zzz, I’ll take that as an ALMOST guarantee that we can use Alliant CU.
I have a PayPal account & I was trying to figure out if I could ACH through it. Seems like I heard it would work but it doesn’t seem to want to tell me. 
Someone also mentioned that TIAA works Direct Dep. I opened that new TIAA mm 1.40% guaranteed for 1 yr. I have just the $500 required to open so I’ll have to add more money.
Any refer*al bonus? I’d be happy to use someone’s
Might be. But I’m personally unaware of any.
I used Presidential back in the days before I did checking account bonuses. They are more oriented towards businesses and local/regional to MD and DC. They were just advertising a small sign up bonus, $50 (on DoC’s website to me incredibly). So check you sign up.
Everyone is different. For me money is once again very tight at this time. I could not even scrape together fifty grand. But on chance things are different for you:
Bellco Credit Union is offering 1.25% APY on their MM account if you maintain a $50,000 balance. The rate is not locked in and can change at any time. I am a Bellco member and they have treated me right. Anyone may join. Here is a link:
As always, this is an advice, not a recommendation. I’m letting you know the deal is out there. That is all.
I’d say if you had $50k, wouldn’t it be profitable to go for the Citi Priority Package? We think you gain approximately 4.5% with the $700 bonus for 60-90 days.
For a change I’m lucking out with my Ag Fed CU CD maturing the 16th. I sure hate for that connection with Ag Fed to end. On the other hand, for me, I have some big bills coming up. So that CD will be split in several ways.
Thanks for the info on Bellco. I may be able to use it also.
Presidential has always had a DD requirement for something (either to keep it fee free or to get the high yield, can’t remember now). Way back when it was a leader in checking/savings interest rates (2003-2007), ACH from ING Direct counted as DD. At some point people said it stopped counting, but it continued working for me until I closed my accounts many years later. I suspected that it only stopped working after a manual review and a manual flag, so I made sure to never call them for anything as to not get any human eyes on my account 
. This could still be the case if you ever find conflicting data points – old systems with lax rules chugging along until manual intervention.
Anyone remember Coulee Bank, still paying 2.30% Yield on up to $15,000.00. The catch is no new accounts. Anyone who kept a few buck in there can reactivate. 2 ACH/month, 15 POS transactions.
Today’s drops:
Bank5 Connect High Interest Savings was 1.10% now 0.95%
HSBC Direct Savings was 1.01% now 0.70%
UFB Direct High Yield Money Market was 1.00% now 0.40%
UFB Direct High Interest Savings was 1.00% now 0.40%
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Wow, that’s a brutal drop for UFB.
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Accordingly for the $300 Northwest bonus we do DD of $500 per month. Three months time. But do we really won’t know that ACH transfer works until the end of the third month?
I used TIAA Bank for the first $500 dd today. It shows up as deposit Description C3uoaTOVY. Let us know how other deposits show on acct.
One drop today:
SFGI Direct Savings was 1.16% now 1.01%
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One drop today:
CFG Bank High Yield Money Market was 1.16% now 1.10%
Maybe we’re finally starting to see liquid rates stabilize around the 1% mark OR maybe it’s just the calm before another storm on 8/1.
Does anyone have experience with Varo? At 1.21% they seem to be the highest right now. I searched but don’t see any feedback on them here. I am not interested in the 2.8% since I have more than 10k I need to park.
Nevermind, Varo seems like crap… “Transfers to checking or savings accounts are limited to no more than $5,000 per transfer and $10,000 per calendar month.”
Well just one drop today which is pretty good for a Friday I think:
Rising Bank High Yield Savings was 1.00% now 0.80%
HOWEVER, we did lose an account completely today - Patriot Bank’s Money Market which was paying 1.40% with a rate guarantee for new customers through 8/31/20. For those of us with this account, and there are two generations - those who signed up earlier at the 2.26% rate, those who signed up later at the 2.22% rate, and those who signed up more recently at the 1.40% rate, this raises the question as to what the rate is going to be ongoing. I am still locked in at 2.22% until the end of this month and was hoping the prevailing rate of 1.40% would hold but that seems unlikely now. For those fellow Patriot customers out there, keep a watchful eye on your accounts come 8/1 or 9/1 and be ready to act.
@sia123 I believe your best bet is going to be First Foundation at 1.20% but who knows how long that rate is going to last.
Just got a note, CIBC down to 1.05%.
Also Western State Bank High Yield Money Market was 1.10% now 0.75%
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