I'm with a credit union and ING. we keep the credit union accounts for overseas holidays and Internet transactions as INGs overseas fees are a lot higher and as long as we keel a minimum balance of $500 in the credit union account we only pay a couple of $for fees.

We had ING savings maximizer from years ago as once upon a time they were the only place that offered high interest easy access to your savings but others have now followed suit I think. it is an Internet only account but $ transferred to another bank takes 24 hours.

We have now though opened up a couple of Everday ING accounts for the reasons you wanted. We pay no fees. As long as you withdraw more than $200 cash at a time (from any ATM) they'll refund you the ATM fee. If you get more than $200 cashout on eftpos they'll pay you 50c. It also means instant transfers between your savings account. This was really handy when we were planning and paying for our wedding as until we needed the cash, it was earning 5% interest or whatever the rate is now.

Downside is, you have to plan your cash out to either get more out or get sone out by eftpos (less than $200 won't cost you anything for eftpos). And they're set up more online so if you do lots of in the bank banking, might not be a goer.

Hope this helps!




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