Don't abuse this -- overdraft is not a credit line -- but it is nice to have.
Fantastic.
Even better. grin
Then one day, I received an email from ING Direct telling me that they had bought out Netbank and summarily closed my account, just because I live outside of the US. It took me months to get my money back and it cost me quite a bit to deal with the antiquated paper check they sent me. Even after hours on the telephone with them explaining my situation, that my access had been cut off without warning, that waiting for international mail would cause hardship, and that dealing with a check is difficult in this country, they flat out refused to give me my own money via electronic transfer or any method that would have been soon enough for me to make all of my monthly expenses.
It's good to hear that ING is nice in most cases, but I'd be very hesitant to ever give them my business willingly after what they put me through.