<prompt> Human: Hi long time lurker here.. Have read a lot of people love Ally Bank over here.I have about 10k cash sitting pretty in my checking account and I have no savings account. I was about to schedule an appointment with BofA to open a savings account and then thought I should probably give Ally a try. Im looking to save up my cash for a max of 3 months until I figure something out for it.Looked up their website and thought of giving their 3month CDs a shot. Any thoughts on whether Ally is the right option?  <response>: Why even consider a CD at all when Ally offers a standard savings account at 1 apr?With that, you dont have to worry about not having access to your money either. 