If I can add my experience as a word of caution about ING.

I too was drawn by the higher interest rates on savings accounts and the online start up bonus, as well as the ability to transfer funds from my bricks-and-mortar bank. But, and it's a big but, the website here in Canada was frequently down and I was unable to access my money for sometimes days at a stretch. It was very frustrating to log on to do some banking to find it was down again. Not sure if the USA site is any better, but I closed my account soon after. When I complained about the poor accessability to customer service when I closed down my account, I got no response to my email.