I use ING right now to store liquid emergency money. They have been perfect in my opinion -- I got a bonus for opening my account, the website is straightforward and has all the info I need, they're FDIC insured, and they pay one of the highest rates in the nation. ED has had higher rates for the past many months, but early on were slower to open accounts, had a web site some people thought looked untrustworthy, and just generally were less than rock solid. I understand ED has improved their performance in these areas lately.
Credit card-wise I think I went to http://www.creditcardguide.com
the other day and liked it for suggesting good options. I was looking for a 0% offer for as long as possible and was given some good suggestions.
ING has no minimum to open or maintain. I believe this is also true of ED but I'm not sure.
If you want a referral to ING you and I can both get a bonus ($25 for you and $10 for me, I think?). PM me if you want to. Mods, if this offer is inappropriate just delete this paragraph. Thanks.