HMBradley: if you have used it (other than please send me a referral) what do you like or dislike about it? Do you have a different checking/savings account that you prefer?

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Don't have a referral for you, but I haven't had any issues. Honestly I rarely check it, but I have been getting the 3% interest as promised. I have heard the app can be a bit buggy at times (once again I don't check often so it hasn't bothered me). It's as good as you'll get on a HYSA that gives interest up to 100k. You can also look into i-bonds but the limit is like 10k.

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