<prompt> Human: I dont have any personal beef with Wells Fargo, and I find banking with them to be very convenient easy to transfer money between checking and savingscheck my balance with mobile app. However, considering recent news stories Im starting to wonder if theyre the safest place for me to keep my money.Ive heard that some banks like BBT will offer a discount to college students when they create accounts, so I thought I would make the switch now before I graduate in May.My main problem is that I just dont know who to switch to; Im thinking about BBT right now, or maybe Chase, but I would like some guidance before I make such a huge decision.The main things Im looking for: Mobile-friendly good apps that make moving money around fairly simple, no or low fees based on how much money you make or have I havent yet found a job for after graduation, so Im worried I wouldnt pull in enough money to not get fined, helpful in cases of fraud, and overall unlikely to make my life harder. I do need both a checking and a savings account for the sake of my budget.I have considered putting some of my money in an online bank, but Im a little wary about potential instability in that area.Any tips on what banks to avoid or how to make the transition smoothly will be very helpful. Thank you so much!Assistant: Capital One 360, Ally, or any online-only bank. Not only do they offer savings accounts that have 1.5 APY, your checking earns interest too and you can mail checks from your account and not pay postage. Best experience Ive had so far.Human: Oh wow, thats kind of amazing. How stablesafe are online-only banks, generally?  <response>: Theyre just as safe as any other FDIC-insured bank. Ive been using Ally for about a year now and theyre fantastic. The interest rate is great, their customer service is better than traditional banks because they know they have to attract and keep people who are a little unsure, like yourself, and Ive had zero issues. I was with SunTrust for years and have found Allys website and services to be just as, if not more, functional. 