Best posts made by jtownsucks46

Today’s drops:

UFB Direct Premium Money Market was 1.35% now 1.00%
UFB Direct High Yield Savings was 1.35% now 1.00%

Today’s drops:

Able Bank Personal Money Market was 1.25% now 1.05%
Popular Bank Ultimate Savings was 1.20% now 1.05%

Today’s other drops:
Nationwide(Axos) My Savings was 1.40% now 1.15%
Nationwide(Axos) High Yield Savings was 1.30% now 1.00%
Nationwide(Axos) Regular Savings was 1.30% now 1.00%
Sallie Mae Money Market was 1.10% now 0.99%
CIT Bank Money Market was 1.06% now 1.00%
Northfield Bank Platinum Savings was 1.05% now 0.85%
CIT Bank Savings Builder was 1.01% now 0.95%
My Savings Direct My Savings was 0.85% now 0.75%

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

National Cooperative Bank Impact Money Market was 1.52%, now 1.11% (OUCH!)
PurePoint was 1.01%, now 0.80%
Vio Bank was 1.21%, now 1.11%

Today’s other drops:

Colorado Federal Savings Bank Premier Savings was 1.20% now 1.00%
Web Bank Savings was 0.95% now 0.85%

Also effective July 21 All America Bank and Redneck Bank Money Market accounts drop from 1.10% to 0.85%

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

HSBC Direct was 1.01%, now 0.70%

I still see 1.01% on their website. Did you get an email that it’s changing?

My referral code is P2K0416458503 if anyone is interested in using.

Received a tracking number too. Does anyone know which shipper they use?

American Express Savings dropped to 0.50% to 0.40% today.

Alliant up to 1.75% - barely worth reporting.

They sweep your money into partner banks so there is FDIC insurance but I always worry about the time while your money is in their possession but before it’s swept into the partner bank(s). Probably overkill worrying about that however. I’ve not used them but 3% sure is tempting.

Can I return or make a price adjustment on an item that earned Kohl’s Cash?
Yes, of course! We’ll just have to decrease the value of your Kohl’s Cash Coupon.

Did you already spend your Kohl’s Cash?
No problem! If you’ve already used your Kohl’s Cash, you’ll get a refund in the form of your original payment, minus the amount of the Kohl’s Cash Coupon you spent.

Are you returning merchandise that was purchased with Kohl’s Cash?
Again, no problem. We’ll return the value of the Kohl’s Cash Coupon to you as Return Kohl’s Cash, valid for 30 days from the date of your return.

https://www.kohls.com/feature/kohls-cash.jsp#0

Colorado Savings Bank Premier Savings was 0.70% now 0.90%
CIBC Online Savings was 0.62% now 0.72%
Synchrony High Yield Savings was 0.60% now 0.85%
Brio High Yield Money Market was 0.55% now 0.70%
Brio High Yield Savings was 0.40% now 1.00%
Betterment Cash Reserve was 0.50% now 0.75%
Personal Capital was 0.15% now 0.65%

UFB Direct Savings was 1.51% now 1.66%
CFG High Yield Money Market was 1.30% now 1.65%
Sky One FCU Money Market was 1.25% now 1.40%
CIT Savings Connect was 1.20% now 1.35%
Marcus Online Savings was 1.00% now 1.20%
Alliant High Rate Savings was 1.00% now 1.05%
CIT Money Market was 0.85% now 1.00%
CommunityWide FCU High Rate Quarterly was 0.80 now 1.20%
TIAA Money Market was 0.70% now 0.90%
Northpointe Bank Ultimate Money Market was 0.65% now 1.25%
CIT Savings Builder was 0.65% now 0.70%
Northpointe Bank Ultimate Savings was 0.65% now 1.25%
Countrywide FCU High Rate Monthly was 0.60% now 0.70%
Self Help Money Market was 0.40% now 0.53%

No, the bank does not have responsibility to wait for checks to clear to make the funds available to the customer. Regulation CC governs this, and banks are typically required to make funds available to the customer within 2 business days of the deposit. The bank is not responsible because the customer willingly sent the money and FDIC insurance does not come into play here nor does the bank’s insurance. Your son will likely have to pay the $3950 unless the police can catch the thief and recover the money which is highly unlikely. He should likely chalk this up to experience of not sending money through Zelle unless he’s absolutely certain of what he’s doing. Unfortunately, there are so many scams like this out there, but he likely will learn from this and never fall for another one so that’s one positive to focus on.

