What is your experance with ING Direct Checking and Savings account?
I have ING Direct savings and also use their Electric Orange Checking. I love it. I have also recomended them to my friends and family and most have since joined. I did a lot of reading on them and also HSBC Online and decided I wanted to be able to use the Orange Checking. The interest rate is good and their customer service is excellent. You do have to keep a “real” checking account open to transfer money that is not direct deposited into the accounts though. That is the only default to me. Being able to deposit checks via an atm would be wonderful but as of right now you can not. Good luck.