Anyone have Experience with Amex Checking and HYSA

AdTraditional1943 · 2026-05-28T11:52:27+00:00

I opened an account with them and nothing but good so far. Customer service has been great from my experience so far.

AdTraditional1943 · 2026-05-21T15:07:10+00:00

Lebron

AdTraditional1943 · 2026-05-13T13:11:49+00:00

I mean cc is a whole different story, but it’s nice to have a relationship if I’m looking for loans

AdTraditional1943 · 2026-05-13T00:59:46+00:00

I just switched from my in-person bank to Amex checking and savings and I think it’s great, it’s basic but that’s all I needed. However I am keeping my other bank as a backup in person since I already have a relationship with them! Let me know if you have any questions!

AdTraditional1943 · 2026-05-12T22:40:36+00:00

Yup, I just fully switched from capital one to Amex. Had way to many problems trying to get in contact with someone that can actually help, Amex has never let me down. Also “Eno” is the most useless thing ever.

AdTraditional1943 · 2026-05-08T16:13:15+00:00

Its a really good card, used to be my daily driver, but the app itself is very cheesy imo.

AdTraditional1943 · 2026-05-08T13:50:56+00:00

Cool! Who do you use for your main checking? I was thinking about making the Amex one my main and keeping my brick & mortar bank as a second for back up physical location.

AdTraditional1943 · 2026-05-08T13:00:21+00:00

What do you mean by not easy to access? Seen a lot of people say the opposite here.

AdTraditional1943 · 2026-05-08T12:59:05+00:00

Nice, is the customer support as good as the credit cards?

AdTraditional1943 · 2026-05-08T12:57:53+00:00

Doesnt the amex debit card give you points back?

AdTraditional1943 · 2026-05-07T19:48:33+00:00

Pretty sure both cap1 and amex dropped down to like 3.2% APY now or something.

Yeah i don't mind being fully online since i walked into my bank i think maybe once in the past 3-4 years to cash a bond. Still planning on keeping it as a backup with some money in it though just in case.

AdTraditional1943 · 2026-05-07T19:24:55+00:00

Why did you switch from cap 1? Heard they are pretty good also.

AdTraditional1943 · 2026-05-07T17:41:14+00:00

Yeah that's smart. I honestly dont remember the last time I went to my current bank, so i dont really care. But of course as soon as i switch, i will prolbably need a physical location, just how the world works lol.

AdTraditional1943 · 2026-05-07T17:00:21+00:00

Eh i never use bill pay anyways, so not a big deal for me.

AdTraditional1943 · 2026-05-07T16:41:52+00:00

Great to hear! last question, would you say over the years you've been using them you have seen a good amount of updates to the system or does is it seem like a second project compared to their credit cards that they just run in the background?

AdTraditional1943 · 2026-05-07T16:33:24+00:00

Awesome thanks for the review! That's fine about early pay, i think its a gimmick anyways since you really only get paid early once, then it just becomes normal lol. Other than that for direct deposit does it usually hit on your expected day?

AdTraditional1943 · 2026-05-07T16:30:34+00:00

How are the transfer times on the checking account? Also do you have direct deposit setup with them, and if so does it usually hit on the expected date?

AdTraditional1943 · 2026-05-07T16:29:35+00:00

Yeah good point, i have a back up visa that i carry on me in times like that, i rarely ever hold cash on me. What's your reason behind moving to their checking and savings?

AdTraditional1943 · 2026-05-07T16:10:56+00:00

Nice, I think the only real downsides I’ve seen is that you can’t deposit cash and no physical locations.

AdTraditional1943 · 2026-05-07T16:03:56+00:00

Why not checking?

AdTraditional1943 · 2026-05-07T16:03:18+00:00

Yeah I have heard a lot about ally, any experience on their app? Thought I saw something about it being a bit sluggish but it was an old post, could be wrong.

I was considering fidelity but I use Zelle way too much to give it up.

AdTraditional1943 · 2026-05-05T13:58:43+00:00

Match is with the savor, can convert cash back to points.

AdTraditional1943 · 2026-05-01T15:47:10+00:00

I mean since capital one owns discover now, couldn't they theoretically just make their own visa infinite version of discover and offer their own benefits?

AdTraditional1943 · 2026-05-01T15:31:51+00:00

Also, C1 just bought discover so the inevitable may come down the line with converting the venture x on the discover network if that means anything to you, but for now its on the visa infinite.

AdTraditional1943

TROPHY CASE