This is interesting... I was on the ING website looking all over to see if the 3% was a limited time offer, and there were no details anywhere. But I left it on the main page and if you wait long enough, the animation changes the coffee cups to a 3% rate that says "until October 1st 2009"... leads me to think this is a limited time promotion to get everyone's TFSA there and then it will jump down.
I think this is going to be one of the big weaknesses of the TFSA system. Since you can't move it throughout the year without paying a fee, the only time it will be cost effective to move is near the year end when you can withdraw on December 31st and redeposit on January 1st. I have a feeling this will lead to a lot of good rates then followed by a lot of rate drops once the funds are tied up for another year.