<prompt> Human: I have been using a Citibank savings account for a few years. The APY is 0.01. Discover is offering a savings account with 500 minimum opening balance at 1. I also have a Discover student credit card, not sure if that matters. Can you think of any reason aside from changing banks being a little bit of a hastle why I shouldnt switch? I realize that 1 isnt much but its better than .01!Edit: thanks for the replies everyone! Im going to check out Ally a little bit more and if I dont like it for some reason then Ill go with Discover.  <response>: Youre getting 100 times more with Discover. No brainer. 