This is were I keep most of my savings. Not the physical bank, but their online bank. If you are looking for higher rates on your money, this is one of the best places to go. Right now, their online rate is 4.00%, there are CD's that don't even offer that much! There are some downsides, mainly is that this is an online account so you can't deposit or withdraw straight from there. You link the account to a physical bank and transfer from one to another and vice versa. The interface is relatively simplistic, but useable. Still, their rates are extremely high compared to other banks. In my opinion, this is good to use for mo ney you want to put away and not have extremely easy access to. Moreover, it gives you a higher return with almost no risk since deposits up to 100,000 are FDIC insured.