We have always relied on Credit Unions for our banking, which is a holdover from my father who was a utility employee. Our local branch does not have the best rate for their savings account and I decided to look at some other options. I was thrilled to find out about Alliant, which is another credit union, and their quite healthy 1.25% APY and the minimum balance to open of $5. Even better, they offer ATM cards which is always handy in an emergency. The website is very robust and digital banking has never been more pleasant of an experience.