Combo banking alternatives ?

For privacy reasons, I won't divulge my own current banking practices,
but I'm looking at two alternatives for combining Internet- and
branch-banking to cover all the necessary services.  IMO, I need a
local branch account to deposit paper checks, have a local no-fee ATM
and link to PayPal.  But their accounts pay insufficient interest on
demand deposits (about 0.50% for savings, money market or
very-short-term CDs).  So I want to combine it with either:

1.  A Netbank account (or accounts) that pay 1.30% for checking and
1.95% for Money Market at this time.

2.  An ING Direct savings account that currently pays 2.0%.

Can anyone discuss their experiences using either of these companies
in combination with a local branch account.  I'm looking for
experiences about good or bad customer service, missed paymets, links
that don't work, etc., not just "where to get the highest rate"
advice.  BTW, I know about Presidential's 2.75%, if you have
experiences with them, I wouldn't mind hearing about that, either.