After a bad experience with a slew of overdraft charges and some irate phone calls with the Bank of America customer service department I finally took the plunge and opened an Electric Orange account with ING. I've had a savings account for a number of years and love the ease of use and the high(er) interest rates. I was always concerned about having an online bank account without the brick and mortar building to go to, but I have to say that 6 months later, I have run into no problems. It was strange not having a checkbook at first, but I like their electronic and paper bill pay features. You just have to remember to pay things a few days earlier! I would highly recommend making the switch.