<prompt> Human: Hello,I have never had an online savings account but attracted to the high interest rates they pay. Ive always used a brick and mortar bank that I can physically visit. Im a little weary of sticking all my money in an online account.. is this really safe??? Whats the best online savings account out there? Id like to be able to transfer my money directly from my Wells Fargo checking account to the online account.  <response>: I use Ally and USAA and I feel 100 safer there than wellsfuckingfargo 