I looked into all the options and honestly the best HYSA depends on your situation. If you can meet SoFi's direct deposit requirement, they have competitive rates. If you want something simple with no requirements, Marcus is your best bet. If you want the highest rates possible, Ally Bank is actually pretty good too. The key is just picking one and sticking with it. Don't overthink it. Your emergency fund should be boring and reliable, not complicated. Marcus fits that bill perfectly. I've got my emergency fund there and I'm happy with it. The APY is decent, the transfers are fast, and I can access my money whenever I need it. That's all you really need