I've been with ING Direct for about 10 years. I first joined because of a promotion that they were running (I think they were giving away $50 for opening an account).
I initially thought that having an account where I couldn't walk into a local branch would never work. However after a while ING became my primary account and everything worked out just fine.
In the 10 years that I've been with them, I've only needed to call once to ask a question (which was answered to my satisfaction if I remember correctly).
Bills were paid in a timely manner. Paychecks were available when they were supposed to be and I had no complaints.
I still have no complaints, however I worry about Capital One taking over. I was a Capital One customer for a short time a very long time ago. I remember not missing having a relationship with the company. So when I found that Capital One had taken over ING Direct I started researching other online banks to switch to. I also thought about the best way to transfer my bills over to that new bank (whoever it may be) with as little disruption as possible.
As it stands for now things have pretty much remained the same as they did pre-Capital One days. Actually, they've introduced a few new things such as remote check deposits (which I've used a couple of times).
So I guess as long as Capital One minds its manners I will remain with them. If not, I have already have experience telling them to take a hike.
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.