<prompt> Human: My big bank not only doesnt pay me interest, it charges me in various ways to have access to my cash. Bizarre! So, Im looking to move my emergency funds to a bank that pays interest. Some sites have led me to believe I can get 1.3, but reading reviews of these banks like UFBdirect and Ally and others, Im nervous to sign up as it sounds like service is awful and the process is not smooth.Anyone have a good experience finding a higher interest rate? Any suggestions on the balance between security, convenience, customer services and interest rates?Thank you.  <response>: Satisfied customers dont go out of their way to post reviews everywhere. 