It’s a solid bank account for people who want more than the basics, and it doesn’t use ChexSystems to screen applications. Why We Like It We like this account because you can earn a 0.50% APY ...

Who's this for? The online-only Ally Bank Spending Account offers higher interest than most big banks. You can score 0.10% APY on balances less than $15,000 and 0.25% APY on $15,000-plus balances.

A joint bank account can be handy when combining or sharing ... on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required ...