Unless something has changed with regards to ING's checking account, they deduct the amount of the check from your account as soon as you write it, and not when it clears. That's the only thing I didn't like, and I subsequently opened an account with another institution as a result. I still have my ING accounts, and get a direct deposit into my Electric Orange account. The overdraft protection is a nice, affordable feature, but I pay as many of my bills as possible with a rewards credit card.
Their savings account yield is actually somewhat competitive at the moment.
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