The BEST High Yield Savings Accounts Of 2024 (GET THESE!)

[@DayanaPlays]

⏰LIMITED-TIME OFFERS: 💰SoFi Checking & Savings Account (Get up to $325): bit.ly/sofiaccount 🛍Rakuten (Get $30): www.rakuten.com/r/DAYANA3694?... ✅HYSA Checklist: dayanaplays.ck.page/hysachecklist

[@jackfrost99]

For those that don't know, DISCOVER is owned by CAPITAL ONE now.

[@LB-kr5ku]

Do you have a referral code for Marcus bank savings?

[@JasonAmir-qo4uo]

When choosing a high-yield savings account, I consider my needs and look for the best combo of interest rate, low fees, and easy access.

[@TheDuke792]

Same, and in addition to interest rate, low fees, and easy access, I also make sure to check for user-friendly mobile banking apps and reliable customer support, including 24/7 phone and online chat options, to ensure a seamless banking experience.

[@OwenFlex]

For me, easy access means being able to quickly transfer my own money via mobile, online or in-person banking, so I can manage my finances effortlessly and on my own terms.

[@GibsonJames-gr3on]

I prioritize low fees because I want to maximize my savings without unnecessary charges eating into my hard-earned money.

[@ThomasColt]

My financial advisor takes the time to understand my unique financial goals and situation, and then expertly guides me in selecting a high-yield savings account with low fees, personalized to my needs, so I can maximize my earnings and reach my goals faster.

[@SeanJohns-ze8ie]

A personalized approach to managing your finances allows for tailored strategies that address your unique goals, risk tolerance, and circumstances, leading to more effective and efficient financial planning.

[@pughater999]

1:17 Jenius 2:22 wealthfront 4:19 capital one 6:14 sofi 9:22 discover 11:17 ally 12:50 Marcus 13:56 American express

[@humanbeing5396]

Not all heroes wear capes

[@petty25]

i've been watching a lot of these kind of videos and this has definitely been the best and most hopeful so far, thanks girlie ❤️

[@DayanaPlays]

Yay! I'm glad it was helpful! ❤️

[@LeoSandovalOficial]

Thank you! love this videos 🌸

[@DayanaPlays]

Glad you like them! 💜

[@benjamindavidson22]

I’ve been diligently working, saving and contributing towards financial freedom and early retirement, but the economy so far since the pandemic has eaten away most of my portfolio, what I want to know is this: Do I keep contributing to my portfolio in these unstable markets or do I look into alternative sectors.

[@emiliabucks33]

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

[@Johnlarry12]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@monicawill5]

I’ve been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@Johnlarry12]

Finding financial advisors like Carol Vivian Constable who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@monicawill5]

Thanks for sharing, I just liquidated some of my funds to invest in the stock market, I will need every help I can get.

[@cannotbeshaken7889]

So, for Marcus Goldman. How do you deposit checks? Can you do it on a laptop or desktop?

[@Prodigious1One]

I've had Ally for 11 years. They're good, but now I'm considering the banks with higher interest rates.

[@DayanaPlays]

That's loyalty haha! Which ones are you considering?

[@Prodigious1One]

@@DayanaPlays UFB Direct and Everbank. Forbright looks good, but they don't open checking accounts online.

[@MzJones721]

I have chime, and im thinking of switching to sofi. Should i close the chime account or keep it and have both? Im also looking into capital one because some of my clients pay cash ans it looks like capital is easier to deposit cash

[@DayanaPlays]

Hey, it depends on what you need from each account. For example, I use SoFi for their HYSA, Capital One for both a HYSA and checking account, and Discover’s checking account for my rental properties. So I suggest comparing different banks and accounts to see which ones meet your needs best.

[@rachelbromberg]

hey! i was interested in SoFi and can deposit $5k upon opening. does that mean i could still get the sign on cash bonus or do i need to have a paycheck deposited in? i would be transferring from my current bank to open this account - this was my favorite besides what i just learned in this video and want to open it if i qualify for the sign on cash bonus

[@DayanaPlays]

Hey Rachel, to get the signup bonus, you need to set up direct deposit. Here’s how it works: - Direct deposits between $1,000.00 and $4,999.99 will earn you a $50 bonus. - Direct deposits of $5,000.00 or more will earn you a $300 bonus. Qualifying direct deposits include payments from your employer, payroll, or benefits provider via ACH deposit. Deposits that do not qualify include check deposits, P2P transfers like PayPal or Venmo, merchant transactions from services like Stripe or Square, and bank ACH transfers that are not from employers. You can learn more about the requirements here: support.sofi.com/hc/en-us/articles/6502391083789--300-Direct-Deposit-Welcome-Offer Hope that helps! 💜

[@gaalxystar1873]

Since it's 2024 should I get a savings account one? I wish I researched better...

[@LeoSandovalOficial]

You know what we need! we need a video to teach us in how to keep our credit cards active so they dont get close!

[@DayanaPlays]

Great idea! One super easy way is by using it every few months, like idk 2-3 months on small purchases. It could be something as simple as a coffee.

