and saving for property taxes and insurance. I decided the best place for my multiple accounts was Ally, the online bank known for its high-yield savings. Here's why.with locations around the US are popular for the ability to walk into a bank and speak with someone in person, but that doesn't mean they are the best places to keep your money. Traditional banks are notorious for high fees, low interest rates, and poor customer service.or activity requirements to avoid fees.
as a minimum savings cushion, and I keep a big chunk of mine at Ally. With FDIC insurance, a good interest rate, and no fees, my cash can sit there with no worries, just in case I ever need to cover an unexpected home or auto repair or to make up for an unexpected loss of income.with my mortgage, so I have to pay property taxes and insurance on my own. That adds up to about $13,000 per year for my California home.
A screenshot of my recurring transfer from checking to Ally Savings every week for property taxes and homeowner's insurance.I move $250 every Friday from my checking to my Ally savings account to cover these costs. This adds up to the roughly $13,000 I need for the three big payments — two for property taxes and one for insurance. I can just grab the cash from savings instead of worrying about getting enough together in my checking account to pay $4,000 to $5,000 all at once.
Over the course of a year, that was the difference in about $240 in interest versus less than $15. That's enough for a plane ticket, a budget weekend getaway, a few very nice meals, or just more savings in case you ever need them. There's nothing wrong with keeping a little more cash on hand than you think you need.
Is this a real article or is Ally Bank giving you money?
Anyone remember the 4-5% rates with ING Direct?
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