u/StreetLength1485

Finally moving my savings out of a regular checking account where it’s been earning basically nothing. Shortlist so far:

\*\*•\*\*	Capital One 360 Performance Savings    
\*\*•\*\*	Amex High Yield Savings    
\*\*•\*\*	SoFi

Mainly want to hear red flags and green flags from people who actually use these. Things like how long transfers take, whether customer service is a pain when something goes wrong, if the rate quietly drops a few months after you sign up, any hoops you have to jump through to keep the APY.

Also open to other suggestions if there’s something better I’m overlooking.

PS: I am a recent college graduate.

Finally moving my savings out of a regular checking account where it’s been earning basically nothing. Shortlist so far:

**•**	Capital One 360 Performance Savings  
**•**	Amex High Yield Savings  
**•**	SoFi

Mainly want to hear red flags and green flags from people who actually use these. Things like how long transfers take, whether customer service is a pain when something goes wrong, if the rate quietly drops a few months after you sign up, any hoops you have to jump through to keep the APY.

Also open to other suggestions if there’s something better I’m overlooking.

PS: I am a recent college graduate.