I believe what ING does is tie it directly to an established checking account. When you deposit or withdraw money, the easiest way is to just transfer it to or from that account. I think you can do it directly through the mail but don't know why you would. After you set up the ING account you have to verify - they have a system - that the established account is real so I guess they assume that your regular bank has 'checked you out' already.

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Better to give your kids the values you have
than the valuables you can't afford.

I have ING too! I love the great interest rate.

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DS-16
DD-13
DD-5
DS-3