I’m not sure if you can use a card for funding.
I used my TIAA Bank savings. The small deposits were in TIAA this morning. I posted immediately in AdelFi and probably will see the money in my online account tomorrow.
Now that the lift-off in the Feds fund rate has occurred, any guess which major online savings account rate will be the first to adjust?
Ally, Alliant, Marcus, or … ?
I dont know that liquid rates will be affected much by this first increase, they arent going to go up point-for-point. But now that they (The Fed) have actually taken the first step, I expect a bunch of short- and mid-term CD promos to try to lock in customer money before rates continue to increase.
3 Likes
I’m feeling good today. My AdelFi online account is opened and account is funded.
I can see my HYMM account online. First deposit shows up and Details & Settings are clear.
Interest Rate 1.01%.
That was a favorite saying of my maternal grandmother … when she was in her mid-eighties. 
I’m curious as to why you went with this instead of the 1.15 rate that @shinbone posted earlier. I’m not trying to find fault, but think I may have missed something in your reasoning.
For less than a quarter-point difference, I can understand sticking with simple (especially knowing Patty’s persona). That CD is rather complex, and not really anything any of us are familiar with.
2 Likes
Not hard to understand. Shinobi was interested in a CD (maybe), I liked this one because its liquid funds. Possibly/probably %rate good for 12 months. 
Actually the two offers are close, money wise. Both involved opening new accounts. Yes, I liked mine better., I can transfer any amount of $$’s anytime, whereas the other limits transfers to only one. (other catches involved)
To each his own!
2 Likes
For the record, I agree with pattyb53 on this.
For a liquid account where there will be a lot of ins and outs, a standard MM account is better, even at a slightly lower rate of interest.
I personally happen to have need for a liquid money account where there are not many ins and outs at all. For that Smart Move works well for me.
I also think Smart Move is worthy of consideration as a place to hold core CD funds in this time of rising rates. This because there is a bump, and because Smart Move will allow you to get your dough out nearly penalty free in future should CD rates rise.
2 Likes
Just received a notice today that CIBC has raised rates to 0.57%, up from 0.52%, effective immediately.
There may be hope for Alliant just yet.
3 Likes
Redneck bank just raised the rate to .55%
3 Likes
Synchrony Bank is now up to .60. No limits or hoops.
2 Likes
DD requirement remains for the best rate with Sofi.
They are now 1.25% with NO limit (max).
2 Likes
Yup - they are king right now. 1.25%, no max, no stupid debit card requirements, just need a direct deposit of any amount.
I already have an account and am going to be transferring liquid savings over there. That’s a significant hike over their competitors.
2 Likes
Dang. I just closed my Sofi account a few weeks ago.
any referral credits? Large enough for me to jump from Ally, GS . Unless hikes are imminent there
1 Like
@jesselivermore I don’t think they do referrals on checking/savings (I might be wrong). However, there is a promo at the moment from DoC web site you may want to check out.
1 Like
Posting here FYI, since I don’t see a separate thread for SoFi banking accounts.
Looks like SoFi doesn’t support adding beneficiaries (or POD) to their bank accounts. You can add a joint owner, but they must not already have an account at SoFi. Ridiculous.
2 Likes
Thanks for mentioning this! I found this which is 2 years old so not encouraging.
1 Like
I had a chat with a SoFi representative…said it is under discussion so possible it could happen…
Of course you could always tell your beneficiaries to log in and transfer to a bank you have that does… 
2 Likes