ING Direct Savings Account and CD's Review

ING has great advertisers and makes online banking accessible to the masses not willing to do the research.  The interface is great, the rates are okay.  However, I've heard one too many people claim the rates can't be beat and that's just wrong.  There are a lot of banks (online mainly) that offer better rates and similar no minimums.  Just because ING advertising better doesn't mean you're getting the most for your money.