I think Scotia recently bought ING.
But anyway...ING works better if it's tied to a "standard" bank account. As in, you transfer funds to and from your ING account(s) from your chequing or savings account at, say, RBC.
Their interest rates are better than the big five, but they've been pretty low lately because of the rates held by the Bank of Canada.
Their standard account has no fees and no minimums, and you can transfer funds with no fees, set up automatic savings plans, etc. The catch that I have found is that it takes ING the full legal allotment of three to five business days to clear any transfer into or out of your account. If you are a planner who always has that kind of time to move money, then it's not a catch and you're golden.
I've been banking with ING for ...so long I forget now... and I've never had them screw up or encountered an issue.