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    High-Yield Savings

    Stop earning 0.01%.

    Why move

    • Big banks pay 0.01%.
    • Online banks pay 4-5%.
    • $10k earns $400-$500/yr.
    • vs $1 at big bank.
    • FDIC-insured same.
    • Free money.

    Best banks (2026)

    • Marcus by Goldman Sachs.
    • Ally Bank.
    • Discover Bank.
    • Capital One 360.
    • Synchrony Bank.
    • Free, FDIC, online only.

    Setup

    • Apply online — 15 min.
    • Verify identity.
    • Link existing checking.
    • Transfer money — 1-3 days.
    • Earn from day one.
    • Senior simple.

    Keep checking elsewhere

    • Use big bank for daily.
    • Online for emergency fund.
    • Move when needed.
    • 1-3 days transfer.
    • Best of both.
    • Senior workflow.

    Treasury Direct (5%+)

    • TreasuryDirect.gov.
    • I-Bonds + T-Bills.
    • Often higher yield.
    • Direct from US gov.
    • Senior safe.
    • Slightly more complex.

    CDs vs HYS

    • HYS — variable rate.
    • CD — locked rate.
    • If rates drop, CD wins.
    • If rates rise, HYS wins.
    • Mix both.
    • Senior diversify.

    Stop bleeding money

    If senior emergency fund earning 0.01% at big bank, moving to Marcus or Ally = $400+/year free money. Same FDIC protection. 15-minute online application. Senior simple. Don't leave $400/year on table. Move some today.