So it is almost tax time and nobody has any money to invest

So, soon it will be tax time and everyone will be searching through the cushions on their sofas looking for a way to maximize their tax sheltered retirement investments (if they still have jobs that is).
So here is my question, why should I pay the ridiculous fees that large bank based brokerages are charging these days when I can go to these guys. And guess what? If you open an account and refer a friend, they'll give you $50. I have not yet read all the fine print, but the big print seemed awfully appealing:

100 Free Trades
Fund in $2,000 or more Receive 100 commission-free trades.
$100 Transfer Rebate
Fund in $25,000 or more Receive 100 commission-free trades and up to $100 Account Transfer Rebate.
$100 Cash Back
Fund in $50,000 or more
This is one of the things I liked about ING Direct when they set up shop here a few years ago.

Has anyone heard of First Trade I'd like to know.

Thanks