Ivy Bank Savings was 1.90% now 2.15% - not available in California

CFG Bank Money Market was 2.30% now 2.55%

CIBC Agility Savings was 1.95% now 2.08%
Northpointe Banks MM was 1.75% now 2.15%
Northpointe Bank Savings was 1.75% now 2.15%
Citizen’s Savings was 1.75% now 2.10%
Ponce Bank MM was 1.75% now 2.50%
Sky One MM was 1.70% now 2.20%
Discover AAII Savings was 1.55% now 1.65%
Liberty Savings Bank Savings was 1.51% now 1.85%
Bank 7 Savings was 1.50% now 1.80%
Capital One 360 Savings was 1.50% now 1.70%
Discover Savings was 1.50% now 1.60%
Sallie Mae MM 1.50% now 1.75%
Marcus Savings was 1.50% now 1.70%
Popular Direct Savings was 1.45% now 1.55%
Amex Savings was 1.40% now 1.50%
Smarty Pig Savings was 1.40% now 1.65%
Rising Bank Savings was 1.30% now 1.60%
FNBO Direct Savings was 1.20% now 1.41%
Northern Bank Direct MM was 0.45% now 1.50%
Bank5 Connect Savings was 0.40% now 1.50%

New rate leader - Ponce Bank MM 2.50% - since CFG Bank MM 2.55% has temporarily suspended applications for new accounts.

https://www.savebetter.com/ponce-bank/ponce-mmda

Valley Direct Savings was 2.10% now 2.20%
Liberty Savings Bank Savings was 1.85% now 2.50%
Quontic Savings was 1.85% now 2.05%
All America Bank Checking was 1.75% now 2.25%
Redneck Bank Checking was 1.75% now 2.25%
Discover AAII Savings was 1.65% now 1.75%
Discover Savings was 1.60% now 1.70%
Rising Bank Savings was 1.60% now 2.10%
Popular Direct Savings was 1.55% now 1.75%
SFGI Direct Savings was 1.51% now 1.81%
American Express Savings was 1.50% now 1.65%

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

Ivy Bank Savings was 1.90% now 2.15% - not available in California

Now 2.30%

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

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

Ivy Bank Savings was 1.90% now 2.15% - not available in California

Now 2.30%

Now 2.70%

Bank Purely MM was 2.15% now 2.75%
iGo Banking MM was 2.25% now 2.75%

Ponce Bank MM was 2.50% now 3.00%
Valley Direct Savings was 2.20% now 2.65%
Personal Capital Cash Account was 2.02% now 2.60%

Brio Direct Savings was 2.61% now 2.80%
Prime Alliance Bank Savings was 2.26% now 2.70%
American Express Bank Savings was 1.90% now 2.00%

Bread Savings(Comenity Direct) was 2.15% now 2.90%

UFB Direct Savings was 2.85% now 3.01%

TIAA MM was 1.60% now 2.10%
Self Help CU was 0.82% now 1.39%

Lending Club Savings was 2.65% now 2.85%
Northpointe Bank Savings was 2.45% now 2.95%
Northpointe Bank MM was 2.45% now 2.95%
Patriot Bank MM was 2.25% now 2.80%
Ally Savings was 2.10% now 2.25%

mph bank MM was 2.75% now 3.00%
Liberty Savings Bank Savings was 2.50% now 2.85%
Sallie Mae MM was 2.25% now 2.50%
Capital One Savings was 2.15% now 2.20%
American Express Savings was 2.00% now 2.15%

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.

