f you have money sitting in your checking or savings account then you are someone like me who is not gaining much in return for the banks holding your money. With the economy in such a downturn and the interest rates dipping ever so slowly you really won't be able to make any money from interest. Unless of course you open an Ally Bank Certificate of Deposit (CD).This hub will give you interest rate provided by various banks that compete with Ally Bank and just maybe give you an option rather than just staying with your brick & mortar banks out there.