Paying 1.3% APY with no monthly fee and no minimum balance required to open an account, this was the logical choice for me when I was looking to start saving. I am just out of college and my first job doesn't pay a ton but when I do have some extra money I like to make sure that I save some of it. There isn't an app yet which can be a bit of a pain but it's not the end of the world. There is an ATM card, which many online banks don't have, which makes it a lot easier to access cash if I need it.

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