ING is an online only bank so there is no branch access but who needs it with online, 24 hour phone banking, BPAY and free ATMs?
With the Everyday Orange account you can use any ATM in Australia or overseas for free (if you deposit $1000 your ING account during the month, and also make 5 purchases using your ING debit or credit card in the month) so you don't have to worry about trekking across town looking for an ATM.
If you meet the above conditions, you can also spend on your card while overseas without paying an international transaction fee - making this a great pick for savvy travellers.
There's also no minimum opening deposit and no monthly account fees to pay, so this account should not cost you anything. But keep in mind you won't earn any money either. Like most transaction accounts the Orange Everyday does not pay any interest.
The Orange Everyday bank account comes with a VISA debit card (with PayWave), giving you the shopping freedom of a credit card without the credit maintenance worries.
You also have the option to switch on the everyday round up feature, where the card purchases you make are rounded up to either $1 or $5, which are then deposited into an ING Savings Maximiser, Mortgage Simplifier or Orange Advantage accounts.
Who it's good for:
Any Australian who is sick of being charged high ATM fees at home and abroad and is after a zero cost bank account.
You won't get any interest on your money in the ING Everyday Orange so keep your savings in high interest account and transfer cash over only when you need it and you will have the best of both worlds.