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

@goldsheet I am grateful to all advice from this board.
You’re welcome

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@dionaea Like your real estate tax method,
Instead of making 2 payments per year, I let one slide into next year.
As a result, every other year I have only 1 tax payment, so take standard deduction.
Then following year have 3 tax payments, so itemize.
Also, I make little charitable contributions in the standard deduction year, then double the amount in the itemize year.

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Everything, except fried onions, in one store, but two trips required.

@my4mainecoons
I did the full $50K figuring I would lose 3 months of interest (50K*1%/4=$125) but get $500, so net $375 ahead

This is bank thread, but bonus from Tastyworks brokerage was crazy.
Deposit $10K on 11/1, paid bonus of $500 (5%) on 11/2
"Funds must remain in the account (minus any trading losses) for a minimum of three (3) months or the cash credit(s) may be surrendered."
https://info.tastyworks.com/opennow

M1 Finance is a fintech providing INVEST (SIPC brokerage) and SPEND (FDIC bank)
Current promotion: Get up to $500 opening and funding in first 14 days.
Bonus payout will be on January 31, 2022
M1 Plus (normally $125/yr) is free for the first year and bumps SPEND to 1.00%APY
(M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDI

WARNING - Here’s the catch
"Reallocation of any funds transferred externally, or internally to any other M1 services (e.g., M1 Spend), prior to the Pay-out Date will disqualify you from this Promotion."
STRATEGY:
Open INVEST (brokerage)
Leave money there until you get bonus on 1/31/22
Then you can move it over to SPEND (bank) to get 1% APY
https://www.m1finance.com/fund-500-bonus/

VIO BANK
Cornerstone Money Market Account was 0.61%, now 0.56%
High Yield Online Savings Account was 0.56%, now 0.51%

Need to make a clarification / correction.
Paramount got confusing with their account names
"High Interest Checking" (no longer available) has a rate of 0.55% on entire balance.
New offering is “Interest Checking” at 0.30% up to $99.999.99. 0.10% above $100,000.00

Paramount “High Interest Checking” is no longer available.
They now have an “Interest Checking” with a low rate.
“The Annual Percentage Yield (APY) and the Rate of the Interest Checking Account is 0.30% as of July 10, 2021 for accounts with balances up to $99,999.99”