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I’m in the process of shutting down my INGDirect account.  For the past few months they’ve been stuck at a paltry 4.40% interest rate while others like Wamu, Citibank, HSBC, and Emigrant have remained around 5%.  ING is simply not competitive anymore.  Worse yet is the fact that once you pick a bank like WAMU or HSBC, you’ll usually get ATM access & checking access to your money along with convenient branch access so it’s really a no-brainer.
I won’t be keeping the account open “just in case” they bump their rate up because they’ve had ample time to do so and I don’t like my info floating around in bank cyberspace either so farewell ING….I wish you the best.