<prompt> Human: I have about 5 months of burn stashed away in a Wells Fargo account literally doing nothing. Ive seen some folks on here mention Ally and a quick search found a savings account earning 1.25. Capital One has a 1.3 acct right now with a 10k minimum deposit. I know the days of banks offering you 3 are over, but just wanted to see what other options were out there.  <response>: I use Ally, also look into CDs bit be aware of penalties. Ally has no penalty CDs 