Great Bank!

I've been an ING Direct Saver since 2003, and have never had a problem with this bank.  I was initially attracted by the fee-free savings account, and the fact that they offered a higher interest rate than most brick-and-mortar banks.  Granted, the interest rate has fallen drastically in the last few years, but that's happened across the board with all banks.  Gone are the days of rates over 6%!  The wait period between when funds are deposited and when they become available can be a bit of a hassle - but I tend to use my savings account for longterm savings/as an emergency fund, so I am not withdrawing from it on a regular basis.  Overall, it's a good bank with easy online access from anywhere, with slightly higher rates than most small-town/local banks.