Who do you use for a savings checking combo account? I’ve stuck with BOA out of sheer laziness of not wanting to switch over all my automatic transfer and online bill payment information, but I’m ready to make the switch to a better bank.

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My wife and I use Ally and have no complaints. They HAD a competitive Savings Acct APR but nowadays all HYSA rates are trash. No ATM fees, all online/app banking, our experience with support has been nothing but positive.

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I moved about 90% of my savings account(s) into CDs as I don't foresee any increase in APY within the next year. I do this on a staggered handful of CDs in case of emergencies. So I'll have a 6 month, 9 month, and 12 month CD.

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Aren't CDs terrible right now? I have only 3 month CDs but the increase has been awful. Wouldn't it be better to go in on index funds/ETFs? Just wondering....

Schwab. The best.

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Discover

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Ally

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I do Ally for a lot of my savings, Chase to have local branch access in case I need it and a local credit union should I ever need competitive rates.

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I really like Schwab. The customer service is amazing, and I like having everything in one place. However, if you were looking for the highest savings rates then you might have to look at the pure online savings banks (Marcus, Amex, Discover, etc.).

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I do Bank of America too for their preferred rewards program. Since BOA doesn’t have a HYSA, I just opened an investment account at Merrill edge (synced with BOA) and put my emergency funds savings in the vanguard short term bond ETF: BSV

Thanks. That's a good option for putting funds into now. I will look into it.

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