I think the fee is only if you initiate the transfer through Wachovia. If you do a transfer to your ING account, ING initiates the transfer. I've had my Wachovia checking for 3 years now and my ING for longer than that. I've probably done 100+ transfers to my ING. I've never been charged. I have a regular free checking account, I don't think there is anything special about it.

When ING withdraws money it shows up as "AUTOMATED DEBIT ING DIRECT WITHDRAWAL" not a transfer.