<prompt> Human: Ive been looking into creating an additional savings account and have noticed that currently ING And ALLY have roughly the same rates at about .80 APY. Any tips on both banks would help shed some light as to which has the best extra to offer e.g. minimal fees, holding periods on transfers, etc. and which would be the best. My main purpose to this is to keep it as an extension of our emergency fund so it still easily accessible with nice rate of return.  <response>: Ive had an account with ING since 2006 and I love it. 