<prompt> Human: I currently have an Ally Savings Account shared with my wife and a Wells Fargo checking account. I have had the WF account since I was 18 but I dont like the bank much and have only kept it because it has the closest ATM. I am moving both job and location soon and would like to replace that with something that will put my money to work for me so Ive been looking into interest-yielding checking accounts.Looking online the best options seem to be FNBO Direct Checking with .65 APY or Bank5 Connect with .76 APY. However, I am a bit perplexed by how high that yield is. My Ally account yields 1.15 and I cant understand how a checking account would offer such rates. Does anyone have experience with either of these checking accounts? Are the yields relatively stable or do they fluctuate pretty widely?Assuming the yields are as advertised, Im currently leaning toward FNBO Direct since they have no ATM fees but the Bank5 APY is so high it might be worth it to eat a dollar every time I need to withdraw cash. I will be in an area with access to neither FNBO nor Bank5 ATMs . Any reviews or other recommendations would be appreciated.So you are aware, I try to keep exactly 1 months budget in my checking account currently 3,335 but will soon increase to around 4,500 and the rest is shuttled off to the savings account.Assistant: Assuming you keep 4500 throughout the entire year, the difference in yearly interest between those checking accounts is about 5. I personally would just open an Ally checking account to make it simpler with your Ally savings account. Yes the interest rate is only .1 but remember youre only keeping 4500 in this account. Ally also gives you a debit card for no ATM fees at any Allpoint network ATMs. Human: I thought similarly but then Im choosing a convenient account that doesnt even give access to all ATMs. Seems wasteful if its not the highest APY?  <response>: Ill recommend Schwabs investor checking: 0.15 interest Unlimited ATM fee rebates worldwide Excellent low-cost brokerage 