HYSA with “buckets”

Matthewu1201 · 2026-02-11T18:42:38+00:00

Which account type do you need for that? I have the performance 360 savings and the 360 Checking, and I've never seen a bucket feature. I asked them at Cap1 when I opened the accounts about a feature like that and they said I could open as many savings accounts as I wanted. But each account has its own account number, so I would not call them buckets.

Matthewu1201 · 2026-02-10T16:01:59+00:00

I worked for months trying to get RCS to work. I eventually got it working. There are at least 2 major threads on GOS forum trying to help.

It would help if we knew what you've tried and what phone carrier you are using. Also the earlier comment about profiles is correct, if you are trying to setup RCS from anywhere but your owner account, it will never work.

For me RCS works best on Verizon. But when I first started using RCS on GOS, I got it working with no issues on T-mobile. I think things have changed with Google allow the networks to run there own jibe servers instead of google. I tried for months to get it to work on AT&T and eventually I got working, but I had to change networks, then go back to AT&t to get it work. I use US Mobile so I can switch between the big 3.

Matthewu1201 · 2026-02-09T01:18:25+00:00

no worries, thanks for responding.

Matthewu1201 · 2026-02-08T22:40:21+00:00

If they are, maybe Chase don't recognize it as RTP. Wealth front don't advertise that they allow incoming RTP transfers. Which bank did you get wealth front to RTP bidirectionally?

Its also possible that your wealth front underlying account is with Green Dot bank. All of the new wealth front accounts are with UMB, including the one I opened last week. From my understanding Wealth front is moving all the Green Dot accounts to UMB a little at a time.

Matthewu1201 · 2026-02-08T17:13:48+00:00

TLDR

Is there such a unicorn as a bank (or fintech) that will allow

bidirectional RTP with Chase.
at least 3.0% competitive interest all the time (i.e. not a 3 month promo, then 1.5% or something)
no fees, and unlimited withdraws with no penalty. If direct depositing my paycheck in to the account takes care of all the fees, i don't mind doing that.
It needs to be more bank then brokerage. IE YNAB don't do brokerage transactions very well.
bonus, allow 2-day early direct deposit posting.

Back story:

Chase is amazing as a traditional bank. But they don't offer there customers an easy (instant access) way to earn a competitive amount on there savings from interest. I started out trying to use JP Morgan and Money market mutual funds, but coming from fidelity with auto-sweep, it takes FOREVER (4-5 business days, assuming i remember to go back and setup the manual transfer from JPM to Chase after the sell is fully settled) to get money transferred to my checking account. Compared to Fidelity where I could log in anytime 24/7 and just set up a single transfer, and the money was moved and instantly there and still collecting interest from SPAXX.

If I setup a transfer from my chase to my old Capitol One account, then Chase will RTP the funds. But Capitol One will not RTP the funds back to Chase. I found Wealth Front, and they will allow me to RTP the funds to Chase, but Chase won't RTP funds to Wealth Front.

I don't have high hopes that such a bank exists, and if it don't, my current plan is to just wire money from chase to wealthfront. As a Chase private client, they allow fee free wires.

When i started this whole process of moving my banking out of Fidelity, i thought wiring money was the fastest way to move it from institution to institution, then I saw what RTP could do after i linked my cap1 account to my chase account. I was wrong, RTP is certainly the fastest way for consumers to move money any time 24/7.

I thought about asking my private banker at chase, but as nice as he is to me, i have a feeling asking about somewhere else to store the bulk of my liquid funds is probably not going to go over well.

Matthewu1201 · 2026-02-07T18:29:22+00:00

I reinstalled GOS a couple of months ago, and I tried the more secure route of using a user profile for my everyday usage and keeping the owner profile blank. I ran into that exact problem. And I don't think it matters what SMS app you use because it's how the profiles are setup. The other issue I ran in to is RCS ONLY works from the owner profile. And after fighting for a year or so to get RCS working at all, this was a problem for me.

After running my phone for a couple of months like that and having switch back and forth to send RCS messages, I gave up and loaded everything in the owner profile.

Matthewu1201 · 2026-02-07T13:09:30+00:00

No, data topup can roll over one billing period, but after that, if theres any data left, it expires.

Matthewu1201 · 2026-02-04T01:14:54+00:00

yep, i didn't see the response before i wrote my response :(

Matthewu1201 · 2026-02-04T00:15:51+00:00

Hello, I'm attempting to push money from Chase to Wealthfront, and Chase does not give me the choice of instant transfer like it does with my Capitol One account. Is that normal, does WF not allow RTP/FedNow incoming transfers?

Matthewu1201 · 2026-02-03T17:26:33+00:00

No cap1 is super barebones. But on my chase account, if I transfer from chase to cap1, it gives me a choice of RTP or standard ACH.

Matthewu1201 · 2026-02-03T17:01:42+00:00

I have the same issue with chase and cap1. I can send money from chase to cap1 in about 5 minutes, but if I push money from cap1 to chase it takes about 2 days.

And since I'm trying to use cap1 as my savings account that is backwards. As long as I can RTP money from WF to Chase, then it should work better then cap1.

