<prompt> Human: I have a personal credit union with Golden 1 for which I have just kept all my savings in my savings account. The APY is .15, but I feel like it is nice and safe there, so i have always kept the money threre. A family member suggested moving my funds to Ally Online Banking which has 1.15 APY there is also another savings bank he is using with the name G something.What do people think of using this online savings account? Are there any drawbacks or things I ought to be aware of? Im saving for a house.  <response>: Been using Ally for a bit over 3 years now and I havent had any issues with it. Aside from the no physical branches part, my experience with their customer service has always been quick, efficient and professional plus it really is 247. No ragrets. 