I had a savings account with ING Direct. I used the account to pay for my wedding in 2006. After the wedding I turned off the automatic deposit to the account. There was about $18 left in the account. In April 2009 ING sent me an email saying that I needed to log into my account or it would be closed to due to inactivity. The email went to my spam folder. The next contact from them was a letter telling me they closed my account and helped themselves to the remaining balance, saying they had to recoup the fees they incurred trying to contact me. I've sent emails, letters and called and the refuse to refund my money. This is way for ING to generate revenue, it's a ripoff. ONE letter does not cost them $18, what if I had $50 in the account? Don't use ING Direct.