ING -- If Only Your Rates Were Better!

ING has by far the coolest and most enjoyable online presence and interface of any bank I know.  Attracted by those hypnotic bouncing orange balls and a $50 account-opening bonus, I opened an Electric Orange Checking account a few months ago.  The account opening went smoothly and the bonus arrived as promised after I made the required debit card transactions.  By then I was hooked on the wonderous online interface, which includes easy ACH transfers.  But I'm not sure I will end up being able to make all that much use of the bank.  When it comes down to it, the rates are just not good enough to offer much motivation, and there's nothing else, like out of network ATM rebates, to draw me in.  I fear ING is going to turn out to be another one of those supercool things that I want to love, but just can't justify in economic terms.  For now, though, I'm content to hang onto my account and keep my eye on the bouncing orange ball in case any good deals come along.