Fintech cash accounts pay 4.5–5% via bank sweep networks — some offer $250 signup bonuses stacked on top.
Non-bank fintechs (Wealthfront Cash 5.00%, Betterment Cash Reserve 4.75%, Robinhood Gold Brokerage Cash 5.00%, SoFi Money 4.60%, Fidelity CMA 4.98%) partner with FDIC banks to offer checking-like accounts at top-of-market yield. Often include unlimited ATM refunds, no fees, direct deposit early access. Stack sign-up bonuses ($200–$300) with ongoing yield. Watch: introductory rates that revert (Robinhood Gold requires $5/mo membership). Track promotions monthly.
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Systematically open bank accounts with $200–$500 sign-up bonuses; typical churner earns $2K–$10K/yr.
4/8/13/17/26-week Treasury Bills yield 4.5–5.3%, exempt from state/local tax — beats HYSA in high-tax states by 30–70 bp.
Brokered CDs via Fidelity/Schwab/Vanguard aggregate FDIC-insured yields nationwide — often 30–100 bp above local banks.
Rotate cash across the top 3–5 HYSAs/MMFs every 3–6 months as promo rates change — pickup 30–150 bp/yr.
Buy a long-duration CD when rates are high, break early when rates fall — pay small EWP for large gain vs current rates.
Interactive Brokers margin (5.83%) or Schwab PAL beats HELOC (9%+) for short-term liquidity — no appraisal, funded same-day.
Structure ownership + banks correctly for $1.5M+ FDIC per person — single, joint, POD, revocable trust each get $250K.
Bring $250K–$1M assets to a big-bank private client tier — get 0.125–0.375% mortgage rate discount + closing credits.