I used NetBank NetValue Checking as my primary checking account for over 5 years. I liked the fact it is free with easy online access and there is some interest. However there were a few things I did not like.
What I didn't like about NetBank Checking
Although I could link to other accounts and transfer money into the account I could not transfer it out. I guess they prefer money coming in to going out but that feels like cutting off your nose to spite your face. It was a number of years before NetBank managed to get it together to enable linking to PayPal. Finally I received SPAM email (cheap meds, penis enlargements, Viagra etc) from the email address I gave to them. This was a unique email address I setup specifically for NetBank and did not give out anywhere else. So I know the source of the leak and I was rather concerned about this problem. I hope no other information of me was leaked.

What I like about ING Direct Checking
ING Direct Electric Orange checking has everything I like about NetBank, it fixes what I didn't like and has some additional bonuses. I can transfer money out as well as into the account (instantly between ING accounts a few days to others). It was able to link to PayPal right away. I have never received SPAM email from the unique email account I setup for ING (I have had a savings account with them for longer than I had the NetBank account). As far as bonus features go the interest rate is high (currently 3.93%). Many other savings accounts don't even offer that.
Another bonus feature is that they belong to a free network of ATM's which happen to be 1 in 12 of all ATM's.

If you want $25 to get you started for singing up for an ING Checking or Savings account send me an email to ingreferral AT thislooksinteresting DOT com . I'll get $10 as well.