<prompt> Human: I have been thinking of opening an online savings account such as Ally where I can deposit a small amount of my paycheck bi-weekly. I have a checkingsavings with BofA, but because it is so easy to access my savings transfer it to my checking, I have a hard time leaving it alone. I figure maybe I could get an online savings and just get checks no debit card or anything so I cant spend it so quicklywithout thinking about it. I want to save for emergencies and just life in general. The issue is I dont make much money at all and my monthly expenses are about half my already low wage. Im looking for a full-time, higher paying job but for now, trying to save a little and get myself on a budget. But I dont want to get myself in a situation where Im paying fees or anything like that due to a low balance, etc. Would Ally be a good choice for someone in my position? I also recently discovered SmartyPig and was wondering if that might be something I should look into?  <response>: I use Barclays online savings account They have no minimum, no monthly fees, and 0.9 APY, but its a savings account so the typical no more than 6 transfers or withdrawals per month applies. Its worked pretty seamlessly for me except I still cant get the check deposit from my phone feature to work. Also, in my experience customer service has been generally excellent. 