懒人来求推荐一个APY高的靠谱银行

理财
#1

BoA BBR要被关了，一怒之下准备把BoA里一直0利率的钱全部取出来关户，也正好借机把其他几个checking account整合一下，求各位推荐个银行。自己工作太忙了没空一个个research。

Must have‘s：

  1. APY较高，不必最高，但希望无upper limit （很多银行有高APY但是up to $30k/50k），并且以后降息以后也能维持相对较高的APY
  2. FDIC 保额高。总共要存大概60W，所以25W保额肯定不够
  3. 靠谱，最好别是那些喜欢玩花样的Fintech

Nice to have:

  1. 免费取现，甚至能免费国际取现
  2. 免费支票等福利
2 个赞
#2

搭车同问

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#3

搭车同问，等个老实人帮我仨白金会员做做功课 :troll:

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#4

sofi？除了不能用zelle 体验挺不错的

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#5

SoFi Checking and Savings receives industry-standard FDIC insurance of up to $250,000 per member

FDIC保额不够啊，很担心这种Fintech随时跑路

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#6

我也觉得是sofi 最近到4了

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#7

FDIC所有地方上限都250000吧，除非你是像Fidelity那种Cash Sweep把你的钱再存到其他银行的

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#8

first republic bank 可以满足你的要求 :grinning:

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9 个赞
#9

对，如果有这种Cash Sweep就更好了

#10

If you are looking for a bank that offers a high APY, no upper limits, and FDIC insurance coverage of up to $600,000, you may want to consider spreading your funds across multiple accounts at different banks. The FDIC insures up to $250,000 per depositor, per account ownership category, so you would need to spread your funds across multiple banks to ensure that your entire balance is covered by FDIC insurance.

Some online banks that offer competitive APYs and FDIC insurance coverage of up to $250,000 per account ownership category include:

  1. Ally Bank - Offers a high yield savings account with a competitive APY and no monthly maintenance fees. You could open up to three different accounts at Ally Bank to receive FDIC coverage of up to $750,000.
  2. Synchrony Bank - Offers a high yield savings account with a competitive APY and no monthly fees. You could open up to three different accounts at Synchrony Bank to receive FDIC coverage of up to $750,000.
  3. Marcus by Goldman Sachs - Offers a high yield savings account with no transaction fees and a competitive APY. You could open up to three different accounts at Marcus by Goldman Sachs to receive FDIC coverage of up to $750,000.

Be sure to check the current interest rates and terms of each bank before opening an account. Additionally, it’s important to note that interest rates are subject to change at any time and there are no guarantees that a bank will maintain a high APY after the interest rate is lowered

-ChatGPT :yaoming:

7 个赞
#11

好像FDIC保险是按人头算的，不是按账户，同一家开三个账户也只能保$250k吧

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#12

分三个银行存，看看人家字母哥

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#13

推荐一下 把钱存我这里

  1. 提供 APR 10%。
  2. 虽然不是FDIC member，但我可以和你达成君子协议，对你在我这里的存款无上限兑付。
  3. 没有任何金融风险，所有资金都以现金形式，保存在海外安全账户。
    考虑一下:yaoming:
21 个赞
#14

我依稀记得有专门帮有钱人把钱分上千份存银行的服务

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#15

Discover+Marcus应该够了？

但60万为什么不放在merill吗？

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#16

我觉得不如直接去买t-bills？或者t-bills etf像sgov，这样券商保险cover五十万。而且理论上就算券商倒闭了，asset还是你的，不会没有。

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#18

是按人头，但是p1, p2, joint就有三份保险了，足够放阁下的60w

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#19

Marcus

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#20

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这个怎么样。

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#21

60w得存3个行
merrill的preferred deposit fdic 25w 现在4.24%
sofi 4％
pnc savings 4%
Citizens savings 4.25%

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