ING seems to be fine, although a 1.2% is not. Especially with the way the markets have been lately. Though 1.2% is still more than what the MoneyMarket funds are yielding lately. That said, I realize cash is a must sometimes, and ING has worked well for me. Transfers are pretty easy from my main bank to them and back, although the waiting time for transfers to clear at ING is a little long.
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