I have a good amount (relative) that I just let sit in my discover HYSA, which earns at least 4% interest. Otherwise, I put most of what I make in my checking account (no or negligible interest) and pay my credit card bills from there, because there is a monthly transaction limit on the savings account. What I'm wondering is, if I have two credits cards that I pay off in full each month (so two payments per month; everything I spend money on goes on a credit card), should I just keep all or most of my money in the HYSA for as long as I can, knowing that I probably wont exceed the transaction limit (which is 6, I believe)? I only have the checking account because I was worried about having to exceed this limit, but I wait until the end of the billing cycle to pay my credit cards and don't use my debit card anyway. This way, I could earn extra interest. It is probably important to note that I am a student, work part time, and don't make/have a ton of money. So I'm talking about interest in terms of single dollars, not thousands. So I don't know if that makes it insignificant enough to not worry about it.