<prompt> Human: Im trying to figure out where I should put my savings. I currently use USAA, which goes up to 0.30 if I put enough money in there to get that rate. Thats better than the 0.01 that the Big Four offer, but not as good as Allys 0.99.But what do you think of Ally Bank? The reviews seem pretty negative, or mixed at best, and theres the issue that they had to be bailed out and failed multiple stress tests. I just need some extra opinions from other financially-aware minds. :  <response>: They are FDIC insured. Unless you are going to store more than 250k then the government has your back. 