<prompt> Human: From all that Ive read on here, Ally has generally been the gold standard for savings accounts due to the highest interest rates, ease of use, and friendly customer service.With Goldman Sachs raising there rates, which is the financial institution youre going to use? Im asking as a person who uses TD Bank currently and was looking to move getting like .1 at the moment, or something like that.With Goldman Sachs being higher, Im thinking about them. But on the other hand, doesnt Ally have less overhead and can increase theirs to just as much or even higher? Im stuck.  <response>: I dont know about Goldman, but Allys site is pretty slick for a bank, their transfers are 1 day to external banks others are still 2 usually, and its rather easy to open multiple accounts if you wish. Im sure theyll match the 1.20 rate any time now. 