FNBO Direct Online Savings lowered to 2.10% APY
Added Wealthfront Cash to the wiki.
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Up to $500 bonus for keeping 50k at Marcus(Goldman Sachs) for approximately 90 days.
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That’s about a 6.15% annualized return on 50k when you combine the bonus with the current rate.
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Not a bad 3 month CD… Will probably partake.
Here’s another $500 bonus opportunity, this one just requires 20k on deposit at 2% for 90 days.
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Maybe do both then 
Ok reading into the terms, they have Individual Accounts and Shared Accounts so a couple could do 1 Individual account each, plus 1 shared account. Each account could get a bonus of $250 if funded with $10,000 it sounds like. You may not even need to have the money for the full 90 days, just have it in the accounts by 8/15/19 and leave it to earn 2.02% until 10/31/19.
Overall sounds better than Marcus due to be able to collect $750 (for two people) for basically only $30k total.
Do we know if they require hard pulls?
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Betterment offers what appears to be a 2.68% APY on “Savings” with FDIC insurance up to $1M [ Betterment Checking ].
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Looks like there’s a waitlist?
It appears that you get the Betterment 2.68% APY on savings immediately (appears to be variable and not guaranteed) but only if you agree to “join a waitlist” for their checking account, which appears to be free.
If you don’t mind waiting 5 days for them to process outgoing transfers, then i guess they’re ok…LOL that’s what it says on their FAQs section…There’s almost always catches when you get involved with places that offer top or even higher rates…You always have to look at all the “features of an account” and not get “dazzled” by a high rate dangled at you…
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For SImple, one of the verification options is “a picture of you standing outside your residence” … That’s a new one for me, not sure what exactly that verifies?
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2.69% APY is a promotional offer for individuals who sign up for the Betterment Everyday Checking waitlist and applies to cash deposited into Savings for the duration of 2019. APY is 2.43% as of 07-10-2019 without the promotional offer. APY is a variable rate and may change at any time.
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I suppose they could compare against property tax photos or Google street view to verify the address. But that wouldn’t work for everyone, and wouldn’t prove that it was you. Odd.
Street view and GPS coordinate tag in the JPEG was my first thought. Photoshop (which would allow faking both) was my second.
That’s assuming they required a GPS tag. Without it, it could be anywhere and it could also be entirely photoshopped. What verification was that? Of your identity? It’s the first time I’ve heard any bank asking for a photo of the applicant.
Could it be risky anyway for a bank to ask for a picture (potential for discrimination issues if they denied application of minority applicants)?
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Good heavens that is SO spot on!
What on earth are they thinking!
That may be their last resort verification because I was never asked any of that when setting up or accessing my own account. They require 2-factor ID but I just used regular SMS code.