This post comes with a nod of the head and thanks to Honkinggoose, without whose help I would still be where I was.
I think arguably the best liquid funds account out there now, not an RCA, is the Keesler HIMMA Plus account. Course even the great HIMMA Plus interest rate turns into a rather mushy pumpkin after six months. And I was getting close.
In the wake of Honkinggoose’s up-thread post I was able to get myself another six months and a higher interest rate to boot. The experience was not perfectly smooth, but it was smooth enough. So much at Keesler, no matter what it is you might want to accomplish, depends on the rep who is assisting you. My rep did not at first know how to pull this off for me. But she kept at it and eventually the deed was accomplished. She told me she had learned something, and that was fine with me.
Need to point out that when I opened my first HIMMA Plus my funds were limited. This of course limits one’s interest rate. Right now I happen to be fat with liquid money, temporarily, until I have to pay off a BUNCH of credit card charges relating to my CD side hustle. So it was a good time for me to renew my HIMMA Plus and snag an extra six months and a higher interest rate simultaneously.
First I drained my old HIMMA Plus of almost everything, via ACH, with the money pouring into Alliant. Next I did two moves of those same funds, again via ACH, back into my Keesler savings. This was done to create (what Keesler views as) “new funds”. You have to have new funds to open, or add to, a HIMMA Plus. This is a tightly enforced Keesler account rule for this account type.
On the day the second tranche of funds arrived there I telephoned Keesler and requested to close my existing HIMMA Plus, moving the small residual balance to my Keesler savings. No problems up to this point.
Next I requested to open a new HIMMA Plus using the new money which had just come into savings. This is where a wrinkle appeared. The rep did not know how to accomplish that given the circumstances. It took a while but she made a couple of calls to her back office and learned what she needed to know to make it happen.
I ended up with a new HIMMA Plus with an updated open (i.e., start) date and a higher interest rate owing to the larger opening amount. So now I’m set until July with a liquid funds account paying 1.40% APY. Life is good.
ETA
There is one additional aspect some might find intriguing:
My new HIMMA Plus account has exactly the same MICR number as my original HIMMA Plus account did. This messed with my head a little until I figured it out, and it sort of explains why Keesler limits members to one HIMMA Plus account at a time per social security number.