residents of a given area or students, employees, etc.  Some places anyone can have an account but a branch visit is required to open one.  Don’t mean to write a book here.  I don’t claim to be an expert, but have been following these for the last few years and have learned a lot about them, so if you have any questions, feel free.     

      • ivyhoff

        Gladly, the name of the bank is Navy Army Federal Credit Union in Corpus Christi and the product is called Liberty Checking.  I checked today and the 4% rate has recently dropped to 3.5%.  The rates do fluctuate with the market, but there are still some 4% ones out there.  I checked my local bank here in Smyrna, TN which is called FirstBank where I have my other high interest checking account (First Rewards Checking) and it is still at 3%.  When I opened that one a few yrs ago, it was at 5.75% and had been at 6.75% before that.  They’ve all gone down since then.  Check out http://www.depositaccounts.com/checking/reward-checking-accounts.html
         It is a search engine for these types of accounts.  Just click “Filter Accounts” and put in your own parameters.  The investment amount defaults at $5000.00.  That just means in the search results, it will display how much interest you’d earn in a year on an average daily balance of $5000.  But you can change that to the max amount that will earn the interest or whatever you think would be the average you’d keep in there.  “Nationally available” should mean you can open an account there regardless of where in the US you live.  Local often means accounts are restricted to residents of a given area or students, employees, etc.  Some places anyone can have an account but a branch visit is required to open one.  Don’t mean to write a book here.  I don’t claim to be an expert, but have been following these for the last few years and have learned a lot about them, so if you have any questions, feel free.     

      • How about instead of being a jerk and calling someone a liar, take 5 seconds and do a simple google search. I did and found 4 banks offering 4% on the first 25k.

  • ivyhoff

    By the way, I am not bashing ING.  I myself opened 2 savings accounts there many years ago (before 9/11 when the savings interest was around 3%) and was very satisfied with them.  It's just that ever since I discovered high-yield checking, nothing ING (or most other banks for that matter) has offered has even come close to comparing in my opinion.

    • Jason

      You're lying.  Name the bank that is offering that much of a better interest rate on checking.

      • How about instead of being a jerk and calling someone a liar, take 5 seconds and do a simple google search. I did and found 4 banks offering 4% on the first 25k.

  • Guest

    Not worth the headache as this Bank is going thru a buyout. Capital one bank  has purchased ING direct. Just a word to think about before doing this. Also you must pass a credit check too.

    • Chris

      That's actually great!  I had no idea.  I bank with both and really like Cap One – I have 2 credit cards there.  So now if I have both my credit cards and my bank accounts (not to mention my ShareBuilder account) with one place that would be excellent for convenience.  Don't think Cap One is going anywhere.

  • tndiamondjess

    Although I don't think going through the hassle of trying to get my employer to change my direct deposit is worth $76, I do think getting a $50 credit just for signing up and using the debit card for 3 purchases within 45 days IS worth it. I figure I can put $5-$10 in my account and use the card during one of my drug store couponing trips 3 times. So I'm signed up and we'll see if it works…

    I've also noticed that I've gotten a lot of credit card offers in the mail the past few months with $30 to $50 statement credits when you use your card within so many days… I decided to try one out… used my new card to make a $30 purchase and when I got my first statement there was a credit of $30 on there so I got $30 free… if you have good credit its a cool way to get free money every once in a while… plus you can just close the card after a few months anyway if you don't need/want it :-)… I do realize opening a bunch of cards can hurt your credit score… that's why I picked 1…

  • I looked yesterday and during set up had to have our routing number (which I didn't know). So, I decided to finish enrolling today, yet today the offer is GONE. The $50 offer is available,but not the rest. :-(

    • Chris

      Example of pouncing on something when you can or found it – it can disappear just that fast.

  • Lrhurst45

    Does anyone know of any other banks that do a similar deal?