Best savings rates

[ChessieMom]

Originally Posted by mathjak107

We rarely use banks at all except for clearing checks ...we do everything through our fidelity core where all bills are paid from..

Well we do keep a month or two in expenses at chase locally and we are glad we did ..

Fidelity has their own hacker team and they found my wife’s account info on the dark web ...

So we were shut down and it took 10 days from start to finish to get all new accounts , new cards ,checks ,etc .. it happened on a Friday night so it took until Monday just to start the process .

So we were glad we had money local .. we also lost the ability 2x to gain access to our money via the internet or atms here in nyc .. once on 9-11 and once for a few days after sandy , so having accessible money can be important

Yikes. I guess that is one reason I have kept the bulk of my savings (not retirement funds, and it's not a huge savings account) in my local credit union.

[mathjak107]

The interesting part is my wife never logs in , I do all the time under my own info but not her ..

[Petunia 100]

Originally Posted by lottamoxie

I used Redneck Bank to park some money years ago when rates were in the 4+% range. It was easy to get the monies in and back out, no muss, no fuss. I haven't used them recently, but my experience at the time was positive. They have a clever brand; that horse always cracks me up.

I know, right? I cannot stop giggling.

[ReggieReq]

For the bulk of my cash, I buy short-term T-bills at auction, and ladder them. My broker lets me participate in the auctions without fee. And if I choose to liquidate a T-bill early, there too, is no broker fee.