Best Nationally Available High APY Liquid Accounts
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@craig10x said in Best Nationally Available High APY Liquid Accounts:
@craig10x Thanks goldsheet…I got on Chat at 11 PM last night and got someone around 11:30 PM…she ordered the checks for me…you are correct…they are not automatically ordered…
Which bank is this for?
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@atikovi Primis Bank
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CIBC Bank Savings was 3.77% now 4.01%
Capital One Bank Savings 3.30% now 3.40%
Self Help CU MM was 2.14% now 2.35%
National Cooperative Bank MM was 1.66% now 2.28%
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Bask Bank Savings was 4.15% now 4.25%
Wealthfront Savings was 3.80% now 4.05%
Northern Bank Direct MM was 3.25% now 4.35%
FNBO Direct Savings was 3.00% now 3.45%
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This post is deleted!
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NASB Premium Rate Savings APR is now 4.24%
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CFG Bank MM 4.30% now 4.45%
Western Alliance Bank Savings(via SaveBetter) was 4.23% now 4.35%
Idabel National Bank MM(via SaveBetter) was 3.55% now 4.15%
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Juno Finance
Was: 5% on the first $25,000, then 3% up to $250,000
Now:: 5% on the first $25,000, then 4% up to $250,000.
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Betterment Cash Reserve was 3.75% now 4.00%
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Marcus 3.3% -> 3.5% – useful for the 1% referral bonus and $100/$10K bonus.
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American First CU MM (via SaveBetter) was 4.15% now 4.30%
Personal Capital Cash Account was 3.85% now 4.10%
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Republic Bank Chicago was 4.47%, now 4.53%
All states except IL, IN, MI, and WIVanguard Cash Plus was 3.90%, now 4.10%
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Ivy Bank Indexed Savings was 4.71%, appears to be no longer available (to new customers)
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Ivy Bank Indexed Savings was 4.71%, appears to be no longer available
To new customers I assume, still shows as 4.71 in my account. They must have gotten enough applicants to drop it from the website. Just hope the rate doesn’t drop March 1st.
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Western Bank MM was 4.25% now 4.40%
Quontic Bank Savings was 3.50% now 3.70%
Barclays Bank Savings was 3.40% now 3.60%
American Express Savings was 3.30% now 3.40%
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myebanc MM (balances over 100k) was 4.18% now 4.29%
myebanc MM (balances less than 100k) was 2.99% now 3.10%
Vio Bank Cornerstone MM was 4.17% now 4.20%
USAlliance Financial Savings was 3.50% now 3.75%
First Internet Bank Savings was 3.35% now 3.45%
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NASB was 4.08% now 4.39%
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@platypus said in Best Nationally Available High APY Liquid Accounts:
NASB was 4.08% now 4.39%
Is this available to new customers? I don’t see it on their website; just seeing CD’s.
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Western Alliance Bank WAS 4.35%, NOW 4.45% (Savebetter custodial)
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Popular Direct Savings was 4.26% now 4.40%
The Atlantic Federal Credit Union MM(via SaveBetter) was 4.25% now 4.40%
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RE: Republic Bank Digital Money Market
"Bank does not offer ACH service so funds must be ACH pushed from another bank, wired, or mailed in via check"
I called them and was able to activate external transfers, add and verify external accounts, but have not made a transfer yet.
Tried to make a $10,000 transfer but "Unable to process request. The transfer amount exceeds
the maximum allowed for external transfers. Please reduce the amount to complete the transfer."
I don’t know the limit, but it’s less than I require.UPDATE: The monthly maximum is 10 total external transfers, not to exceed the aggregate monthly total of $10,000.00. The individual transfer limit is $2,500.00 per transaction.
REFERENCE: https://republicebank.com/personal/online-banking-disclosure/#:~:text=The individual transfer limit is %242%2C500.00 per transaction.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
Tried to make a $10,000 transfer but "Unable to process request. The transfer amount exceeds
the maximum allowed for external transfers. Please reduce the amount to complete the transfer."
I don’t know the limit, but it’s less than I require.Many of these banks have a great teaser rate but make accessing your money difficult. $5,000/day $10,000/month ACH transfer limits for one thing. I’m just finding out at Purely Digital bank that they haven’t been processing the trial deposits from the external banks I want to link, so I can’t make any significant withdrawals.
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@atikovi
Usually not a problem, but I’m trying to move money from Salem Five (5k/20k limits) to Republic Bank Chicago (2.5k/10k limits) so push or pull is no good.
One alternative is the pull money from Salem Five using Bask (no limits), then push into Republic. Hate to use/abuse Bask doing that.,
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
One alternative is the pull money from Salem Five using Bask (no limits), then push into Republic. Hate to use/abuse Bask doing that.,
I’ve done that. How is that abuse?
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@atikovi said in Best Nationally Available High APY Liquid Accounts:
@goldsheet said in Best Nationally Available High APY Liquid Accounts:
One alternative is the pull money from Salem Five using Bask (no limits), then push into Republic. Hate to use/abuse Bask doing that.,
I’ve done that. How is that abuse?
I would prefer not to do it.
If I did it a few times it would be acceptable (use),
but rather not move in/out too frequently (abuse)
Just my opinion.
