If your savings are at one of the big brick-and-mortar banks, you're probably earning around 0.01%. Literally, a penny a year on $100. Meanwhile, a high-yield savings account pays around 4% right now, with the same FDIC insurance up to 250k. It's the same type of institution finally paying you the real rate. Moving idle cash is generally one of the highest-return things you can do in one afternoon. The bank is just counting on you not bothering. This is merely an opinion and not financial advice
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