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I've been using Ally online for a couple of years. It does all my bank needs (which are few). I get a good rate on Savings, better than the Credit Union I left - though it did drop during the past years - but it is rising again the last couple months.
I direct deposit there and pay bills online from there. No problems
The only drawback so far, is when I decided to cash in my coin jugs and the local banks declined unless I had an account. I finally found a small bank that did it.
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What am I even doing here?
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