<prompt> Human: I just opened two new Ally bank accounts but now I am hearing all sorts of things like their tiered rate system and ATM reimbursement restrictions among other things. Is Ally bank still a great bank? I am kind of disappointed and frustrated because I just transfered everything to Ally and now I might need to find another bank. So any thoughts or recommendations for another online bank?  <response>: I switched to Ally a week prior to all of the changesI was upset at first but then faced the facts. I dont use an ATM very often, if at all. Ive only ever needed to be reimbursed once and it was for one fee of 4.25.The tiered rates, right now, mean nothing. After starting with Ally, I actually got my interested rate RAISED by the entire hundredth of a percent that my last bank gave me for a savings account from .99 to 1.00So honestly, if you dont use ATMs and you were at a bank with a really shitty interest rate on savings, then dont be upset about your switch, you made the right one.Now, obviously this can all change in a year or two maybe less, who knows but until then...youre in a good place as far as I know. 