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ING Direct Becoming Capital One 360

As a long time owner of an ING Direct, the acquisition by Capital One and now the rebranding is not enough evidence for me to move my money out of the bank. I'm not happy about the decreased competitiveness of interest rates, but I've mitigated that by opening accounts elsewhere. And for me, the purpose of savings is to have cash available in an emergency. Most of my financial assets are invested in stock or bond index funds, and that's where I concern myself more with return on investment. I'm not concerned as much about savings rates because the purpose of savings is not growth, it's protection.

Still, just about any high-yield savings account is better than the typical savings account you might find at your local bank branch.

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