Ally Online Savings
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4.20% APY, no minimum, no monthly fees. Buckets feature for goal-based saving. Best UX in HYSA space.
🎯 Best UX
Use Buckets to separate emergency fund and named-goal savings within one account.
Ally Online Savings is the UX winner. 4.20% APY, no fees, but the killer feature is buckets — set up named goals (vacation, emergency fund) within one account, no manual transfers. Best for people who treat savings as goal-based.
Pros
- Buckets feature for goal saving
- Best mobile app in HYSA category
Cons
- 20-basis-point lower than Marcus
Should You Open An Account With Ally Bank? | NerdWallet
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