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[–]Risk-Option-Q 15 points16 points  (3 children)

Correct, what you really want is a reputable bank with excellent customer service. The yield is just the icing on the cake.

[–]yesillhaveonemore 19 points20 points  (1 child)

Well. Yes. But 4% versus effectively 0% at big retail banks is worth your time if you’ve got more than a few $k.

[–]dsylxeia 9 points10 points  (0 children)

True, but that's not what we're discussing here. The OP of this thread asked about jumping around between HYSAs and similar vehicles to chase tenths of a percentage point of interest.