CFG Bank MM was 2.90% now 3.03%
Smarty Pig Savings was 2.10% now 2.40%

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

@jtownsucks46
NASB (2.53%) had online application yesterday. gone today.
I guess they were flooded and had to suspend, too !
https://www.nasb.com/

This one is up to 3.04%. Nationally available except: The rate displayed will not be available in the Kansas City(KS/MO) metro area.

https://www.nasb.com/banking/resources/account-rates

CIBC Bank Savings was 2.32% now 2.51%
First Internet Bank Savings was 2.12% now 2.22%

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

Ivy Bank Savings was 1.90% now 2.15% - not available in California

Now 2.30%

Now 2.70%

Now 3.10%

State Exchange Bank Savings was 2.35% now 2.75%
Capital One 360 Savings was 2.20% now 2.25%

Brilliant Bank Savings was 3.15% now 3.25%
mph Bank MM was 3.00% now 3.20%
Lending Club Savings was 2.85% now 3.12%
Popular Direct Savings was 2.25% now 2.50%
Connect One Bank Savings was 1.25% now 2.00%

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

New #1
Salem Five Direct was 2.5% now 3.5%

Of course the catch is "eOne Savings eligibility is limited to consumers who apply online and who do not have an existing checking or savings account with Salem Five Bank at the time of the application, except that consumers with an existing eOne Checking Account are eligible for the eOne Savings Account."
https://www.salemfivedirect.com/#eonesavings

WOW, unprecedented 1% increase!!

Other updates:

Liberty Savings Bank Savings was 2.85% now 3.10%
Synchrony Bank Savings was 2.45% now 2.75%
Smarty Pig Savings was 2.40% now 2.60%

State Exchange Bank Savings was 2.75% now 3.30%
Tab Bank Savings was 2.66% now 3.00%
TIAA Bank Svings was 2.10% now 2.25%
Western Bank Savings was 2.00% now 3.00%
Self Help CU MM was 1.39% now 1.53%

Brio Direct High Yield Savings was 2.80% now 3.75%
CFG Bank MM was 3.55% now 3.70%

Ponce Bank MM was 3.00% now 3.25%
Wealthfront was 2.55% now 3.30%
SFGI Direct Savings was 2.21% now 2.51%

Betterment Cash Reserve was 2.75% now 3.20%
E Trade Savings was 2.75% now 3.25%

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

UFB at it again with a new
UFB High Rate Savings Account
Balance Tiers APY* Rate
$0 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 3.71% 3.64%
$50,000 - $99,999.99 3.83% 3.76%
$100,000 or greater 3.83% 3.76%
https://www.ufbdirect.com/Savings/ufb-high-rate-savings

Finally a bank decides to beat Merchant’s Bank of Indiana(just by 0.01%) for the top rate. Too bad they only did it by requiring 50k minimum to get the rate. And that’s assuming you get the 3.83% on the whole balance rather than a blended rate. Not clear from their website. To me Merchant’s Bank is still the golden goose!

Brilliant Bank MM was 3.61% now 4.01%

Bread Savings was 3.00% now 3.50%

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

Republic Bank Chicago was 3.38%, now 4.00%
https://republicebank.com

Nationally available except IL, IN, MI, and WI.

An increase: Citizen’s Savings was 3.00% now 3.75%
A decrease: ConnectOne Bank Savings was 4.00% now 3.25%

Valley Direct Savings was 3.60% now 4.00%
Ivy Bank Savings was 3.50% now 3.90%
Liberty Savings Bank Savings was 3.50% now 3.85%
mph Bank MM was 3.50% now 3.85%
CIBC Savings was 3.27% now 3.37%
Rising Bank Savings was 3.25% now 3.50%

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

NEW: B1Bank 3.80%
https://www.b1bank.com/onlinesavings

Thanks; added.

The State Exchange Bank(via SaveBetter) was 3.60% now 4.00%
BankPurely MM was 3.50% now 3.00%
CIBC Savings was 3.37% now 3.62%
PrimeAlliance Savings was 3.25% now 3.65%
First Internet Bank Savings was 3.04% now 3.35%
American Express Savings was 3.00% now 3.30%

American First CU was 4.00% now 4.15%
Sallie Mae MM was 3.20% now 3.40%
Bank7 Savings was 3.00% now 3.30%
Virtual Bank MM was 2.84% now 3.30%
National Cooperative Bank MM was 1.16% now 1.66%