ING is part of AllPoint's network. You can get instant withdrawals. There are 32,000 surcharge-free ATMs located in all 50 states, including major retailers like Target, Rite Aid, 7-11, and many others.
For deposits, I use direct deposit via my employer which works great. I get my money the same day everyone else does. For depositing checks, I use my credit union (2nd bank). Since I only get a few checks/year, this is not an issue for me.
I use ING direct for checking, savings, bill pay, and personal money transfers.
I use e*trade's "Max-rate checking" product and it's amazing:
- Until recently they had a great interest rate on your checking account (2.5% APY).
- I also get direct deposits, and mail in checks (is more convenient than going to the bank for me, and I don't need the money right away).
- They offer ATM fee refunds at ALL ATMs. That's just awesome. Not only do they not charge you a fee, they'll instantly refund the fee the ATM charges you (comes in very handy in Vegas ;)
It's no-fee with great customer support. I've been very happy with them.
For deposits, I use direct deposit via my employer which works great. I get my money the same day everyone else does. For depositing checks, I use my credit union (2nd bank). Since I only get a few checks/year, this is not an issue for me.
I use ING direct for checking, savings, bill pay, and personal money transfers.
It is, in fact, a competitor.