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I know I am not the expert, I used to have ING. But I would recommend if you have a citibank near you to use them. They have an e-savings account that is 5% interest which is better then ING. Also the nice thing about citibank is you can take the money out asap through their ATM's. While ING you have to transfer the money back to a 'linked account' at your local branch. Or with their new checking account (they just opened) write yourself a check and then cash it back out. With Citibank you can have a linked checking account and can just transfer money back and forth online and it instantly moves.
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