Another comment regarding Ally Payback Time money:
I sense opportunity staring in the face of Ally participants who also are PurePoint customers. Be advised Monday, January twenty-first, is Dr. Martin Luther King Jr. Day in America, a Federal holiday. PurePoint is closed on Federal holidays. So is Ally Bank.
If you schedule an ACH funds movement, Ally to PurePoint, at the PurePoint website on Friday, January eighteenth, you will earn double interest on your PayBack Time money for four days. If you are planning to remove the money from Ally anyway via PurePoint, that Friday might be the best day to schedule the transfer.