If you have multiple online accounts, one good trick is to electronically link the two accounts together to facilitate the transfer of funds between them. All you need to do this is each bank’s ABA routing number and your account number to set up the link.
Some banks, like ING Direct, will require that you provide a paper check in order to create the link whereas others, like FNBO Direct and HSBC Direct, don’t require a paper check. So, if you want to link ING Direct to FNBO or HSBC, simply create the link on the FNBO/HSBC side and initiate transfers that way.
Here are the ABA routing numbers for the major online banks:
- FNBO Direct: 104000016
- HSBC Direct: 022000020
- ING Direct: 031176110
- Emigrant Direct: 226070319
- Virtual Bank: 067092200
- E*Trade Bank: 256072691
- WaMu: 322271627
By establishing the links, you give yourself the opportunity to transfer funds easily between accounts as you need them.