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@goldsheet said in Best Nationally Available High APY Liquid Accounts:
RE: Republic Bank Digital Money Market
"Bank does not offer ACH service so funds must be ACH pushed from another bank, wired, or mailed in via check"
I called them and was able to activate external transfers, add and verify external accounts, but have not made a transfer yet.
Tried to make a $10,000 transfer but "Unable to process request. The transfer amount exceeds
the maximum allowed for external transfers. Please reduce the amount to complete the transfer."
I don’t know the limit, but it’s less than I require.UPDATE: The monthly maximum is 10 total external transfers, not to exceed the aggregate monthly total of $10,000.00. The individual transfer limit is $2,500.00 per transaction.
REFERENCE: https://republicebank.com/personal/online-banking-disclosure/#:~:text=The individual transfer limit is %242%2C500.00 per transaction.Thanks; will update. $2,500 max each transfer up to 10 a month but total amount limited to $10,000 total a month is garbage IMO.
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Thanks; will update. $2,500 max each transfer up to 10 a month but total amount limited to $10,000 total a month is garbage IMO.
Agree, $10k > $0, but still almost useless.
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Marcus by Goldman Sachs Savings was 3.50% now 3.75%
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State Exchange Bank Savings(via SaveBetter) was 4.20% now 4.35%
Discover AAII Savings was 3.35% now 3.45%
Discover Savings was 3.30% now 3.40%
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American Express Savings was 3.40% now 3.50%
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Bread Financial(Comenity Capital Bank) Savings was 4.00% now 4.25%
Prime Alliance Bank Savings was 3.65% now 4.05%
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Primis Bank Checking and Saving Accounts both dropped from 5.03% to 4.35%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
Primis Bank Checking and Saving Accounts both dropped from 5.03% to 4.35%
You were one of the first - and you deserve the best.
Thanks for being one of the first customers to take advantage of our Primis Savings. You’re earning the top-notch annual percentage yield (APY) of 5.03% and we’re glad you’re here.
Soon, you may see on our website that our APY is changing to 4.35%. This will not apply to you. As an early adopter of our digital platform, you will continue to earn 5.03% APY. While our rates are always subject to change, we want to currently hold your rate at the highest level possible.
Congratulations on being a banking trailblazer. Our goal is to continue to impress you and create a long-standing relationship.
Thank you,
Your Primis Team
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@atikovi good news!!!
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@atikovi What about Primis checking accounts? Think they’ll stay at 5.03% too?
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I don’t have one, so don’t know.
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@platypus said in Best Nationally Available High APY Liquid Accounts:
@atikovi What about Primis checking accounts? Think they’ll stay at 5.03% too?
Yes, I opened the checking instead of the savings and got the same email just with checking substituted for savings.
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mph bank MM(via SaveBetter) was 4.15% now 4.25%
Liberty Savings Bank MM(via SaveBetter) was 4.00% now 4.15%
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@jtownsucks46 That’s good. I have both but only got 1 email that referred to “savings”.
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CFG Bank MM was 4.45% now 4.55%
SFGI Direct Savings was 3.51% now 3.81%
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MyBanking Direct High Yield Savings going to 4.38%
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UFB Direct MM was 4.21% now 4.55%(account renamed to Preferred Money Market)
UFB Direct Saings was 4.21% now 4.55%(account renamed to Preferred Savings)
Great Lakes CU MM(via SaveBetter) was 4.20% now 4.40%
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Rising Bank Savings was 3.50% now 3.75%
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@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:
UFB Direct MM was 4.21% now 4.55%(account renamed to Preferred Money Market)
UFB Direct Saings was 4.21% now 4.55%(account renamed to Preferred Savings)
Great Lakes CU MM(via SaveBetter) was 4.20% now 4.40%As I am sure most of you probably know already, but to get the new rate at UFB a phone call is necessary as they changed the name of the savings account.
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Adda Bank saving was 4.25%, now 4.45% (via Savebetter platform)
https://www.savebetter.com/banks/adda-bank
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Valley Direct Savings was 4.00% now 4.20%
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Sallie Mae Bank MM was 3.60% now 3.75%
Sallie Mae Bank Savings was 3.50% now 3.65%
Discover Bank AAII Savings was 3.45% now 3.55%
Discover Bank Savings was 3.40% now 3.50%
Ally Bank MM was 3.40% now 3.50%
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Citizens’s Bank Access Savings was 3.75% now 4.00%
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Republic Bank Digital MM was 4.53% now 4.60%
Vio Bank Cornerstone MM was 4.20% now 4.30%
Lemmata Savings Bank MM(via SaveBetter) was 3.95% now 4.25%
Smarty Pig by Sallie Mae Bank Savings was 3.40% now 3.50%
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Adda Bank Savings(via SaveBetter) was 4.45% now no longer available
CFG Bank MM was 4.55% now 4.45%
Patriot Bank MM(via SaveBetter) was not available now 4.30%
BankPurely Index MM was 3.90% now 4.12%
iGo Banking Index MM was 3.90% now 4.12%
TIAA Basic Savings was 3.60% now 3.70%
First Internet Bank Savings was 3.45% now 3.56%
TIAA MM was 3.45% now 3.55%
Alliant CU Savings was 2.95% now 3.10%
Self Help CU MM was 2.35% now 2.44%
