Best Online Bank
Reviewers say that ING Direct, one of the first online-only banks, is also one of the most trusted and user-friendly. ING offers accountholders good rates (though not always the highest), and it doesn't impose any fees or minimum balances for its accounts. Both its Orange Savings account and its Electric Orange Checking account are recommended by reviewers, and the ING website gets high ratings, too. Clients can access their accounts for free on the Allpoint network of ATMs in grocery stores, delis, drugstores and gas stations. ING Direct offers remote deposit options; you can deposit checks from your home computer or mobile device. You can request that the bank send a check to someone for free -- and ING even pays the postage -- or opt for a standard checkbook (*Est. $5 for 50 checks). Note: ING Direct has been acquired by Capital One, and its name will change to Capital One by early 2013.