I bank with USAA and recently signed up for ING's Electric Orange 4.00% checking account.
I'm switching back and my initial deposit hasn't even cleared.
I found the interface to be cluttered, garish and unintuitive, and the pay bills option is not e-billing. I got the impression they would be mailing paper checks, requiring 3-5 day lead times. USAA partners with CheckFree and payments clear on the day they're made to any business which uses the service (and everyone but my utility company and my landlord publish an e-bill).
Initially, the 4% rate was a big draw, but in the end USAA is doing everything I need, and I get $15 worth of ATM fees reimbursed every month so I don't need to worry about which ATMs I use.
Depending on your tier, you can get 5.23% APY on USAA savings
right now, and it's cake to transfer between checking and savings, so yeah, USAA is the way to go, IMO.