CICI is a virtual bank with a similar set up to ING Direct, but which has several advantages over the latter:
-A better interest rate on your savings (4.5%);
-Friendlier and more helpful customer service;
-Better ethics (eg. no poaching of clients).
My financial adviser confirmed that ICICI offers the best interest rate for a savings account (ING offers 3.5% to 3.75% only!).
I find it easier to transfer money between my ICICI and regular bank accounts than I did when I was with ING. The online interface for ICICI just seems friendlier.
If anyone is interested, I'll send them a referral. If my referrals sign up, we each get 20 bucks.
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