Posts made by jtownsucks46

Primis Bank Checking and Saving Accounts both dropped from 5.03% to 4.35%

Bread Financial(Comenity Capital Bank) Savings was 4.00% now 4.25%
Prime Alliance Bank Savings was 3.65% now 4.05%

American Express Savings was 3.40% now 3.50%

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%

Marcus by Goldman Sachs Savings was 3.50% now 3.75%

@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.

Popular Direct Savings was 4.26% now 4.40%
The Atlantic Federal Credit Union MM(via SaveBetter) was 4.25% now 4.40%

@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.

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%

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%

American First CU MM (via SaveBetter) was 4.15% now 4.30%
Personal Capital Cash Account was 3.85% now 4.10%

Betterment Cash Reserve was 3.75% now 4.00%

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%

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%

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%

Merchant’s Bank of Indiana 4.08% now 4.34%

Atlantic FCU MM(via SaveBetter) was 4.20% now 4.25%

Newly added to SaveBetter: adda bank Savings 4.25% https://www.savebetter.com/banks/adda-bank

Blue FCU MM was 4.15% now 4.25%
Ivy Bank Indexed Savings was 4.03% now 4.71%
Community Wide FCU Monthly Savings was 3.50% now 4.00%
TIAA Bank MM was 3.35% now 3.45%
Alliant CU Savings was 2.70% now 2.95%
PenFed CU Savings was 2.30% now 2.70%

Republic Bank MM was 4.37% now 4.47%
Ivy Bank Savings was 4.05% now 4.25%

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

Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.

https://primisbank.com/primis-savings-accounts/

Very interesting bank. In addition to the savings account, they also have two checking accounts. One is essentially the same as the savings. It pays 5.03%. The other pays 50 cents each time you use your debit card(except ATM transactions). There is no identified minimum transaction to get the 50 cents. They also refund ATM fees other banks charge. I wonder how long these rates are going to last.

https://primisbank.com/personal-checking/

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

How can you tell? I did get alerts from the credit monitoring services but I also applied at Purely Bank and got a Home Depot card the last few days.

If you are signed up for a service like Credit Karma, you should get a notification email when your credit is pulled.

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

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

Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.

https://primisbank.com/primis-savings-accounts/

OK I guess I’m the guinea pig. Just applied and it was the easiest I’ve ever experienced. Apparently the account is open and have linked the funding account immediately. Looks like they even have branches nearby.

Let us know if you get a hard credit pull. Im seeing talk on another forum that they are doing hard pulls for these accounts.

Not familiar with this bank and haven’t spent much time looking into them but this may be the first 5%+ liquid account.

https://primisbank.com/primis-savings-accounts/

Looks like we have a new rate leader:

Purely Money Market was 3.50% now 4.45%(25k minimum)

Also a new account:

Mutual One Mo Premium Savings 4.07% requires 20k minimum daily balance

Sallie Mae MM was 3.40% now 3.60%
Sallie Mae Savings was 3.20% now 3.50%

Tab Bank Savings was 3.64% now 4.06%

Republic Bank MM was 4.28% now 4.37%

I live in a legacy PNC market so am not eligible for their 4% High Yield Savings account. I was shocked to receive an email from PNC inviting me to open a high yield money market promo account paying 4.25%. If you have PNC and are in a legacy market, may be worth checking your email for this offer!

CFG Bank MM was 4.15% now 4.25%
Removed Third Coast Bank Savings(via SaveBetter) 4.13% - no longer offered
Removed Patriot Bank MM(via SaveBetter) 4.00% - no longer offered

Vio Cornerstone MM was 4.01% now 4.17%
Brilliant Bank Savings was 4.01% now 4.30%

EmigrantDirect Savings was 2.50% now 3.50%
SFGI Direct Savings was 3.26% now 3.51%

Lending Club Savings was 3.60% now 4.00%
US Alliance Financial Savings was 3.25% now 3.50%

Blue Federal Credit Union MM was 4.00% now 4.15%
ETrade Savings was 3.25% now 3.50%
Zions Bank MM was 1.26% now 1.51%
Brio Direct Savings was 3.75 and Brio Direct MM was 0.70% have both been removed from the list as Brio is reportedly no longer offering savings/MM accounts instead focusing on CD’s

Great Lakes CU MM(via savebetter) was 4.10% now 4.20%

CIT Savings Connect was 3.85% now 4.05%
Liberty Savings Bank Savings(via savebetter) was 3.85% now 4.00%
mph bank MM was 3.85%(via savebetter) now 4.15%
Bread Savings was 3.50% now 4.00%

Two new financial institutions with Savings/MM accounts on the savebetter platform:

Western Alliance Bank Savings 4.23%
The Atlantic FCU MM 4.10%

Ivy Bank Indexed Savings was 3.84% now 4.03%
Western Bank MM was 3.50% now 4.25%
Bank Purely Index MM was 3.46% now 3.90%
iGo Banking Index MM was 3.46% now 3.90%
TIAA Bank MM was 3.00% now 3.35%
CommunityWide Hi Rate Monthly was 2.00% now 3.50%
Self Help CU MM was 1.89% now 2.14%

My Banking Direct Savings was 3.55% now 4.05%

Popular Direct Savings was 4.11% now 4.16%

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%

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%

Alliant CU Savings was 2.60% now 2.70%

Discover AAII Savings was 3.05% now 3.35%
Discover Savings was 3.00% now 3.30%
Marcus by GS Savings was 3.00% now 3.30%
PenFed CU Savings was 2.00% now 2.30%

Republic Bank Digital MM was 4.00% now 4.25%

Popular Direct Savings was 4.01% now 4.11%
Ivy Bank Savings was 3.90% now 4.05%
Personal Capital Cash Management was 3.35% now 3.85%
ConnectOneBank Savings was 3.25% now 3.90%
Quontic Bank Savings was 3.20% now 3.50%
Betterment Cash Reserve was 3.20% now 3.75%
SFGI Direct was 3.01% now 3.26%
Colorado Federal Savings Bank was 2.80% now 3.00%

MySavingsDirect Savings was 3.90% now 4.35%
Third Coast Bank Savings(via SaveBetter) was 3.70% now 4.13%
CIT Bank Savings Connect was 3.60% now 3.85%
Ally Bank Savings was 3.00% now 3.30%
Barclays Bank Savings was 3.00% now 3.40%

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

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

Thanks; added.

Merchant’s Bank MM was 3.82% now 4.08%
My eBanc MM was 2.48% now 2.99%(balances 100k and below)
My eBanc MM was 3.67% now 4.18%(balances above 100k)

Great Lakes CU MM was 4.03% now 4.10%
UFB Direct Savings was 3.91% now 4.11%
UFB Direct MM was 3.91% now 4.11%
Popular Direct Savings was 3.56% now 4.01%
Synchrony Bank Savings was 3.25% now 3.50%
USAlliance Financial Savings was 3.00% now 3.25%
Capital One Savings was 3.00% now 3.30%
Vio Bank Savings was 1.00% now 1.10%

Vio Bank MM was 3.62% now 4.01%