Where to bank in a post-ING world?

I'm a big fan of Ally. I've been with them for few years now, and they've been pretty great; easy to deal with, always available by chat or phone, ATM refunds, decent rates (as much as anyone these days, anyway)... and I haven't been charged a fee for anything, ever. I'm aware of the GM history but so far, so good. The only thing is that they don't (yet) have an Android app with mobile check depositing, but that's slated for http://community.ally.com/straight-talk/2012/11/coming-soon-an-updated-version-of-ally-mobile-banking/. I had an ING account too but dropped it in favor of Ally, and the Capital One thing makes me think that was a good call.

I bank with USAA and regularly evangelize about them to strangers. They have great services, minimal fees, very robust online banking capabilities and top-notch customer service. Happy customer here. Of the features you're looking for, I know they offer most of them. I don't know about the Android app. You can send money to other people fairly easily through transfers or having USAA write a check for you; don't know if there are any options for transferring via email.

I hope this isn't a hijack, but I'm curious to know what exactly is the problem with Capital One? What's so bad about them? I haven't had any problems... yet. I just want to be prepared so that when/if things start going downhill, I have a decent bail-out plan in place. I've never dealt with Capital One, so I can't comment directly, but I've heard quite a few complaints about their customer service in personal finance forums/blogs.

I received this MeFi Mail earlier and am reposting it here with the sender's permission: I can't really respond to your AskMe as I know little about Ally & USAA (other than deciding not to go with them) but I thought I'd poke my nose in this a bit. As an INGD customer first and a CapOne employee second, everything I've heard behind the scenes says they're trying really hard not to screw this up. So much so the INGD folks are still steering the ship and there are no plans to change how things work. If anything there's talk about how to change aspects of the other businesses to be a bit like INGD. So frankly my recommendation, given they're so vocal about keeping INGD the same, is to call them on things that piss you off publicly via Facebook & Twitter. And the name thing was inevitable as ING would not let them keep it. The result is a whole lot better than some of the other options I've heard were in consideration. So if none of the other options work out, I hope you don't stress about it too much. This is of course my personal and completely unofficial opinion.

Ally is amazing: good interest rates (even on checking!), they refund ATM fees for any ATM that you use, you can always reach a person on the phone very quickly. I've got no idea what kind of bad experience RedOrGreen has had with them, but in my experience (I've been with them for a long time), they've done everything right.

Side note: I am aware of http://ask.metafilter.com/188978/Looking-for-a-good-alternative-to-ING-Direct, but wanted to ask again due to my list of required features.

Ally is the new name for GM Financial - the bank that also happens to make cars. Stay away, I think. I've heard good things about USAA, but ING hasn't yet done anything to actively piss me off, so I'm staying with them ... for now. My other bank is my credit union, but they offer only 0.1% interest and their web interface is really painful. Otherwise, I'd really just stay with them and keep my money in town. Very interested to see if others have good recommendations.

RedOrGreen: They haven't pissed me off yet either, but at the same time I don't want to wait around until they do. It's a shame though; I loved ING.

I'm also a satisfied USAA customer, and I can verify that they do have a good Android app with photographic check deposit.