u/SampleTrick1725

So im trying to move my savings out of usaa because the apy is pretty low and ive been looking at amex since i already have a credit card with them and my experience has been really good so far does anyone have thoughts on that.Basically im looking for something that has good interest rates and wont give me any headaches when i need to access my money i want transfers to be smooth and quick without having to wait forever to get my funds. Im keeping my checking account with usaa so im really just looking for a high yield savings account that works well with other banks and lets me move money in and out without any delays or fees. Anyone have recommendations for accounts that actually deliver on what they promise or should i just stick with amex since ive already had good experiences with them

I’ve been thinking about moving my savings out of my regular bank because the interest is basically nonexistent and it feels pointless leaving money there now. I keep seeing people recommend banks like SoFi Ally Marcus Wealthfront and a bunch of others but every time I look them up there are mixed reviews about rates dropping customer support or accounts randomly getting locked for verification. One thing I still don’t fully understand is how these APY rates work long term because some places advertise really high numbers but then people say the rate can change whenever the bank wants. I’m mostly just looking for something reliable easy to use and not sketchy where I can park my savings and actually earn decent interest without stressing about hidden catches. Would appreciate hearing what banks you all actually use and if you’ve had any problems with transfers support or rate changes