<prompt> Human: Currently with chase. Wife of 6 months and I are 2624. Debt free with a full EF. And starting a rigorous savings regime with IRAs and also a house down payment. She and I are on the same page with for the most part with finding a new banking option but we both have a couple things keeping us reluctant. Chase savings interests are abysmal. Thats the main reason we want to switch, saving for a house is daunting enough already, could use the help of better interest rates. Our reluctance lies in no ATMs and no BM branches. We use checks every once in a blue moon. Rarely use cash, so on the surface it seems like a non issue. But I guess its the whole comfort with change. We are thinking of doing a feeler period, where we open an account with ally and gradually change over from Chase to see how we like it. I really want to know a few things. Im currently leaning towards Ally in particular:How does the Atm work? Is the same as a CU network? Do I still get a debit card for my checking accounts?How reliable is the 247 phone line? Do I actually get to talk to a live person without any ridiculous recording series? How are the Loanmortgaging services?How is the mobile app for ally? Is it comparable or better to the full web page? Thanks so much in advance!  <response>: If your only reason for wanting to switch is the higher interest rate on your down payment savings, then just open an Ally Savings account and keep your Chase accounts. Theres no issue with having accounts at multiple banks as long as youre able to keep track of them and avoid paying unnecessary fees. Both Chase and Ally will allow you set up transfers tofrom an external bank, so moving money will be simple. 