ING is part of AllPoint's network. You can get instant withdrawals. There are 32,000 surcharge-free ATMs located in all 50 states, including major retailers like Target, Rite Aid, 7-11, and many others.

For deposits, I use direct deposit via my employer which works great. I get my money the same day everyone else does. For depositing checks, I use my credit union (2nd bank). Since I only get a few checks/year, this is not an issue for me.

I use ING direct for checking, savings, bill pay, and personal money transfers.

It is, in fact, a competitor.

I use e*trade's "Max-rate checking" product and it's amazing:

- Until recently they had a great interest rate on your checking account (2.5% APY).

- I also get direct deposits, and mail in checks (is more convenient than going to the bank for me, and I don't need the money right away).

- They offer ATM fee refunds at ALL ATMs. That's just awesome. Not only do they not charge you a fee, they'll instantly refund the fee the ATM charges you (comes in very handy in Vegas ;)

It's no-fee with great customer support. I've been very happy with them.

Whoa, well look at that. I've not checked on them since their very early days

They most certainly do have ATM access - more so than any other institution I've banked with. It's completely free at every CVS and Walgreens.