Emigrant Direct III
So I've tried to be patient with Emigrant Direct. I signed up for the account online and did the standard sample deposits and confirmation. I waited two weeks to receive my account info in the mail. I log in and my account is not linked to the checking account that did the confirmations. After 10 highly annoying minutes on hold I finally get someone to link the account to my checking. So I go to make a deposit the next day after it finally shows up. I click to make the transaction and all I get is a confirmation number, not the confirmation amount or direction. Two days later when I go to check my balance it is lower than before. Thinking I've made a mistake and accidently withdrew instead of deposited I make another deposit. At this point there were no "pending transfers" that showed up so I could not verify the previous transaction like I can in ING or Virtual Bank.
Finally the next day the original deposit goes through for the correct amount. But who ever heard of a bank account balance being LOWERED prior to a deposit when no withdrawals have been made EVER.
It is a good thing Emigrant Direct has the highest rates otherwise their craptacular site might drive every customer away.
Emigrant Direct 3.25%
ING Direct 2.80%
Virtual Bank 2.80%
Emigrant Direct has been so annoying I'm still keeping most of my money in ING. I'll keep my $5 in Emigrant Direct and see if in 6 months they've improved their site.