Ing Direct 360 Overview and Benefits

Ing Direct 360 is a comprehensive digital banking platform that offers a wide range of benefits to its users.

It provides a single login to manage all your accounts, making it easier to keep track of your finances. This feature is especially useful for those with multiple accounts, as it eliminates the need to log in to each one separately.

With Ing Direct 360, you can view your account balances, transaction history, and statements in one place, giving you a clear picture of your financial situation.

The platform also allows you to set up account alerts, so you can stay on top of your finances and avoid overdrafts.

Account Management is a breeze with Ing Direct 360. You can manage your accounts online, 24/7, with just a few clicks.

To get started, you'll need to register for online banking, which takes just a few minutes to complete. Once you're registered, you can view your account balances, transaction history, and statements online.

You can also set up account alerts to notify you of large transactions, low balances, or other important account activity. This way, you'll always stay on top of your finances.

ING Direct is changing its name to Capital One 360, effective February 2013. The bank's familiar orange ball logo will be replaced with a new red and blue logo.

Capital One acquired ING Direct earlier this year, and the acquisition has sparked concerns among customers. Some customers are worried that the acquisition will lead to changes in the bank's policies and fees.

The new name, Capital One 360, is part of the acquisition agreement, which called for the elimination of the ING brand. Despite the name change, Capital One promises to keep everything customers loved about ING Direct.

Capital One has a reputation for being a credit card company, and some customers are concerned that the company's approach to credit card customers will extend to customers of the former ING Direct. However, the company is retaining ING Direct's customer-service division, which was known for being stellar.

The acquisition was not a hostile takeover, but rather a result of a European-Commission-ordered financial restructuring of ING Group, ING Direct's parent company.

Linking External Accounts is a convenient feature that allows you to link up to three non-Capital-One-360 checking accounts for easy transfers.

You can link external accounts to your Capital One 360 Checking account, but it's worth noting that you can only have three linked accounts at a time. If you need more, you can always delete a linked account and re-add a new one in its place, but be aware that confirming the new linked account will take at least a day.

Using Person2Person payments is a workaround if you need to send money to an external account that's already at the link limit. This method takes 2-3 business days.

If you own other Capital One 360 accounts, such as a 360 Savings account, they're automatically linked to your 360 Checking account and are immediately available for transfers.

Capital One 360 offers a variety of mortgage options, including fixed 15 and 30 year loans, as well as 5/1 and 7/1 ARMs.

Their rates are highly competitive, with a 30 year fixed rate mortgage rate that's about the lowest I've seen.

They also offer home equity lines of credit with attractive rates.

Closing costs are fully disclosed on their website and are 41% below the national average.

The application process is easy and simple to track online.

JD Power rated Capital One 360 one of the best mortgage experiences in the industry.

You can lock your rate for 60 days for free, which is a great perk.

The 360 Checking Interface is a standout feature of the ING Direct 360 experience. It's a clean and simple design that makes it easy to access the features you need.

One of the reasons the interface stands out is because Capital One inherited it from ING Direct and wisely chose not to change it, except for the logos and color scheme. The result is a seamless user experience.

The interface is also highly rated, with one user calling it the "best of any" they've used online. This is a testament to the effectiveness of ING Direct's design choices.

Overall, the 360 Checking Interface is a key part of what makes ING Direct 360 so user-friendly.

Capital One 360 features are a testament to the bank's smart decision to keep things simple. The website is clean and easy to navigate, making it a breeze to find what you need.

The 360 Checking interface is particularly impressive, with a design that's hard to beat. It's a legacy of the bank's heritage from ING Direct, which they wisely chose not to alter.

One of the standout features of Capital One 360 is its straightforward approach to banking. You won't find any clutter or unnecessary complexity, just a focus on getting things done.

The website's simplicity is a major advantage, making it a great choice for those who value ease of use.