I like ING Direct. No fees, high interest rates on savings + checking, and a nice web interface. (And if I recall correctly, some regular HN contributers worked on that web interface.)
For the still-eating-ramen contingent here, ING Direct has the most customer-friendly policy on overdrafts that I've ever heard of: they charge you actual interest on money the bank fronts you to cover overdrafts, rather than charging you a fine. This means that if you have occasional lapses in your cash management and a bowl of ramen pushes you $5 into debt, you owe the bank ~9% interest on $5 for the three days it took you to cover, or less than a penny, rather than the more traditional "Enjoy your $35 overdraft fee."
Don't abuse this -- overdraft is not a credit line -- but it is nice to have.
It is nice to have that safety net just in case. I overdrafted when it took a little longer for money to transfer from my BoA account to my ING Direct and the next day when the transfer did come in I paid less than a cent on interest.
I'm also a huge fan of ING Direct (have been with them since 2002) and would gladly send out invites to anyone that wants them (disclosure: you get $25 and I get $10 if you use my invite to open your account).
Oh, and I forgot to mention that part of the reason I'm such a huge fan of ING Direct is because they have Sharebuilder, which I think is the best platform I've ever experienced for managing my Roth IRA (and stocks in general).
Sharebuilder is indeed nice. I had to close my account because my employer has to pre-approve all market trades, and Sharebuilder does not integrate with their system for that. (The joys of working for an investment bank...)
I used to have a bank account with NetBank, which was excellent in terms of both price and service.
Then one day, I received an email from ING Direct telling me that they had bought out Netbank and summarily closed my account, just because I live outside of the US. It took me months to get my money back and it cost me quite a bit to deal with the antiquated paper check they sent me. Even after hours on the telephone with them explaining my situation, that my access had been cut off without warning, that waiting for international mail would cause hardship, and that dealing with a check is difficult in this country, they flat out refused to give me my own money via electronic transfer or any method that would have been soon enough for me to make all of my monthly expenses.
It's good to hear that ING is nice in most cases, but I'd be very hesitant to ever give them my business willingly after what they put me through.
