I had a checking account earning 4.25% interest but they’re dropping it to 1%. I keep anywhere from $10k-$30k in the account. I’d prefer an account I can bill pay from and have access to free ATMs but not required. Anyone want to give me a referral code?

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I use Sofi for my checking. It's 0.5% but their savings is 4.6%. I just have overdraft on and keep checking at $0. Happy to give a referral if you need ($25 referral + $300 direct deposit bonus).

For ATM withdrawls, which I rarely do except abroad sometimes, I use the Fidelity CMA. Think it's like 2.7% interest. Fee free ATM withdrawals anywhere in the world. No referral needed, but there's a $100 public promo out there for opening a new account with $50.

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Fidelity Cash Management

Fidelity, Marcus, usually Ally all are typically higher end of the HYSAs

Fidelity or Charles Schwab

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