ING Direct ($25 account opening bonus) is running a new promotiong called the “Winter Save Up Sale.” In short, the deal is that all new deposits from an external source between today and April 15th will earn an APY of 4.75%. But before you decided to transfer your money out and back in, keep in mind that this deal applies only to the net of all deposits and withdrawals made during the promo period. In other words, in order to determine you eligible funds, they subtract all withdrawals from the total of new deposits. Also, after April 15th all funds in your account will revert to the non-promotional APY (currently 3.80%). This is an interesting move, in that they’re effectively rewarding those that have taken their business elsewhere, rather than bumping their regular rate to reward (and retain) current customers. But hey, if your ING account is linked to another savings account where you’re hoarding your money, it’s easy enough to slide your money back for the promo period.