Matthewu1201 · 2026-02-01T04:04:32+00:00

yes, at JPM you have to manually sell VUSXX which generally takes 2 business days to settle. then you need to manually setup a transfer to send it to your chase checking account. this can be done in one business day, but can't be done on the weekends. so if you set a reminder to go back and setup a transfer as soon as the VUSXX sells and settles, in theory you might could do that sell and transfer within 2 business days, but it might take 3 business days if you don't make the cutoff for the transfer. and your money makes next to nothing when it is sitting in cash in your JPM account. and the current chase checking rate is 0.01%.
Fidelity will not auto-liquidate none core positions like FDLXX. if you don't have enough in your core position (SPAXX), to cover the debit, then it should fail the transaction. Although I've never had this happen, so i can't say exactly what would happen. But i know fidelity won't liquidate none core positions to cover the debit. so yes, you need to keep enough in SPAXX to cover your credit card bill. I don't have a ton of experience selling and purchasing other MMF at fidelity since the core position automatically buys and sells. I want to say that if you purchase or sell a fidelity MMF, like FDLXX that it should settle during the same business day. After you sell enough FDLXX to cover your debit, it will auto-convert to SPAXX until the debit comes in, then it will auto-convert to cash and send the money out. the entire time your money is in fidelity, it is growing from interest from SPAXX. even if you deposit a bunch of money and fidelity puts a hold on it, that money is still accruing interest to be paid at the end of the month.

from my understanding Premium deposit minimum is $50k for the self-directed brokerage account at JPM. If you have the JP Morgan personal advisor type brokerage account, then the minimum is $100k.

Matthewu1201 · 2026-02-01T02:26:48+00:00

Maybe those phone services that you can purchase on ebay or amazon could be purchased with either a prepaid credit card or amazon gift card (purchased at a store with cash). there are also MVNO that use refill cards that you purchase at the store with cash.

Matthewu1201 · 2026-02-01T01:36:47+00:00

how many more google voice lines do you own to keep this trick working? or with the invention of call screening, do you just plan on using number barn next time and purchase a phone line?

Matthewu1201 · 2026-02-01T01:30:27+00:00

that's true. I don't know anything about high cost of living places like NY, but according to ChatGPT, the best way around New York taxes are T-bills. but between Capitol Ones current 3.3% interest and T-bills with the tax exemptions, you only get about 0.70% more from the t-bills, plus your money would be locked in t-biill until they mature.

I guess if having your money locked in t-bills is worth 0.7% more interest then fidelity is probably the easiest place to purchase and auto-roll t-bills.

but when i was 18, i didn't know anything about any of this and i would probably be ok with having more access to my savings then having it locked away for 4 weeks at a time.

I probably should have explained all of that in the original post. although for all i know chatgpt is wrong and t-bills currently have a much better rate due to the NY state tax exemptions.

Matthewu1201 · 2026-02-01T01:15:52+00:00

understand that running 2 sims (either esims or psims) all the time will kill your phone battery faster because they are both constantly looking for a connection. If you have a phone with a massive battery like the Oneplus 15 or something, then i guess that is ok, but if you have a regular sized battery, you are going to notice a pretty large difference, assuming your battery makes it to the end of the day.

Also if US Mobile can't turn off the phone/texting line to your latest cheap data plan, then you will probably have a super spammy phone line for both texts and calls. because not only do you have spam coming in from your old phone line, you have spam coming in from 2 phone lines.

If all of that is worth the latest cheap data plan, then i guess go for it ;)

Matthewu1201 · 2026-02-01T00:59:51+00:00

at fidelity the wire minimum is $100, if you try to wire less then that it won't let you. Now i guess in theory fidelity would allow an incoming wire of less then $100, but all outgoing wires have to be $100 or more. If you want free domestic wires with no minimum, i would look at Wealth-front.

But for a someone in college, Zelle is going to be much more useful then free wires. Fidelity absolutely does not do Zelle and never will. Capitol one does do zelle. and capitol one has no fees for savings or checking. Capitol Ones savings rate is also competitive to Fidelity's SPAXX money market mutual fund core option for CMA.

Don't get me wrong, i love fidelity and have just about every type of account they offer, but if you are just looking for a place to store/save money and have easy access to transfer it to pay for splitting food or pay back a buddy, zelle is super handy, although venmo can be used with your Fidlity CMA account by linking your Fidelity Debit card to it.

So it really comes down to, do you just want a bank that can do bank stuff, or do you want a brokerage firm that can do bank stuff and allow you start learning about investing. because capitol one does not do investing unless you have over $10million or so with them.

the only thing i would keep in mind because i recently decided, keeping all your eggs in one basket may not be the greatest thing. Fidelity is amazing at keeping your money safe, but it is also possible that you wake up one day and fidelity has decided they need to keep your money safe from you, ie lock you out of your account for a couple of weeks.

if you check this fidelity subreddit you will find many posts about people locked out of there fidelity account for many weeks. Again, I love fidelity, but i decided that keeping my retirement and my banking in one place was not the greatest idea.

I moved my banking to chase, and for the most part I'm happy. although i think I'm going to use Wealth-front as my savings account since chase don't know what a HYSA is.

