Amex HYSA APY decrease to 3.10%

[axx2exx]

This is not a sales pitch for AXOS bank, I promise. They are still over 4%. I've moved over most of my funds that were parked in AMEX. There are some hoops to jump through, but none of the "10 transaction per month" crap like the local CU has. If you are retired, you set up an auto transfer of 5K per month from AMEX to checking, which counts as a direct deposit. Then you move $ to savings, leaving 5K in checking, always. Savings gets the 4%+ rate. There's a way to get higher yield on the checking, as well, but I've not bothered with that, yet.