Any recommendations for a good HYSA that does not have a rate based on referrals (Marcus, Weathfront) or direct deposit (SoFi)?

Taking a few months off before my next job so don't want to lose the high rate I have with SoFi, and have been on the hamster wheel of Marcus before and don't want to do that again

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Discover is your answer. They also have a starting bonus - so your lucky day.

likesmart

They’re acquired, yes. But the offering is still there.

Ally looks like a great option as well based on the other commenter.

I have used Ally Bank for 10+ years, highly recommend. Also if it matters to you, they’re one of the few HYSA providers that allow you to put your accounts into a trust if you ever do estate planning.

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I use American Express and very happy with them.

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I use a MMF associated with my brokerage accounts for this sort of thing. It's essentially T-bill and chill, so I have visibility into rates. The tradeoff is basically a 1 day lag between when I sell the fund, and when the cash appears in my account. I've a small amount of cash in checking for bills and such, which yields essentially zip.

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What are concerns with Marcus?

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