<prompt> Human: Sorry if this has been asked a lot.I have a very high balance checking account with BofA, Im a preferred rewards platinum honors member. I get some nice things from them like waived ATM fees, waived incoming transfer fees, and a safe deposit box.Im considering moving my account over to my local credit union, LAFCU, where Id most likely qualify for their top tier as well.Ive also been told to use an online bank such as Ally; what turns me away from them is the lack of support for sending an international wire which I do occasionally.What are the pros and cons of each option?  <response>: No reason not to have both. Choose a bank you like for your day to day activities and an online bank like Ally for your larger cash savings to take advantage of the higher interest rate. 