I’ve been a member of ShareBuilder for about 4 or 5 years now (since before they were part of ING), and I’ve never had a problem with them. I also haven’t seen too many changes over the years, certainly not in pricing. The one change I do remember was a reduction in the price of buying stocks online in real time from $19.99 to $9.99, so I really couldn’t complain about that! 
I can’t really complain about this one too, but I did receive a message in email and thought I’d share it with you.
Effective mid-June – Margin Rates decreasing
“Effective mid-June, we are reducing our margin base rates by up to 18% per the loan balance schedule detailed below. In addition, we are making slight adjustments to the prices of a few other account services. These changes do not affect the price of any other service.”
Looks like the rates are dropping as follows:
Cash transfers from an ING DIRECT savings or checking account are free.
I couldn’t really complain even if they were raising the margin rates, because I don’t trade stocks on margin! That’s just one of those things that strikes me as a little too dangerous if you don’t know what you’re doing and/or don’t keep up on it. I don’t need any extra risk of financial ruin in my life right now.
I use ShareBuilder for my buy and hold strategy and my taxable investment account (i.e. not 401(k)/IRA). As I said, I’ve been very satisfied and since their part of ING, they offer referral codes to get $25 free when you open up a ShareBuilder account and make a trade. Also, since it’s ING, the user interface is extremely easy to use.
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