<prompt> Human: Getting my first check soon. 2200 after tax. I dont currently have any other financial accounts in any banks or credit unions. My family who all banks at brick and mortar big banks and community banks are horrified at my idea of opening a money market account at an online bank. I was thinking Ally. I get unlimited ATM withdrawals which is all I need right now. The idea of an online bank is absolutely confusing them. They are pummeling me constantly of all the little things that can go wrong and how having a direct interaction with a human being at a real bank helps sorts out things faster and smoother. Among the list of things they bring up is money disappearing from some error in the system. After about a week of constant bullying, they are actually kinda getting to me. I need some assurance from others in this world who say Yay? OR banking only with an online bank is a Nay from you guys as well?Thanks for your time folks!P:S If there are any other suggestions other than Ally, feel free to let me know!EDIT: Thank you guys for all the Yays and positive vibes! I also apologize for my dial up age family. They were just going by what they know and trying to be protective. I will show them all these replies which Im sure will help put a stop to their concerns!  <response>: Ive been a USAA customer for several years. With only a handful of brick and mortar locations around the US, they are effectively an online bank to me. Ive had no problems with customer service over the years. Ive heard no major issues with Ally, so youll probably be fine. The most important thing to look for in a bank is FDIC insurance NCUA insurance for credit unions - if the bank goes under, up to 250,000 of your deposits will be covered.One thing to watch out for, and its nothing intrinsic with online accounts: savings accounts are restricted by law to 6 transactions per calendar month. If you go over, your institution may have to convert your savings account to a checking account. For this reason I would suggest not opening a Money Market savings account with Ally, but instead open up a standard Online Savings account with Ally as well as an additional Interest Checking account with Ally. Keep a buffer in your checking account and put the rest in the savings account to earn that 0.99 interest. 