ING Direct is offering 2.8% on their FDIC-insured online savings account.That’s a pretty good rate for a savings account (my local bank is offering a similar rate on 12-month CDs). What’s more, ING Direct offers new customers $25 just for opening the account when referred by an existing customer (the referrer gets $10). There are no account minimums and no fees. You can open the account with $1 and get credited an additional $25. They’ll make you wait some time, I think a month, before you can withdraw their $25. Other than that, no restrictions. There was once a $50 referral offer, I haven’t seen that in a couple of years though. I signed up at $25, pulled my money out, but then a couple years later realized I still had the account (with 17…
