<prompt> Human: I currently have a Chase account and while I have no reason to ditch it Ive seen people mention banks like Ally and others that are purely online and they have similar perks to brick and mortar banks but something about not having that brick and mortar component makes me worry they can up and leave and Ill be out of money. Im a senior in college and hoping to eventually get a career started so I do want to get budgeting down before then and Im not opposed to changing banks, even if theyre online banks. Just need some reassurance I suppose.  <response>: It doesnt bother me. Online banks are FDIC-insured the same as any other bank. Also, the same fraud protections apply to online banks.Some online banks may even have better customer service than megabanks like Chase, BoA, etc 