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Re:Survey: 69% of Americans Have Less Than $1,000 in Savings by throwaway287391 on Saturday October 15, 2016 @10:33PM (#12716567)
Okay, fair enough.

Just for the record though, Ally is FDIC insured/regulated (and I'd guess that's true of most online banks that people actually use). I know you didn't explicitly say otherwise, but I wanted to make a note of that for anyone else who might be worried about that specifically.

For someone like you, I'd reiterate my recommendation for Schwab. But if you never pay fees as is (even from ATMs) then I could see how it may not be worth the time to switch.

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