Questions for those who've used internet-only bank accounts

I'm talking about those accounts where you do all transactions online, and you do not have any relationship at all with a physical branch (not an everyday bank account where you can go to a branch and speak to a human being but also have the option to do transactions online).

I'm thinking of moving my savings account to an internet-only one because I can get a better interest rate. I need to be able to bank via the internet, and I use the internet often with the account I have now, but I'm concerned about service and about the implications of not being able to speak to a person in a branch or on the phone (Abbey's website, for example, says that you can't manage their internet-only account over the phone) if I have an issue.

For those who have internet-only accounts, what happens if you have a problem (the bank makes a mistake or any other problem)? How do you deal with it?   Do you do everything via email? How long does it take to get problems resolved (if the bank makes a mistake or any other problem)?  What if you have an administrative change - for example, if you change your name or address, or you want to add someone else to the account?

If I have to waste hours rectifying problems, the increase in interest rate may not be worth it (my time=money). 

So I would like to hear about others' experiences.

I had ING Direct accounts in the US.  But they have telephone customer service.  I never had a problem with the accounts and never needed to use the service line.  And I have no idea what ING Direct is like in the UK.  I'm glad I can't offer you any more info because that means nothing went wrong with my account - sorry.

I use Smile and DH uses Cahoot and we love them. I once had 2 fraudulant charges to mine and resolved it all via email very quickly (within a couple of weeks the money was back in my account) and they offered to temporarily extend my overdraft while they sorted out the problem. No complaints at all - they've been great and I haven't once missed having a bricks and mortar bank to go to.

I have had ING both in the US and the UK.  They both have phone lines and I have used them but not for any major problems.  They've been fine to deal with so far.

HSBC Offshore is good. If you have a question or concern about your account, you just log on and send an e-mail. They reply within a day and, if more clarification is needed, someone will call you. They do have phone contacts if you need them also. I use them because I get paid in dollars, and they offer accounts in dollars or sterling. You also don't pay tax on interest until you remit it to the UK, if you are a resident but not domiciled in the UK. So I have an online saver account and a currency account in dollars for the offshore account, and then I have a local HSBC account where I can transfer money and convert it to sterling as needed. So far, their service has been good.

how do you deposit cash into an internet only account?

cahoot & smile.  are there any other internet only accounts in the UK?

anyone use egg?