If you’re not yet a customer over at ING, there’s lots of reasons to open an account there. The interest rate is a lot higher than you’re likely to find at your local bank (even at a credit union), and it’s simple enough to link it up to your local account for easy access.
Moreover, they often have special codes for free money. Yep, free money! Right now, for example, use code EL542 to get $25 just for opening an Electric Orange checking account. It’s not exactly a sack of money, but it’s $25 more than you have right now.
I have a savings account at ING and have automatic deposit and I try to forget that I even have it. I love that you can separate one account into different funds. I have four, one for each member of our family, and a separate family emergency fund. I don’t have a checking account, though, but I am going right over there to see if I can get the $25 even if I am already a member. Thanks!