Well, ING Direct tries to make it reasonably easy for our customers to make these sorts of transfers. For instance, once you set up a "linked" account (ie, prove to us that you own an account at another institution) you can transfer money between them at any time with a click on our website. If you have "Electric Orange" (our checking account), then you can also do things like sending a payment electronically (pick it up by email) or having us mail a check.<p>In a way, I think we HAVE said "here's a new interface" and let people "go for it".