So long as you don't use a brick and mortar bank, most banks have interest providing checking accounts, although rates vary wildly.

Savings accounts in particular are egregiously terrible at brick and mortar banks. I made more in interest payments in my first month at Ally than I did in the ten years I had my child hood savings account at Bank of America.

Ally is a special case and you’ll find most other virtual banks don’t match their rates. They’re fighting for customers.

TMobile Money was fighting Ally pretty hard when rates were rising and had me switching money back and forth for a little while. Goldman Sachs traditionally fought with Ally. Doctor of Credit has large lists of smaller banks with favorable rates. It's just the traditional large brick and mortar banks rip off customers who just assume having money in a savings account is a good thing to do.

I wasn’t aware T-mobile had a bank. You’re absolutely right about savings accounts, it took me a while to explain to my wife how you lose money using the traditional ones.