<prompt> Human: Ive decided that I want to close my long standing account with Wells Fargo and move my checking and savings accounts to another bank. Based on some quick research Im leaning towards Capital One. From what I can tell, they provide good rate options - Free 360 Checking .2 APY and 360 Savings .75 APY. My only issue is that they have pretty terrible reviews. See link: Would I be better off with my second pick - Charles Schwab Checking 1APY and Ally Savings 1APY. Sorry if my post seems rushed. Any help or guidance is appreciated.  <response>: Find a local credit union.Stop paying big banks to do nothing for you. 