ING Direct is good and fast.
I use ING direct a lot. I have orange checking account as well few saving accounts. Their ATM is thru Allpoints network which is everywhere that real time saver. Their interest is not it used to be but some what competitive compared to other banks and credit unions.
I also have my business savings account with them as well. I recently opened sharebuilder account since ING took over and it helps a lot to transfer money easily from checking account to share builder account to buy monthly stocks.
It is like a one stop shop but I still have my credit union account which is the link to ING direct for any check deposits. I use their bill pay but they don't deduct until the pay date arrives to issue check. THeir electronic bill pay or check payment system is fast and easy as well. You don't need check book to pay your friends and it can be picked up anybody from any bank account.
Overall, I am happy with ING.
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