ING Direct pays out less than HSBC, and I'm sure a host of other e-savings account that spend less to advertise. That said, I think you're right about them havi

ING Direct pays out less than HSBC, and I'm sure a host of other e-savings account that spend less to advertise. That said, I think you're right about them having a lucrative referral program. When I spoke with Patzer about it last summer, they were one of the big ones he mentioned.