<prompt> Human: I was thinking of going with Ally but their reviews seem to be a little crappy. Discover also has good rates and they seem to have better reviews. Anyone have experience with either? EDIT: I just saw some really bad stuff about discover so looks like I wont be going with themAssistant: I use Ally. What kind of reviews did you see? You cant deposit cash, but for an online only bank, theyre on top of their game. Human: Ive read their customer service sucks  <response>: I would rate their service in the 90th percentile of all consumer companies, banks included. Its really refreshing to call and have a hold time of at most a few minutes, followed by someone who speaks fluent american English. 