[@AngieMBlanco]

So much good info in this video! I also love my SoFi account. Capital One is good too, but SoFi is easily my favorite. Thanks for another banger!! You're the best 😄

[@DayanaPlays]

Twinsies! I appreciate your never ending luvvvv, hehe! 👯‍♀💜

[@conniekelly-hl5qr]

I am thinking about Wealth Front, Thank you for the information.

[@Angie0907]

I love Marcus, but I have been thinking About using SoFi. Do you HAVE to set up and use their checkings account or can I use the app just for the HYSA like I do with Marcus?

[@DayanaPlays]

Hey, so when you signup for the SoFi bank account you'll get both a checking and savings account. You don't have to use the checking side if you don't want to but it'll be there if you need it.

[@cannotbeshaken7889]

What I found when looking up SoFi is, In order to get the 4.60% at SoFi, you have to sign up for direct deposit. That monthly direct deposit can be any amount. Even as little as one dollar if you want. And if you don't sign up for direct deposit, then you have to deposit at least 5k every 30 days, on your own.

[@aecet9652]

Thank youuuu

[@DayanaPlays]

You're welcomeeee! 💜

[@hurtem44]

Why did you move your money out of Wealthfront?

[@DayanaPlays]

To take advantage of SoFi's sign up bonus.

[@BRZY24]

Question does it matter to have different savings accounts with the same bank or different banks?

[@DayanaPlays]

Hey, not really. You can have accounts at different banks. For example I have accounts with SoFi, Discover, Capital One, and Wealthfront.

[@mikecruz5714]

You also forgot to mention that capital one doesn't have foreign transaction fees, which is a clutch if you travel a lot, and the exchange rate is good 😏

[@DayanaPlays]

Great point! 😎 I didn't include that information for any of the debit cards because I assumed most people would use a credit card with no foreign transaction fees when traveling.

[@mikecruz5714]

@DayanaPlays that is true but not too many use credit cards and aren't aware of the benefits they offer but that's another topic

[@Taldanmus]

@@DayanaPlays Enjoyed this presentation...just FYI, I use a mix of credit and debit when I travel abroad, and no foreign transaction fees are import criteria when I choose any cards

[@IsaiahMartinez-w9s]

Amazing video!! You just go a new subscriber ❤

[@DayanaPlays]

Aw, thank you so much! ❤️

[@abrahambarrantes465]

What if you just want to have a savings and checking with SoFi. Would you still qualify for the 4.60% APY? Or is it required to have the direct deposit?

[@DayanaPlays]

To qualify for the higher rate of 4.60%, you need to set up a direct deposit of at least $1 per month. Another way to qualify is by receiving $5,000 in deposits per month (which is a bit much). For most people, a $1 monthly direct deposit is simpler.

[@dshaunosidavis4504]

Super helpful!

[@DayanaPlays]

Yay! I'm glad it was! 💛

[@novousabbott4926]

CIT Bank has 5.11% APY when you deposit or hold a balance at least $1,000.

[@DayanaPlays]

Hey, thanks for sharing. I actually mentioned CIT's Platinum Savings account in another video. Their rates are great, but to get their higher rate of 5.00%, you need to keep a balance of $5,000 or more. If your balance is below $5,000, you only earn 0.25% APY. 🫠

[@novousabbott4926]

@@DayanaPlays oh no! I didn't know they changed their balance limit for the rate. Thanks for the update!

[@Big_Hunter_08]

Garbage 🗑️

[@RobertWAckley]

Interesting and informative, came in handy. Thanks for the video, keep it up!

[@HowToCredit]

Awesome video Dayana, super informative 🙏🏼

[@DayanaPlays]

Thank you! Glad you liked it! 😊

[@houli09]

SoFi!

[@DayanaPlays]

🔥

[@Jason_The_Man]

Another great and timely video. Thanks for sharing!

[@DayanaPlays]

You’re welcome Jason! Thanks for always tuning in! 😎

[@banzaiburger]

What are your thoughts on Western Alliance Bank?

[@DayanaPlays]

I've never looked into it. Is it any good?

[@Ehtizan-Editor-001]

Hey Dayana, I just watched your video and I must say that it was really informative and well-made. I was wondering if I could help you edit your videos and repurpose your long videos into highly engaging shorts? I can also make high CTR thumbnails for your channel

[@DayanaPlays]

Thanks, send me some of your work.

[@dynamicdivinereadings6520]

Thank you .great info ❤❤❤🎉❤❤❤

[@DayanaPlays]

No, thank you for watching and taking the time to leave some feedback! ❤️

[@shanesmith6941]

Hey credit card queen! I have followed you for a little while. Answer me a question please. Mt 22 yr old stepdaughter needs to apply for her first credit card. I have had her as an authorized user on 3 different cards of mine for about 4 months. Her first job is a county employee for about 3 months at $19 per hour. I was thinking Capital One as she has a checking and savings account with them already. My second choice would be Amex blue. She is authorized user on both of these. Suggestions?

