Personal Finance

I would look into Credit Union options if I were you. They're not-for-profit, unlike banks, so the terms tend to be better and favor the members of the credit union (everyone with an account is a member)

I've been using SoFi for like 10 years after fleeing Bank of America and havent been happier

I've used Ally in the past and it was perfectly fine. But now I keep accounts at American Express online bank. It's mostly out of inertia, since it was convenient to have my credit cards and savings on the same dashboard, and the rates also fairly closely track Ally's. It has been 7 years since I've changed savings accounts, so I'm less about chasing rates and more concerned about having a consistent financial process.

whatever you go with, pay attention to the rates, they're coming down just about everywhere

I use SoFi for my checking account and am very satisfied with their services. It’s the closest I’ve gotten to reaching parity with the now-acquired-and-sunsetted Simple banking app.

SoFi lobbied hard against student loan forgiveness. Wrote them off as an option once I learned that.

I've been pretty happy with SoFi. I like that they support multi factor authentication with TOTPs. I haven't had to deal with their customer service yet.

Their Android app is god awful though if that matters to you. Also they send me a ton of spam but Gmail takes care of it so for me that's a minor issue.