MOST brick and Mortar Banks
Starting amount.................$1,000.00
Years 10 years.
Additional contributions $0.00 per month
Rate of return 0.01% compounded monthly
Total interest $1.00
Total at end of investment $1,001.00 <-----

Online Bank (ALLY)
Starting amount $1,000.00
Years 10 years.
Additional contributions$0.00 per month
Rate of return 2.2% compounded monthly
Total interest $245.83
Total at end of investment $1,245.83 <-----

DO THIS NOW!!!!
Safe:  FDIC
Who wouldn't choose $245.83 over $1.00?