Ally Bank’s savings account offers a 3.60% APY (annual percentage yield), and its checking account earns 0.10% APY for balances under $15,000 and 0.25% APY for balances of $15,000 or more.

The draft has a serial number, watermarks, ... With a bank draft, the funds are withdrawn from your bank account and then the check is made out from the bank, which guarantees it.