<prompt> Human: Looking if someone has experience with some online only banks that have good interest rates. I heard of one called ally I think that was supposedly pretty good. Just looking for an account I can shovel money into from my main bank for saving purposes.. also would like one that doesnt charge to transfer back or has a minimal fee if necessary main bank is Navy Federal Credit Union, top Apr I can realistically get is .45  <response>: get ally. 1.05 APR and a good savings vehicle. 