conversation: User (Devinologist): "I'm thinking about switching to Ally because my current bank is further away than I'd like, it's not compatible with financial apps like Mint, and I like the idea of using any ATM. Ally has no maintenance costs, let's me control everything from the app, has 24/7 access to customer service if needed be, and it's simple. I don't need to worry about loans anytime soon because I bought my current car out of pocket and I plan to live with relatives through college. \n\nHowever, I'm interested in building my credit, and I'm not aware of any opportunities Ally offers for me to do that. Also, I make most of my transactions through my card. I read somewhere that they will charge you if you have too many transactions, but I really don't know how much "too many" is and if I should be worried about that. \n\nWhat do you think, /r/personalfinance?"
  Self: "Ally offers both checking and saving accounts. There's no fee on making too many transactions on the checking account as far as I know. \n\nThey also have a credit card if that's what you are asking. "
  