Ingdirect Faqs~Do Not Post Referrals Please!

[phorsenuf]

I'm sorry too, I didn't know. Bad bad me!

 

[dolphincrazy]

No harm done girls, just don't want to see these 2 threads get
banned I realize that we want to make lots of money with these referrals but, the only advice I have and must take myself unfortunately, is to just be patient.
Maryann

 

[dolphincrazy]

Originally posted by disneymom3
I am just thrilled with my savings account here! I recently went to my local bank to open a savings account with a big commission check I got. They are paying .01%. Yeah, not one percent--point oh one! Holy moley! I said, "Well, on my *** account I am getting 2% so nevermind!" I just put it into my checking account and will transfer it when it clears.

I have plenty of referrals left--just email or PM me!

We can't solicit referrals, if someone wants a referral they can
email or PM ANYONE on this board.
Thanks, Maryann

 

[disneymom3]

Okey dokey Maryann! I have edited my post. Thanks for clarifying for me.

 

[autumnblue]

Someone mentioned that referrals expire. The other day I went to refer my uncle and then realized I put in the wrong email address so I expired it myself and I got that referral spot back. If a friend or family member doesn't respond withen a few days you might want to expire the referral offer yourself so that you don't lose it.

Autumnblue

 

[dolphincrazy]

Originally posted by autumnblue
Someone mentioned that referrals expire. The other day I went to refer my uncle and then realized I put in the wrong email address so I expired it myself and I got that referral spot back. If a friend or family member doesn't respond withen a few days you might want to expire the referral offer yourself so that you don't lose it.

Autumnblue

If a person does not use a referral for any reason and it expires , that spot is open again for you to refer someone else, you will not lose it indefinately but, you may lose other referrals waiting for a person to decide if they are actually going to use it or not
it would be nice for people to let you know if they've changed their minds or need you to resend due to deleting it, etc.
Maryann

 

[maggiew]

Is there a monthly service charge or any transaction fees or anything hidden??

Also, if I use the turbotax link can you still get the 25 referrals?

Maggie

 

[dolphincrazy]

Originally posted by maggiew
Is there a monthly service charge or any transaction fees or anything hidden??

Also, if I use the turbotax link can you still get the 25 referrals?

Maggie

Maggie,
No, there are no monthly service charges or transaction fees and I believe that you can still get 25 referrals with Turbotax.
Maryann

 

[Naisy68]

I have had an I** account for a little while now. We set it up as a way of having a savings account that was a little hard to get to. We're saving for our summer trip of course. It will be our extra spending money. We have them take some $ out of my cheking account monthly, I don't think you can beat the interest rate. That's a really nice bonus for us. It's kind of fun watching this little money tree grow.
My question is... How long does it take to have the money transferred back to checking so we can take it out? I haven't tried this yet because we want to try to leave it in there as long as we can to build more interest.

 

[dolphincrazy]

Hi Naisy68
it usually takes about 3 business days for a transfer for me
but, if your taking out alot I'd give it a week to make sure it's there when you need it.
Maryann

 

[Naisy68]

Thanks for your reply and answer to my question Maryann.

 

[ksoehrlein]

I signed up a couple of months ago but have not yet referred my DH, 4-year-old DD, and 1-year-old DS. Earlier someone mentioned that you can't refer yourself using a second account in your name because it cross-references the SS#. Does it also cross-reference home address, phone number, or any other info? Will they refuse to give the referral $ for opening accounts for my kids if I list myself as the joint account holder for both of them?

Can I really get $30 for myself and $75 for my immediate family members without cheating? If so, WDW here we come (in a few months)!

Have any of you done something similar -- and if so, how did it work?

I think I just answered my own question. I didn't read all 8 pages (!) of this thread before asking. Sorry for adding "noise" to the thread. But any suggestions about how to go about family member referrals are still welcome. (Can I get a SS# for my dog to get even more referral $?)

I can't believe what a great deal this is. I'm so suspicious of anything that sounds too good to be true, but it seems like this will really work. I'm so excited to get something for nothing -- and it has the added bonus of encouraging all of us to save.

 

[disneymom3]

ksoehrlein--yes it does really work. They do cross reference your SS# but that is okay. You just send your referral emails to your kids and DH even using your same email address. Then the primary account holder has to be a new customer. So, for your kids, they are listed first and then you are listed as the adult on the account, but they still count as a new customer and so does your DH as long as you did not open a joint account including him on your first account.

It does seem like it is too good to be true, but it's not. I signed up in I think January, signed up DH and kids soon after and as of the last week of Feb, I transferred the money out of those accounts and into my checking account. We had an extra $180 for WDW and I barely lifted a finger to get it! That was awesome!!!

 

[rafikimom]

So when it comes to referring your kids and actually signing them up, do you use your own personal checking account to link it to? If not, how do you get money out? I'm trying to figure this all out because my curiousity is peaked. Do you get some type of atm card for withdrwals? Dolphincrazy, are you out there? You seem to be pretty knowledgeable on this.

 

[mad4themouse]

I used my own checking account for the children's savings accounts with no problem at all. Since I'm the primary account holder of the checking account and the custodian of the kids' accounts, it went very smoothly.

The only problem I could foresee would be if the checking account were in someone else's name and you were trying to link it to the child's account with you as the custodian.

 

[disneymom3]

I actually tried to link my kids accounts to a different account--still in my name--and it wouldn't let me. Said that one of the account holders already had an account that was linked to a different checking account and I had to use that one.

Anyone else had that happen?

 

[maggiew]

OK. After all of my skepticism and my many questions I finally took the plunge! I signed up for an ING direct account today. It actually was very easy. I was very surprised. Now I am just waiting for the initial small deposit to my account so that I can verify and I am all set. Thanks everyone for your help. Any extra money for WDW is always a help! I may refer my 2 girls and then use this as a college savings fund for them. Do you think it is safe for this purpose?

Thanks again,
Maggie

 

[AdventurerKat]

rafikimom, you don't get an atm card. You would need to transfer the money back out of the savings account to your regular checking account. I had asked about that too. But honestly, for me, not having easy access to it is better. Less tempting.

Anyone having reservations, I had them too, but it has worked very well.

 

[dolphincrazy]

Originally posted by AdventurerKat
rafikimom, you don't get an atm card. You would need to transfer the money back out of the savings account to your regular checking account. I had asked about that too. But honestly, for me, not having easy access to it is better. Less tempting.

Anyone having reservations, I had them too, but it has worked very well.

I agree about the ATM card, I like not having one and it being harder to get at the money, it's nice knowing there's a nice safety net when you need it and you can't just spend it on a whim
Maryann

 

[autumnblue]

Do you have to have referral to get the $25 or can you do it directly on your own through the site? Someone told me that you can do it directly through the site but I don't see any mention of the $25 when I try to do it directly.

I'm just curious, I already have an account.

Thanks

Autumn