I've been with ING Direct for 2 plus years, but am leaving now because of how they handle canceling checks.
First, they remove the funds for any online check immediately. If there is any problem with the check and it can't be cashed, you need to pay $25 to get the money back and then it takes several days. If you can retreive the check, it can be mailed back to them and after a couple of weeks they will return the money, but that's awfully long to get YOUR money back. The $25 fee is fairly hidden, so only after cancelling the check which will not be deposited do you find out that it will cost you $25. If the check isn't deposited after 90 days, they will return the money, but that's only because they are legally required to do so.
The whole thing feels very dirty, a little like being robbed. Not what I want from my bank!
I have been with ING for 3 years and last year i moved all my banking to them. It's amazing that I don't pay any fees and I love using pay wave as you actually get some money back from ING for using it. Last week I was traveling in Cambodia and an ATM malfunctioned and didn't dispense over $400. I called up the customer service line, the woman was reassuring and very professional and they didn't transfer my call once. I got the money back 2 days after the phone call. Very impressed. Also they only charge $2.50 for international withdrawals, not a percentage like other banks!
ING Direct was a dream. Until Capitol one took over, there internal policies leave no margin for error. They really do suck. They closed one of my accounts because I went over my limit of withdrawals for the month. Which is 6 for a savings account. No warning just closed the account and created a direct debit nightmare for me. Then they closed my checking out, I couldn't use my overdraft line of credit so they kept bouncing back payments. Needless to say I have zero out all my accounts 6 to be exact. Closed out the mutual fund I had open with them. Nowing they had sharebuilder too, I cashed it out and put it in my existing merril lynch account.
The Morons lost $260,000 in investments for there wonderful policies.