Finally opened a high yield savings account. My big bank savings (where I also have checking and credit card) is 0.01% interest. I have. Vanguard IRA(401k rollover from years ago) so I decided on the Vanguard Cash Plus account. FDIC insured. No min balance or transfer amount. 3.9% interest. Started it with $100. Decided I’m going to keep several grand in my big bank savings account, connected to checking, for easy access in an emergency. The cash plus account will take a couple of days to transfer into my regular checking.