Ally is the first bank in over 20 years that has far exceeded my expectations. Their rates are higher. Their customer service is far better than most banks. You can always get a live voice or online chat when you need it. Staff is always friendly. Your problems are resolved. You get reimbursements for ATM fees. Their online services are easy to use. Their overdraft fees are far lower than ANY other bank that I know of. And they have very flexible options for CDs and money markets. The list goes on and on. I would recommend Ally versus any other bank that I have used.
The level of expertise to use online banking is very low. The online banking is very easy to use and manage.