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Who you choose for your checking and savings account is important because changing it after you\u2019ve set up your account can be a pain and a huge waste of time.<\/p>\n
I call this my home base<\/strong>. It\u2019s the bank account that gets everything.<\/p>\n All of our income is deposited into this account. All of our expenses are paid from this account.<\/p>\n Here\u2019s what I need in for the ideal home base:<\/p>\n Here are the four banks mentioned in the video, along with current rates (headline rate is savings):<\/p>\n Ally Bank has been my primary bank for over ten years. It has competitive interest rates, though rarely leads the pack, and all the features in want in a home hub bank account.<\/p>\n You can read my full review of Ally Bank here.<\/a><\/p>\n \ud83d\udc49 Learn more about Ally Bank<\/strong><\/a><\/p>\n I\u2019ve also had a Capital One 360 checking and savings account for years (it started as an ING Direct account) and it\u2019s been a solid performer with interest rates that are sometimes slightly ahead of Ally Bank. I actually use it as a bank account firewall<\/a> with Paypal.<\/p>\n Capital One 360 checks every box on no fees and free overdraft protection, and it has physical branches and caf\u00e9s if you ever want to talk to a human. Unfortunately, there\u2019s no ATM reimbursement, though the huge network mostly makes up for it.<\/p>\n You can read my full review of Capital One 360 here.<\/a><\/p>\n\n
Table of Contents<\/summary>\n
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Ally Bank \u2013 3.10% APY<\/h2>\n
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Capital One 360 \u2013 3.00% APY<\/h2>\n
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