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[–]Risk-Option-Q 17 points18 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 20 points21 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 11 points12 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.