Just for clarification, FDIC did not seize Netbank, it was shut down by Thrift at which point the FDIC stepped in since it was an insured institution. Having said that, the accounts were purchased by ING at the same time (that transaction was approved and completed today) for $10 million so for most customers, it is working more as a sold entity rather than an FDIC bailout. I would check with ING once things calm down to see if they plan to keep the feature you mention as part of the account after transfer.