Side Note About Direct Debit

You have to be careful when tranfering money from your bank account to some savings account via direct debit, as you would with ING for example.
If you try to use direct debit to move money out of your bank account, but dont have enough money in your account, you get charged a fee. This is in contrast to if you try to buy something with say a debit card and you dont have enough money, whereupon you will simply be informed you dont have enough money for the transaction.
If you try to take $500 from your bank account into your ING savings account but you only have $499, the transaction will fail and youll be charged a fee by the bank. Whats worse is, ING (or whatever) doesnt know how much is actually in your bank account, so it cant give you any warning. This is very annoying since a small mistake can incur a fee which cancels out all the interest youve got from the savings account in the first place, making the whole thing a huge waste of time.
The only way to be safe is check your available balance before using direct debit to move money.
Also, make sure you check your available balance, not your total balance, because thats what counts.