— compare Ally's variable APY of about 1.7% to 2.2% to traditional banks' .01% to .1% — and why the bank branch down the street can't match that rate.Americans are still banking with brick-and-mortar banks in large numbers, but apparently it's not because they don't trust online banks or need to talk to someone in person. Largely, it's because they're happy with the bank they already have.
When asked why they haven't yet opened an online-only bank account, 73% of Americans across all generations said that it was because they were happy with their current bank. Less than a quarter of millennial and Gen X respondents said they hadn't switched because they prefer to talk to someone in person, or because they don't trust online-only banks. Baby boomers feel slightly differently, with 35.7% preferring to talk to someone in person and 22.
Of people with bank accounts which have a mobile app or website, 75% said that they'd rate their online banking or app experience as very good or excellent. Just 5% rated their experience as poor or fair.
Correction, Bitcoin is here to stay
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