I've had saving accounts with ING for about 5 years and a checking account for about 6 months. I'm a bit nervous about this Capitol One thing and am scouting around for another bank in case things go south with ING.
But ... I have to say that to date I'm extremely happy with them. I've never had any problems at all. Their website is great, extremely easy to use. Their interest rate is better than average. I've just been very, very happy.
Shopping around at other online banks and credit unions over the last month or so has made me realize how good ING is. I seriously hope Capitol One doesn't foul it up.
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.