<prompt> Human: I have about 10,000 in savings that I would like to move into an Ally account they are offering 1 APY and I am currently getting 0.60 with PNC. When I started researching them I found so many horrible reviews. One thing I think I noticed was a lot of the bad reviews were from people trying to do a lot of transactions with their account and had bad money habits, over drafting frequently. I am thinking that Ally might be no problem for those with good discipline with their money but tougher on people who make a lot of foolish mistakes. What do you think?  <response>: Internet reviews are sort of breeding ground for scams in the first place. There are typically a small number of reviews to begin with, for firms that may have millions of clients, and most of the people who post reviews are people who are unhappy, unless they are prompted to post positive reviews by a marketing outreach. 