<prompt> Human: Is it easy to transfer funds into your other accounts? Are the high APY rates too good to be true? Are they more unreliable than brick and mortar banks? Does anyone have any experience with online savings accounts?  <response>: Yes. No, they are exactly what is disclosed in the account information. No, they are the same as brick mortar banks, your funds are FDIC-insured and they are bound by the same regulations. Sure, lots of people use banks like Ally, CapOne360, etc. You can find plenty of comprehensive reviews online from sites like NerdWallet. 