BofA Rewards Subscription Credits: Eligible Select Streaming and News Services (As of May 2026)

Posted on May 28, 2026 // 1 Comment

Bank of America’s “Preferred Rewards” program officially switched over to the “BofA Rewards” program as of May 27, 2026, although most existing members will be grandfathered into their current tier for up to 11 more months or so. One of the list of program changes was the promised addition of “Subscription credits – Get up to $180 annually in credits for streaming services you use most”. Here’s what the fine print said:

BofA Rewards™ Subscription Credits. In order to be eligible for the subscription credit benefit, you must:
(1) Be enrolled in the BofA Rewards program’s Preferred Honors or Premier tiers.

(2) Agree to the full terms of the subscription credit benefit from the subscription credit benefit page within BofA Rewards.

(3) Make payments directly to eligible merchants using your Bank of America debit card linked to a checking account that you designate via the subscription credit benefit page.

Preferred Honors tier members may receive statement credits up to $8 per month, and Premier tier members may receive up to $15 per month. Eligible merchants are subject to change without notice. Currently eligible merchants can be found on the subscription credit benefit page.

I could not find a public “subscription credit benefit page”, and it looks like it’s only visible for actual members. I am still on the new “Premier” tier, which is their highest current tier. I logged into my BofA account and navigated to the “Rewards & Deals” tab and then “BofA Rewards”.

After that, I scrolled down to “Feature Benefits” to the subscription benefit details. I can only assume that they are same for everyone, but this is what I have:

Here are the current merchants along with their regular monthly prices, as the credits can only be earned in monthly increments:

  • Paramount+: $8.99/month for the ad-supported Essential tier and $13.99/month for the ad-free Premium tier (which includes Showtime).
  • SiriusXM: $11.99/month for the App-Only All Access plan, while an Car+App All Access plan normally lists for $25.99/month.
  • Wall Street Journal: Digital access is $11.25/week, but the first year is $8 every 4 weeks right now.
  • The Economist: Digital access is $29 every 4 weeks.

I’m rather disappointed with the limited selection. Personally, I don’t pay for Paramount+ right now so I might get it for “free” with this offer, but I doubt I’ll use it very much. WSJ is probably the service I use the most but I already have access via alternative means, and it doesn’t even cover the entire cost anyway. I hope BofA changes up the options regularly. Netflix would have been nice.

Filed Under: Banking, Deals & Offers //

CIT Bank Platinum Savings APY Boost Promo: 6-Months at 4.10% APY (New and Existing Customers)

Posted on May 18, 2026 // 19 Comments

(Update: The end date for this offer has been extended to 6/30/26.)

CIT Bank has a new limited-time Platinum Savings APY Boost Promotion, offering a boosted interest rate of 4.10% APY for 6 months on their Platinum Saving account that is 0.35% APY above the standard APY (currently 3.75% APY) for balances of $5,000 and above. Thankfully, this offer is available to both new and existing customers that activate the promotion.

New customers will need to sign up for a new CIT Bank Platinum Savings account using the promo code CITBoost to qualify. There is a $100 minimum balance required to open, and you will need a $5,000 minimum balance to get the higher interest rate on this tiered account. There are no monthly service fees.

Existing customers with a Platinum Savings account opened prior to the promotion must enroll via the enrollment web page using promo code CITBoost. You will not get the 6-month boost automatically. Note that the terms also add the following:

Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:

– They are earning an APY over the standard rate.
– They participated in a cash bonus promotion in the past 6 months.

Still, I am appreciative that existing customers are again eligible for this promotion, as most other banks will only allow new customers to participate.

Note that if the base rate on the Platinum Savings account changes, during the promo you will maintain a 0.35% APY interest rate boost above the standard interest rate.

1APY disclosure for Platinum Savings:

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of day account balance. *APYs — Annual Percentage Yields are accurate as of February 17, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

2 Discloser on multipliers:

Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.

* Platinum Savings APY Boost Promotion Terms and Conditions

This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.

Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.

The Promotion begins on February 13, 2026, and ends June 30, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.

The promotion can end at any time without notice.

For complete list of account details and fees, see the CIT Bank Personal Account disclosures.

Filed Under: Banking, Deals & Offers //

Best Interest Rates on “Cash”: Bank Accounts, Treasury Bills, Money Markets, ETFs – May 2026

Posted on May 14, 2026 // 1 Comment

Here’s my monthly survey of the best interest rates on cash as of May 2026, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earn more interest while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. Check out my Ultimate Rate-Chaser Calculator to see how much extra interest you could earn from switching. Rates listed are available to everyone nationwide. Rates checked as of 5/14/26.

TL;DR: Savings account interest rates dropped slightly overall. You can get 4.4% APY if you accept certain hoops/restrictions, but most are under 4% now. Short-term T-Bill rates ~3.7%. Top 5-year CD rates are ~4.1% APY, while the 5-year Treasury rate is also ~4.1%.

High-yield savings accounts*
Since the huge megabanks still pay essentially zero interest, everyone should at least have a separate, no-fee online savings account to piggy-back onto your existing checking account. The interest rates on savings accounts can drop at any time, so I list the top rates as well as competitive rates from banks with a history of competitive rates and solid user experience. Some banks will bait you with a temporary top rate and then lower the rates in the hopes that you are too lazy to leave.

