Try an American Express savings account. Usually the same rate as Ally, but allows much higher transfer limits. And you don’t have to have an AmEx credit card to open one. It’s my go to “middle man” account between ones that have ridiculously low transfer limits. I don’t know why these limits aren’t set as a percentage of the account balance at least. If it’s for reducing fraud, then how about implementing proper two-factor auth for logins as well as transactions over some threshold. The banking system in the US is such an embarrassment in many ways.
I left Capital One Savings (formerly Ing) because their 2FA required me to own a mobile phone registered in my name. I even sent them serious articles on the relative risk of 2FA using SMS vs email. Completely ridiculous. I had the accounts for about 15 years, and pulled out everything and pushed it to Marcus.
