Okay, fair enough. Just for the record though, Ally is FDIC insured/regulated (and I'd guess that's true of most online banks that people actually use). I kno

Okay, fair enough. Just for the record though, Ally is FDIC insured/regulated (and I'd guess that's true of most online banks that people actually use). I know you didn't explicitly say otherwise, but I wanted to make a note of that for anyone else who might be worried about that specifically. For someone like you, I'd reiterate my recommendation for Schwab. But if you never pay fees as is (even from ATMs) then I could see how it may not be worth the time to switch.