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Bank of America has both branches and the option to do your banking online while ING is an online only bank. ING is ideal for consumers who are looking to earn a higher rate of return and feel comfortable managing their money without utilizing a teller or face to face contact. Customers who prefer to do their banking in person or have frequent transactions that require the assistance of the teller would find that a Bank of America's branch based business model would benefit them.

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Q: How does the overall benefits of ING Bank differ from Bank of America?
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