Posts made by atikovi

Well I guess I did.

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

CFBank Savings(via raisin) was 4.60% now 4.50%

It shows 5.00% APY on my MMA and no mention of Raisin on their website.

Poppy Bank savings down from 5.50% to 5.00%.

@tedteddy said in Robinhood is offering a new 3% cash back credit card.:

Coastal Community Bank

4 months later it says there is a wait list. Whole thing sounds fishy. 3% is more than many merchants pay in processing fees, so how does Robinhood make any money here?

Anybody know something about Mercedes Demand notes paying 5.50%? https://firstclassdemandnotes.com/start Not FDIC insured and not any higher return than the top rates from insured accounts, but maybe as rates start to fall?

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

Between November 1st, 2023 - December 19th, 2023
Simply deposit new money into your CIBC Agility Savings account to be eligible for the following:
Deposit $25,000 - $49,999: Earn a $250 bonus
Deposit over $50,000: Earn a $500 bonus
Sign-up for eStatements during the Funding Period
Keep the new money in your account until March 18th, 2024
Receive your bonus of up to $500 by May 17th, 2024
https://us.cibc.com/content/dam/us-public-assets/documents/pdf/agility-savings-promo-terms-and-conditions-en.pdf

Just got my CIBC $500 bonus.

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Popular Direct Savings was 5.40% now 5.35%

And now it’s 5.25%

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

Milli (from FNBO) was 5.25%, now 5.50%
https://milli.bank

I’d be very careful about opening an account there. Site seems a bit fishy and many online reviews suggest it’s a scam. No phone number for contact is one red flag. That you have to download an app to a phone to use it and not being able to use a computer is another.

Interest is a lousy 3%, but if my math is correct, with the max bonus it come out to 7.5%? 3% on $50K for four months is $500, plus the $750 bonus = $1250 interest.

It’s on this page now https://us.cibc.com/en/agility/agility-savings.html?utm_source=onlinebanking&utm_medium=banner&utm_campaign=+AgilityClientRed

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

Between November 1st, 2023 - December 19th, 2023
Simply deposit new money into your CIBC Agility Savings account to be eligible for the following:
Deposit $25,000 - $49,999: Earn a $250 bonus
Deposit over $50,000: Earn a $500 bonus
Sign-up for eStatements during the Funding Period
Keep the new money in your account until March 18th, 2024
Receive your bonus of up to $500 by May 17th, 2024
https://us.cibc.com/content/dam/us-public-assets/documents/pdf/agility-savings-promo-terms-and-conditions-en.pd

Is this still available? Link says, The page you entered was not found. It may no longer exist, or it may have been moved.

Primis Savings account from 5.10% to 5.16%

As of July 10, 2023, the annual percentage yield (APY) on your CIBC Agility™ Online Savings Account increased to 4.67% APY.

Western State Bank MMA raised their rate to 5.15% APY.

Don’t even see that choice on menu anymore.

Luminary MMA no longer available for new customers. Existing customers keep the current rate at least for the time being.

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

Andrews Federal Credit Union 5.75%
Special Limited-Time Only Online Savings Account
Now open to new accounts through December 31, 2023.
Compliments the base share savings account as an additional account.
Dividends are credited and compounded monthly.
If the average daily balance of the account exceeds $1,000
https://www.andrewsfcu.org/Learn/Resources/Rates/Savings-Rates

$5 to open base share savings account
Easy membership via American Consumer Council (join for $8)
https://www.americanconsumercouncil.org/

You did read where it says balances over $1,000 will earn 0.05%. Pretty worthless account I’d think.

Dividend Rate Tiers Dividend Rate Annual Percentage Yield (APY)
$.01 - 1,000.00 5.630% 5.75%
$1,000.01 and greater 0.050% 0.05%

My Banking Direct

Your High Yield Savings Account increased to 5.00% APY.

@bob-black said in Some of the quickest online ACH transfers I've seen:

cryptocurrency transfers are generally more secure and transparent than ACH transfers. Because cryptocurrency transactions are recorded on a public blockchain ledger, there is a clear record of all transactions, which makes it more difficult for fraudsters to carry out fraudulent activities.

Say what? I thought CC is favored for being untraceable and anonymous transactions favored by drug dealers and tax evaders.

High Yield Money Market Account at Western State Bank. Effective April 4, 2023, your High Yield Money Market Account will earn 4.55% APY.*

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

@atikovi said in Best Nationally Available High APY Liquid Accounts:

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Ivy Bank High Yield Savings was 4.25% now 4.50%

Which is different from their Indexed savings account paying 4.75%, right?

Correct; I believe we’ll see an update on the Indexed account on the first of the month.

So what’s the difference between the two? The savings account can change rates any time. The indexed account, just at the beginning of the month. Why is this a big deal, or is it?

@jtownsucks46 said in Best Nationally Available High APY Liquid Accounts:

Ivy Bank High Yield Savings was 4.25% now 4.50%

Which is different from their Indexed savings account paying 4.75%, right?

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

@goldsheet

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accounts

Did not last long: Total Direct was 5.05%, now DOWN to 4.50%

Good luck opening an account. When they deny you they wont give any reason. Glad they did now.

@goldsheet said in Best Nationally Available High APY Liquid Accounts:

NEW #1 Total Direct was 4.44%, now 5.05%
https://www.totaldirectbank.com/personal/money-market-accounts

**Thank you for applying for an account with us at TotalDirectBank.

We regret to inform you that we cannot approve your new account application.

We are unable to provide additional information.**

WTH? You can’t tell me WHY I wasn’t approved? I have opened half a dozen bank accounts the last 90 days and they didn’t approve me and WONT say why?

First Foundation Bank. We are increasing the rate of your Online Savings account today to 4.50% Annual Percentage Yield (APY).

Lending Club High-Yield Savings account is now earning 4.25%

ZYNLO Money Market Account from 1.25% Annual Percentage Yield (APY) to 4.00% APY.

PurePoint done for.

“We’re reaching out to let you know about important changes to your account(s) and to the PurePoint® Financial organization. After thoughtful review of our business, we’ve made the decision to permanently close PurePoint Financial. This closure is scheduled to occur in late April 2023.”

They have the best ACH transfer limits, $250k per day but worthless interest rates the last few years.

@dangeruss said in Some of the quickest online ACH transfers I've seen:

@atikovi said in Some of the quickest online ACH transfers I've seen:

Between Bask Bank and Elements Financial. It’s almost like same day although I didn’t check last night, the funds are available this morning for a transfer I made yesterday. Most other banks take 3-5 days. Wow.

Chase lets you do instant transfers ($5k/transfer $10k/day) limit I think

$10K isn’t much if you want to move a lot of money, like if another bank raises their rates by 0.50%.

I can add CIBC to this list and that they have a $125K daily $250K monthly transfer limit is a big plus. The money I pulled with CIBC from another bank was in my CIBC account the next day.

MyBanking Direct High Yield Savings going to 4.38%

I don’t have one, so don’t know.

@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