<prompt> Human: Hi! I have 10,000 cash that I dont intend to use for at least six months. Originally, it was meant for a down payment on a used vehicle, but we decided to wait a little longer.We have an emergency fund and little debt. I want to keep this money fairly liquid. We bank with Chase and they offered 200 if we open a savings account with a daily balance of at least 1,000 for 90 days. We are going to do that, but for the rest, wheres the best place to have it draw some interest?I looked into a savings account with Ally, but I dont understand how the 1.05 interest works. Do I have to keep it there for a year to earn the full 1? Has anyone used them and are they trustworthy?Are there other options I havent considered?Thanks for any advice!  <response>: Savings account earning about 1. I looked into a savings account with Ally, but I dont understand how the 1.05 interest works. Do I have to keep it there for a year to earn the full 1? They pay monthly based on average daily balance, so you earn the interest each month. On that balance youd earn about 8.75 per month. 10K x .0105 12 months Has anyone used them and are they trustworthy?Yes, and they are FDIC insured. 