<prompt> Human: I was looking into starting an Ally savings account. Currently the money is sitting in a CD, maturing in a month. My CDs interest rate is about .59 so, 1.2 interest with Ally sounds terrific! I was looking to put the money into a down payment on a home in a few years, so a IRA is not an option. Basically, I was wondering if there are any catches to using Ally for a high yield savings account.Cheers!Edit: I am aware they dont have any physical branches, this is just for a savings account for the future, not my main account!  <response>: You cant deposit cash, there are no branches where you can go in.I have an Ally account, its great. 