ccrzhh said:scottfern said:Is this account better than the emigrant and the ING account?
Yes (rate, ATM card, checks) and no (ACH, bonus)

ccrzhh contact me please at AIM: driggers13 or MSN: driggers13@hotmail.com

I just opened an account, relatively painless. took two days.

How do I link my ING Direct Account to UFB Direct? I would like to transfer my funds over, but I'm not sure how. Thanks for the help.

U4iA said:I just opened an account, relatively painless. took two days.

How do I link my ING Direct Account to UFB Direct? I would like to transfer my funds over, but I'm not sure how. Thanks for the help.

You have to open a free checking account at UFB, send ING a check from the checking account for $1 to establish external transfer account. You will have to move money between your HYMM and free checking.

xoneinax said:There is no check card
http://www.ufbdirect.com/ufbdirect/savings.asp
- All accounts come with an ATM card.

U4iA said:the account comes with an ATM card, not a check card. so you can withdraw funds from the ATM but you cannot use the card at a store.
You can use at a store if it accepts Debit (ATM) cards - virtually all supermarkets, drug stores, WalMart, etc. Check (Debit) cards are too non-secure. For me it's a plus if a bank issues ATM, not only check cards and I always choose ATM cards if possible. It's your money, not credit card company - why take a risk?

Back to the issue about ING Direct. I called UFB Direct and they said that you cannot write checks on the HYMM account. This is the account I opened with the 3.30% APY rate. If this is the case, I cannot link ING Direct to UFB Direct with a check.

Any other suggestions to transfer funds from ING to UFB?
See my post before yours. Really, it's similar to ING -> Emigrant transfer schema, which were discussed in ED thread - ED doesn't have checks, how to transfer from ING to ED? It should apply here too.

U4iA said:i bankmailed them and they said they will send a cashiers check to ING free of cost to link the account. i still have to look in to it a little more.
The remaining question is if it would be enough for ING - usually cashier checks don't have your account and who will write "Link to (ING account)" phrase?

Heads up- now 3.30%!

http://www.ufbdirect.com/ufbdirect/rates.asp

I don't want to be a party pooper here, but I went to their site last nite to look into it, and perhaps sign up and not only did I get an error when attempting to sign up (the service they use to doing online banking 'couldn't find their application') but when I click to see their PDIC certificate, the FDIC doesn't have it...has anyone checked these guys out?

how long does it normally take moving the money from the MMA to the checking account.
I know now if I go online and move $100 from my savings to checking, I have access to it immediately even though it is pending.

I know you get reimbursed upto $4.50 a month for surcharges, but that is on average about 3 times a month, are there ATM's that are free?

driggers said:are there ATM's that are free ?Washington Mutual