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 came home one evening and I found all the pension records of my neighbors in a bundle, not placed in their mailboxes, for anyone to take. I find this very unprofessional. After calling one representative over the phone about this, they very casually blew me off. I found that very disrespectful and I am quite sure what was done was illegal. I was very disappointed.
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!