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

@jtownsucks46
I have so many banks ACH connected I need a spreadsheet to see which ones to use to either push or pull.

You ain’t the only one.

https://hosting.photobucket.com/images/d106/atikovi/bank_transfers.jpg

This is PW. Us cheap bastards don’t spend money on wires when ACH is free.

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

Yeah that doesn’t bother me. I use Alliant Credit Union as a hub account and they have 1 day ACH service. There’s also typically no hold on funds when you push them so I prefer to push anyway for this reason.

Does Alliant still have a $25K/day limit? That would be annoying to pull $250K from one account to push into Merchants. 20 days total to complete a transfer?

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

@goldsheet said in Best Nationally Available High APY Liquid Accounts:
To me Merchant’s Bank is still the golden goose!

If only you could originate ACH transfers, they would be perfect

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

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

@goldsheet My head is dizzy transferring funds back and forth between all my banks the last month as they raise their rates.

Dollar Savings Direct has been raising their rates to maintain their claim of the “America’s Highest Rate” so I’d expect them to raise theirs to match Bask. So you could just put it there.

DSD has a lousy ACH transfer policy. You can’t use an external bank to transfer money out of your DSD account (and maybe in, too), and you can have only an external personal CHECKING account linked to your DSD account to transfer money initiated through DSD.

@goldsheet My head is dizzy transferring funds back and forth between all my banks the last month as they raise their rates.

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

Northern Bank Direct MM was 2.75% now 3.25%

I still have a MMA there from a few years ago. Called and they will bump up to this current rate without having to open a new account. So not closing unused accounts eventually pays off.

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.

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

Looks like the Elements Financial Credit Union Helium Savings promo at 3.25% has been discontinued. The account page now shows the non-promo 1.00% rate for balances above $2,500. I believe the promo guaranteed the 3.25% rate for 1 year for anyone who signed up.

I’m locked in for a year. Guess they got too many customers.

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

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

Brio Direct Savings was 2.61% now 2.80%

Brio Direct Savings was 2.61% now 2.80%<<

Whatever you opened for is the rate it’s stuck at.

You can’t call them to switch your rate to the new rate?