I discovered ING savings accounts when I was looking for a decent return on my money. Most banks offer very, very small rates on savings accounts. Your money barely grows! I was really getting frustrated with what I could find until a friend turned me onto ING.
ING is online banking, so it's different than your typical bank. They offer the best rates on savings accounts, CDs and other financial services. I'm not a person who pays a whole lot of attention to finances. I'm not interested in trading stocks or reorganizing my portfolio. That's why I was glad that ING was a no-brainer. My money grows and I don't have to do anything except put it in there.
Transactions are very easy. You link your ING account to your checking account and just make the transactions through the ING website. There is no charge to put money in or to take it out. You can have as many savings account as you want, and it all comes up on one page when you log in. That way you can save for something like a trip in a seperate account than your main savings account. There is even an automatic savings option where you can tell ING to take a certain amount out of your checking account and into your savings every week or every two weeks or every month or whenever you want. You end up saving without even knowing it.
Get an ING account and relax. Your money is happy in there.