text: is it safe and is it a good idea to start a savings account with ing. anyone have an account there already?   i like putnam money market b/c they have free checkwriting (free checks!) plus yield over 5.00%.  no minimums.  you can set up transfers to and from other accts for free.   downsides:  varible rate, just like ing and the rest of them.  not fdic insured (although you will not lose money), pay about 50 bp to fees