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Electric Orange is America's first all–electronic, paperless checking account. Earn a great rate, with online Free Bill Pay, easy access to cash, an Electric Orange MasterCard® Debit Card and more – it provides the access and convenience of checking with the earning power of savings.

View a short demo to learn about Electric Orange™.

ING DIRECT ABA/Bank Routing Number: 031176110

Are There Any Fees?

What charges will I incur if I have Electric Orange?
What charges are there?
What charges will I incur if I have Electric Orange?  
Like you'd expect from ING DIRECT, there are no charges for having your account. There are five charges you could potentially incur.

What charges are there?
  • Overdraft Line of Credit. You pay interest if your balance drops below zero and you use your Overdraft Line of Credit. Unlike traditional banks, there's no fee to use your overdraft, or sign up for the feature. If you use it, you will only pay interest on the amount you borrow.
  • Overnight Delivery of a Check. If you use our Send Paper Checks service to send payments via overnight courier, in those instances when you need to send money for next day delivery, the cost is $15. (1st class mail Send Paper Checks delivery is free.)
  • Overnight Delivery of a Replacement Card. If you request to have a replacement Electric Orange Card sent to you via overnight courier, there is a $25 charge. There is no charge for standard delivery of a replacement Card.
  • Stop Payment. If we succeed in processing your request to place a stop payment on a check that was sent using the Send Paper Checks feature or the Free Bill Pay feature, there is a $25 Stop Payment charge. (For more info on this, please see the Stop Payments section.)
  • Foreign Transaction. If you use your Card for a foreign transaction (any transaction made in a foreign currency or that MasterCard® classifies as a cross-border transaction), a charge of 2% of the foreign transaction amount will be applied (if it’s in a foreign currency, this will be based on the amount after it’s converted to U.S. Dollars by MasterCard®). This is in addition to what MasterCard® may charge as part of converting the purchase to U.S. Dollars.
There are no other charges.

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