I started out on ING Direct as well, but I stuck with it through the Capital One transition. Overall I'm still happy with the checking/savings account features, no maintenance fees etc. The mobile app/website is pretty good. However the "desktop" website is annoying as it's just a scaled up version of the mobile one, but it still gets the jobs done. Unfortunately they've removed the ability to easily add multiple savings accounts for budgeting, or at least I can't find a way to do it. Luckily I still have the ones I created back in the ING days.