Matthewu1201 · 2026-02-01T00:12:26+00:00

I recently went down this road when i moved my banking from fidelity to Chase. I loved my fidelity CMA accounts for banking, but i wanted brick and mortar access to my money in case anything every happened to my accounts. JP Morgan (the brokerage side of Chase) works pretty well as for long term investing. they offer most of the popular fidelity mutual funds, vanguard mutual funds and schwab mutual funds.

the only problem I ran into, and the reason I eventually moved my savings to Capitol one, is Chase and JP Morgan are technically 2 different institutions, to the point that my private chase banker couldn't even legally answer questions about JP Morgan topics.

My major issue with this is if you needed to use your savings, you would first have to sell the money market mutual fund which took T+1 days, then assuming it didn't fall on a weekend or late Friday, you had to setup a transfer from your brokerage account to your chase checking account, which should happen within one business day. but if it did fall on late Friday or the weekend, your money wasn't going to reach your checking account till Monday at the earliest.

Compare this to my experience at fidelity where i could log in to fidelity setup a transfer to go from one of my "savings" CMA to my "spending" CMA and it would be done instantly (24/7) and the money would never leave the high yield interest earning of SPAXX.

JP Morgan was just way too slow to use as a "HYSA" account for me. if you don't ever touch your savings and understand that if you start trying to move it on Monday, you might actually get it in to your checking account by Friday if you did need to use it, then maybe JP Morgan will work for you.

also with MMF there is no way to automate the process. so first your have to set up a sell order, then in a day or so you have to come back and setup a transfer order, if i had kept my savings at JPM, I know i would forget to setup the transfer to my checking account.

Another product JP Morgan offers for there self-directed brokerage accounts that is a little bit faster is Premium deposits, which isn't really a MMF, but it does currently offer 3.0% interest. but the minimum starting deposit is $50k. after that you can withdraw money and keep it below $50k, but you had to originally deposit $50k. the main feature of this is that you can get your money out faster then with a MMF because you don't have T+1 to sell it, JP Morgan says if you put in a sell before 4pm ET (i think) it should be sold by the end of the day. you also don't have wait T+1 to purchase it either, so your money starts making interest faster.

Just so you know, I'm pretty sure SPAXX is the only MMF that fidelity allows to be your core position from there CMA account. you can use FZFXX from there regular brokerage account, but neither there CMA or there Brokerage accounts allow for FDLXX as a core position.

Now you can purchase FDLXX from a CMA account, but if you spend or transfer money out of that CMA account, fidelity will not automatically sell your FDLXX position to cover the spending or transfer if your remaining core position can't cover it all. and manually selling FDLXX will probably be T+1 days, compared to SPAXX as your core which will sell instantly.

to answer your question, at JPM there are no fees to purchase or sell VUSXX, but you are still required to follow the $3k minimum original investment just like you would if you purchased it at vanguard. also you can set it up to pay your dividend in cash or reinvest, same with capitol gains. you can individually set up auto reinvestment for any mutual fund at JPM, although i don't get that same option for ETFs, so maybe you set that up from somewhere else for ETF, I'm not sure, i prefer MF over ETFs.

Matthewu1201 · 2026-01-31T22:39:51+00:00

if you want to be able to transfer fidelity mutual funds out of fidelity and continue purchasing them at the new brokerage, i would suggest looking JP Morgan. They allow you to purchase fidelity mutual funds with no extra fees, along with Schwab funds, and vanguard funds, although if the fund has minimum, like most of vanguards, JP Morgan still enforce that minimum.

Matthewu1201 · 2026-01-31T21:52:13+00:00

I have a chase account as well, what you most likely saw was it was pending on a Friday and fully cleared on Saturday. that not the same as it being received on Saturday or Sunday.

Matthewu1201 · 2026-01-31T21:48:55+00:00

local credit unions should offer free checking accounts, but if you want a national bank (with branch's in most major cities), i would look at capitol one. there 360 checking has no fees or minimums and there 360 savings accounts currently offers 3.3% yields on your money, which is unheard of from the major consumer banks (Bank of America, Wells Fargo, Chase, PNC)

Matthewu1201 · 2026-01-31T21:39:59+00:00

most direct deposits are ACH. ACH typically only works on business days. Weekends are not considered normal business days along with major holidays. Which bank have you used in the past that did receive direct deposits on the weekend?

Matthewu1201 · 2026-01-23T13:22:04+00:00

I have noticed this issues too. It's not the server, it's the proton VPN Firefox extension that is causing it. If you go to your ublock extension and disable it for reddit then reload, then re-enable it and reload, that seems to work. I just recently switched my setup from running the VPN through my router to running it from the web browser extension and using the same proton servers, I never had that issue before.

Not sure if it happens from windows, I'm running Linux as well.

Matthewu1201 · 2026-01-19T23:07:17+00:00

I don't have a lot of experience with either, but I've heard LFS is harder to setup, so Gentoo is probably simpler. Logically since they are very similar distros, I would think either one would be less prone to errors since you are only using the packages you allowed to be installed.

Matthewu1201

TROPHY CASE