<prompt> Human: I have 0 debt and just got 70k tax free check. I have been researching for a week of what type of saving account to put it in and cant decide what my best option is. I want risk free, FDIC insured, high APY and a promotional bonus for new customer would be nice. Is a Money Market Savings the best? Capitol one or Chase? Any input you have would be helpful.  <response>: Ally, 1.45. 