Ally.com is an online bank that I’ve personally experienced – and am satisfied with. Not mentioning their fabulous customer service, their bank rates are highly competitive and their banking structure is genuine. Formally, GMAC Bank – Ally Banks’ CD Rates, saving accounts, money market accounts and Jumbo CDs are all FDIC insured so our money is safe.  The limit is $250k right now and their reviews are impeccable for their customer service. I’ve been a member for about…