<prompt> Human: Im thinking about switching to Ally because my current bank is further away than Id like, its not compatible with financial apps like Mint, and I like the idea of using any ATM. Ally has no maintenance costs, lets me control everything from the app, has 247 access to customer service if needed be, and its simple. I dont need to worry about loans anytime soon because I bought my current car out of pocket and I plan to live with relatives through college. However, Im interested in building my credit, and Im not aware of any opportunities Ally offers for me to do that. Also, I make most of my transactions through my card. I read somewhere that they will charge you if you have too many transactions, but I really dont know how much too many is and if I should be worried about that. What do you think, rpersonalfinance?  <response>: You dont build credit with bank accounts, so thats not a reason to choose a bank. 