<prompt> Human: Hi all. Ive been lurking this subreddit for a while now and Ive noticed that a lot of people have mentioned Ally bank. I currently have a Savings account with Citizens bank and I dont earn much there, less than 1, something like .01 which if you think about is nothing. Ive been looking at Ally bank and Im thinking about switching over to them. I never touch the savings account and it is only there in case of emergencies. I have about 20,000 in there. So my questions are: 1. How reliable is Ally bank? 2. Is it easy to access your money in case you need to? 3. How about checking accounts?I read on their website that they waive up to 10 in ATM Fees. I travel a lot to Europe and I have to take money out at an ATM all the time. Are those fees high?If I could get some answers and some pros and cons from people who have or use them on a daily basis, I would appreciate it a lot.Thank you!  <response>: 1. As reliable as any FDIC insured bank.2. Yes. Its a bank, without local branch.3. Yes. Real checking account like a traditional bank: Physical checks, debit card, bill pay, etc. ATM FeesForeign transaction fee is not zero. ATM fee reimbursement is also only nationwide. If you want zero, use Schwab Bank. 