[@DayanaPlays]

Hey Shane, thanks for being part of the channel! 💜 What's your stepdaughters credit score and length of credit history?

[@treylewis4260]

Is their any savings accounts that pay out monthly?

[@Prodigious1One]

I think that they all pay monthly.

[@DayanaPlays]

All the ones mentioned in the video payout monthly.

[@superninja6481]

Thanks so much for sharing, this is so helpful! ❤ Question about SoFi or any HYSA account that requires direct deposit for a high interest rate - In case of layoffs given how common they are in the current job market, if we're unable to land a job before unemployment payments run out, then would the interest rate of the HYSA automatically go down to the lower one since this would mean we would no longer have direct deposits? I really like SoFi (for the high rate, vaults feature, and sign-up bonus), except I'm concerned about this very real possibility. It seems very risky to go with SoFi when the high interest rate is dependent on secure employment in an unstable job market. For situations like this, would you recommend opting for a HYSA provider that doesn't have this direct deposit limitation? And if so, which alternatives would be the next best options? Thank you! 😊

[@DayanaPlays]

Hey, I’m glad you found the video helpful. Great question! Yes, if your direct deposits stop, your interest rate will drop to the lower rate. SoFi’s minimum direct deposit to qualify for their higher rate is only $1, but I understand that losing a job means no deposits. 😅 If you’re worried about this, I recommend looking into other high-yield savings accounts. Some of my favorites are Capital One 360 Savings, Wealthfront Cash Account, and Discover’s Savings Account. However, keep in mind that not all of them offer signup bonuses or features like “vaults.” Hope that helps! 💜

[@josephmgomez3921]

I have Wealthfront

[@DayanaPlays]

Great choice! How long have you had your WF cash account?

[@josephmgomez3921]

@@DayanaPlays 4 months

[@britzlem]

I want to join SoFi but unfortunately, I don't have 5k to deposit each month ):

[@DayanaPlays]

Hey, that's only an alternative option for those who can't set-up a direct deposit of atleast $1.

[@britzlem]

@@DayanaPlays oh okay! from my understanding, you had to deposit at least 5k monthly to keep that rate. thank you!! (:

[@orangedrone]

Money, what's that?

[@DayanaPlays]

🤔 The answer to many headaches. 😂

[@mrprime557]

Thing that i give ur mom after doing her lol

[@kevinovic9235]

I’m proud that the 2 savings accounts I have, are in this video

[@DayanaPlays]

Love that! 😎💜

[@caribdude8151]

Happy 5/24 Day! 😊

[@DayanaPlays]

🙋🏽‍♀️

[@dral22]

Dayana will never leave Sofi, no matter what. It's her secret boo.

[@DayanaPlays]

Never say never! 😂

[@214sims]

I need the 1 bank to hurry and get a mobile app.😩

[@DayanaPlays]

If you mean Jenius, their app is now available on the App Store and Google Play.😊

[@214sims]

@@DayanaPlaysthank you for this insight.🥰

[@CertifiedTechDealer]

@@DayanaPlaysI just opened a Jenius account moments ago, compliments of this video 👍🏾

[@IonicTechYT]

Betterment and Public has at least 5% last time I checked.

[@Jay-vt2so]

Dayana! 😊😎💯🎉

[@DayanaPlays]

Jay! 😎

[@miketorres-ponce7808]

Why stop using wealthfront?

[@JimmyGotVlogz]

❤❤❤

[@DayanaPlays]

Thank you so much for the love J! 😎💜

[@CatLover-g7j]

PNC....

[@1maine24]

Are you single lol.

[@SteelReserved]

Anyone had wealthfront for a long time? Any problems transferring or withdrawing money from your wealthfront account to your bank? Like any issues getting your money? Lmk pls and thank you

[@ZERVVREZ]

Credit karma has 5.1 apy

[@DayanaPlays]

Nice, thanks for sharing! 🔥

[@Big_Hunter_08]

That was a recent change from 4.1. I think other banks will start adjusting up as well. I hope so because I can't stand credit karma!

[@ZERVVREZ]

@@Big_Hunter_08 why not? I haven't had any issues with them

[@ZERVVREZ]

@@Big_Hunter_08 why is that?

[@yodb4l502]

Buy BTC.

[@DayanaPlays]

🤔

[@albert1137]

a merrill Lynch account at boa is very good

[@darkshadows6121]

Compound interest daily

[@DayanaPlays]

🥳

[@shermanmiller3203]

I have Capital One and Marcus by Goldman Sachs

[@brandonhousel266]

How do you like the C1 HYSA? I have one of the cards so wondered if I should stick with them for a HYSA.

[@shermanmiller3203]

@@brandonhousel266 Yes I have the most of my savings in Capital One and I also have Marcus (4.40%), C1 (4.25)

[@liaraslikes2812]

is it worth getting a Sofi high yield savings account if I don't have direct deposit?

[@DayanaPlays]

Hey, no it's not because you wont earn the highest APY.