Thanks slappycakes for posting the AdelFi links.
Wish I was more competent on this machine. Yes I could take classes but who has the time? So I’m muddling along and manage.
Actually I think this is a pretty decent deal for today’s market. Liquid accounts that pay 1% with a year’s guarantee are not available often.
The footnotes on the promo page support this - it turns into a pumpkin for sure after 12 months, but it could happen sooner. And the $100k cap could also change.
That said, at 1% I think it would take a massive change in FED rate expectations for them to drop the rate prematurely. As you say, buyer beware - it’s not an account you can make a deposit then ignore it for a year.
allow any card funding?
Thanks glitch. I appreciate your comments.
Seems like a person has to read into everything that is posted. Dive down deeply and I’m sure you can find a possible way to get caught.
Sure enough, I’m going to watch this account a little closer than usual. I’m still happy with this 1% HYMM liquid account. (likely good for 12 months). 
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.
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.
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!
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.
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.
Redneck bank just raised the rate to .55%
Synchrony Bank is now up to .60. No limits or hoops.
DD requirement remains for the best rate with Sofi.
They are now 1.25% with NO limit (max).
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.
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