Ally or Marcus? What’s best for HYSA?

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I have an account with Marcus, no complaints

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I have a Marcus account and it's fine.

I opened a Sofi account because it's a higher rate (2.5%) and it has a cash bonus ($25 if you sign up with referral, $300 with direct deposit). Can give you a referral if you need one.

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I have a Marcus one that is giving me 3.15% due to the referral bonus. Can’t complain. UI is good and transfer process is simple

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This will give you an extra 1% on Marcus. Currently 3.15% with no minimum deposit. https://www.marcus.com/share/RYA-PUD-QUR6

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My savings rate for savings is 13% gross and it goes into Marcus. Have about half a year saved in there so far

I have Marcus. No complaints

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Treasury Direct. 4+% on 1 yr notes. 2.6% on 1 month bills.

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I’ve never bought anything but i bonds on Treasury Direct. This is great advice. Thanks, K2.

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I signed up with Marcus since I didn’t have to go through the hoops Sofi required.
And opened the accts with Chase for the $600 bonus.

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Thanks for sharing

i use ally. getting 2.25. i see above marcus giving 3.15?! damn

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For those that may be interested in opening the HYSA with Marcus, here’s the referral code!

https://www.marcus.com/share/MOH-VWK-HJ5Y

I used Capital One, high APY (comparable to Ally + Marcus) and local branches for when I need it, and no fees

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I use Ally because they (typically) have a similar rate to Marcus and I like the buckets feature. Especially useful if you use the concept of sinking funds

My household uses Marcus and we really are enjoying it.

I started a HYSA for my mother (never had savings) and used Ally bc of the buckets to give her a visual. The only downside about Ally is the delayed deposits if you request transfers

Marcus is super fast, almost instant!

I had a check out that I forgot about that would put me at negative balance. I saw it and quickly moved money and don’t think I got into any issues or trouble

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