These replies do not always work. However, I have a tactic. I suggest that people sign up for a Bank of America online checking account. I have one and Bank of America pays a $25 per referral and the person opening the account gets $25. Bank of America is great because they let you fund your account by the mail. That way there is never a direct link from Virtual Bank or another online bank to your main checking account. Just link Virtual Bank and ING to your Bank of America Account, which is funded by mail. The only thing that you have to watch out for on the Bank of America account is that there is a $5 fee per month if you don't sign up for direct deposit. I found out that my company will let me deposit a small part of my check into my Bank of America Account.
If you want a Bank of America referral or more information on security issues and responses email me at [email protected] and put "Bank of America" in the subject line. Right now Bank of America is offerring $50 for setting up a savings account as well!