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 1.6% compounded monthly
Total interest $173.00
Total at end of investment $1,173.00 <-----

DO THIS NOW!!!!
Safe:  FDIC
Who wouldn't choose $173.00 over $1.00?
(updated 13 Feb. 2020)