Not Perfect, But Still A Happy Orange Saver Since 2006; Electric Orange Checking Since 2009

Let me start off by saying, if you're looking for CDs (and at these rates today, why would you bother, parity over online savings accounts is almost nothing), ING Direct is probably not the place for you.

As for savings and checking, my wife and I really couldn't ask for more out of an online bank.  Yes, it took forever to get a mobile check deposit app, but otherwise, we can access our funds very quickly, the web site is top notch, it integrates well with other financial software (Yodlee Moneycenter for one, since they use Yodlee's security mechanism), I don't think we've had more than 2 disputes in 6 1/2 years and both were taken care of promptly, and NO FEES!  Maybe Ally or EverBank is better / slightly higher rates, but when you look at everyday checking concerns, ATM fees, international travel exchanges rates, etc, those small differences aren't enough to make me switch. 

Another thing that was handled well was the CapitalOne buyout.  I was worried for a while, but there's been no changes.  So long as ING Direct continues to offer the same services, and doesn't start up with any hidden fees, I'll remain their customer.