<prompt> Human: Im an amateur youtuber who just made 100 and was looking for a place to save it. Someone recommended Ally Bank and Ive checked out their website and it seems pretty reliable. I was wondering if anyone here uses Ally and would be kind enough to tell me a bit about their experience with Ally thus far. Any information helps, thank you! do you have a both a checking and savings? do you get a debit card? checks? any hidden fees I should watch out for? is Ally FDIC insured? has anyone closed their account with ally? what was the process?  <response>: Ive got them. It seems like everyone else has covered the major points you asked about, so Ill talk about something else: Identity theft. A few months ago someone somehow got access to my Ally debit card information, and purchased a few things with it. I called Ally as soon as I noticed, and they were very fast and helpful about it. They immediately froze that debit card and mailed me a new one, and they credited my account for all three purchases that were made within a day of me reporting it. They eventually took two of those credits back, because I got the retailers to give me a refund, and let me keep the third, as I did not get refunded for that. What really impressed me is that they were willing to credit first and ask questions later, though. Ive heard some other banks generally wait a few weeks before doing so. I have only good things to say about them. 