&#60;megarant&#62;Their model sucks. First I have to now remember (can be read as write down) a separate account number, a bunch of digits. Second I have to now create a PIN and I can't even use a keyboard to type it in.<p>Account creation at ING is also awful. I created my account, but did not yet "activate" it. Keep in mind that it did not tell me in any obvious way that I needed to take extra steps to activate the account. Once I tried to log in it started asking me questions like "What is your father's father's name?" and my answer was: you cannot possibly know that yet since I haven't told you. Eventually I figured that out.<p>Next comes the verification of my checking account. This was fun because I have a joint checking account and a joint ING account. Guess what: it made me AND my wife verify the same exact transactions. Seriously? It's just bad UX all around. Now that I've got it set up I am fine with using it, just the initial process was awful.&#60;/megarant&#62;