<prompt> Human: So Ive got my choice between USAA and Ally Bank right now. At the moment I have USAA checking and saving, but my girlfriend recently opened an account with Ally. We have a joint account with Ally for rentpower and such, and the more I think of the interest rates on checking and savings with Ally, the more appealing it is. I do have auto insurance through USAA, and if Im getting a discount for banking with them, I could just leave an account open with the minimum balance to keep getting the discount.So at this point Im wondering why I should stay with USAA instead of moving over to Ally. Does anyone with experience with the two have any thoughtsadvice?  <response>: Just a heads up, Ally is moving to a tiered rate system in November. Id wait until the rates are announced. 