<prompt> Human: Ive been with ING Direct CapitalOne360 since January 2, 2009. I still have the welcome email. Capital One has done nothing wrong to me, but their ethics are on par with those of the four mega banks. Ive been considering switching for several months. Todays Capital One thread was a gentle reminder for me to proceed with this idea.Im looking for another online bank thats similar enough to CapitalOne360. No fees, instant transfer from savings to savings or savings to checking, Allpoint ATM access, and two factor authentication on login are just a few features I will not sacrifice.Im looking for suggestions. Im leaning towards Ally Bank at the moment. Thanks!!!  <response>: What bad ethics are they doing? 