[TN_POKER_MAN]

I too have been with ING for quite some time and I've got no complaints.

You'll need to "link" your existing bank account to your ING account so that you can make transfers between the accounts. This isn't a big deal, but it can take a few days to complete...unlike a traditional bank account where all you have to do is write a check or visit a branch.

ING rates are great, but you'll want to keep some money in a regular bank account for immediate access.

Netbank is another account that you might want to check out. They pay nice rates and do give immediate access with no wait.