You may not be able to access your money for a long time after you deposit in your Ing Direct Bank account.
On 11-10-08, I requested Ing Direct Bank to electronically transfer a decent amount of money from my checking account at Wachovia Bank to my Savings account at Ing Direct Bank.
According to Ing Direct Managers, I will not be able to access my money until 11-20-2208.
In this day a age, you would assume that electronic transfers would not take more than one day and you would be able to access your money immediately.
If I knew about this huge delay in accessing my own money, I would have never made this transfer!