  • The top saving rate at the moment: Pibank at 4.40% APY (no min), but they have some weird restrictions; you can only use wire/Plaid to deposit and wire transfers to withdraw funds?! CineFi (no min) is at 4.34% APY, a division of Southern Bancorp Bank. OnPath FCU held at 4.25% APY with $25,000 minimum balance. CIT Platinum Savings held at 3.75% APY with $5,000+ balance, with a new 4.10% APY for 6 months Boost promotion; open your account by 5/31. There are many banks in between.
  • SoFi Bank is at 3.30% APY (new customers can get up to 4.00% APY for 6 months + increased $425 bonus with qualifying direct deposit. You must maintain a direct deposit of any amount (even $1) each month for the higher ongoing APY. SoFi has historically competitive rates and full banking features.
  • Here is a limited survey of high-yield savings accounts. They aren’t the top rates, but a group that have historically kept it relatively competitive such that I like to track their history. This month they start at 3.10% APY on up.

Short-term guaranteed rates (1 year and under)
A common question is what to do with a big pile of cash that you’re waiting to deploy shortly (plan to buy a house soon, just sold your house, just sold your business, legal settlement, inheritance). My usual advice is to keep things simple and take your time. If not a savings account, then put it in a flexible short-term CD under the FDIC limits until you have a plan.

  • No Penalty CDs offer a fixed interest rate that can never go down, but you can still take out your money (once) without any fees if you want to use it elsewhere. Marcus has a 13-month No Penalty CD at 3.80% APY ($500 minimum deposit). Farmer’s Insurance FCU has a 9-month No Penalty CD at 4.00% APY ($1,000 minimum deposit). USALLIANCE Financial CU has a 11-month No Penalty CD at 3.90% APY ($500 minimum deposit). CIT Bank has a 11-month No Penalty CD at 3.75% APY ($1,000 minimum deposit).
  • E-Trade Bank has a 12-month CD at 4.10% APY (no minimum deposit). Early withdrawal penalty is 90 days of interest.
  • Farmer’s Insurance FCU has a 12-month CD at 4.00% APY with new money required. $1,000 minimum to open. Early withdrawal penalty is 90 days of interest.

Money market mutual funds
Many brokerage firms that pay out very little interest on their default cash sweep funds (and keep the difference for themselves). Note: Money market mutual funds are highly-regulated, but ultimately not FDIC-insured, so I would still stick with highly reputable firms.

  • Vanguard Federal Money Market Fund (VMFXX) is the default sweep option for Vanguard brokerage accounts, which has a 7-day SEC yield of 3.55% (changes daily, but also works out to a compound yield of 3.61%, which is better for comparing against APY). Odds are this is much higher than your own broker’s default cash sweep interest rate.
  • Vanguard Treasury Money Market Fund (VUSXX) is an alternative money market fund which you must manually purchase, but the interest will be mostly (100% for 2025 tax year) exempt from state and local income taxes because it comes from qualifying US government obligations. Current 7-day SEC yield of 3.61% (compound yield of 3.67%).

Treasury Bills and Ultra-short Treasury ETFs
Another option is to buy individual Treasury bills which come in a variety of maturities from 4-weeks to 52-weeks and are fully backed by the US government. You can also invest in ETFs that hold a rotating basket of short-term Treasury Bills for you, while charging a small management fee for doing so. T-bill interest is exempt from state and local income taxes, which can make a significant difference in your effective yield.

  • You can build your own T-Bill ladder at TreasuryDirect.gov or via a brokerage account with a bond desk like Vanguard and Fidelity. Here are the current Treasury Bill rates. As of 5/13/26, a new 4-week T-Bill had the equivalent of 3.66% annualized interest and a 52-week T-Bill had the equivalent of 3.80% annualized interest.
  • The iShares 0-3 Month Treasury Bond ETF (SGOV) has a 3.55% 30-day SEC yield (0.09% expense ratio) and effective duration of 0.10 years. The Vanguard 0-3 Month Treasury Bill ETF (VBIL) has a 3.59% 30-day SEC yield (0.06% expense ratio) and effective duration of 0.10 years.

US Savings Bonds
Series I Savings Bonds offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. If you redeem them within 5 years there is a penalty of the last 3 months of interest. The annual purchase limit for electronic I bonds is $10,000 per Social Security Number, available online at TreasuryDirect.gov.

  • “I Bonds” bought between May 2026 and October 2026 will earn a 4.26% rate for the first six months. The rate of the subsequent 6-month period will be based on inflation again. More on Savings Bonds here.
  • In mid-October 2026, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months. I will post another update at that time.

Rewards checking accounts
These unique checking accounts pay above-average interest rates, but with unique risks. You have to jump through certain hoops which usually involve 10+ debit card purchases each cycle, a certain number of ACH/direct deposits, and/or a certain number of logins per month. If you make a mistake (or they judge that you did) you risk earning zero interest for that month. Some folks don’t mind the extra work and attention required, while others would rather not bother. Rates can also drop suddenly, leaving a “bait-and-switch” feeling.

  • La Capitol Federal Credit Union pays 6.50% APY on up to $10,000 if you make 15 debit card purchases of at least $5 each per statement cycle. Anyone can join this credit union via partner organization, Louisiana Association for Personal Financial Achievement ($20).
  • OnPath Federal Credit Union (my review) pays 6.00% APY on up to $10,000 if you make 15 debit card purchases, opt into online statements, and login to online or mobile banking once per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization. You can also get a $150 Visa Reward card when you open a new account and make qualifying transactions.
  • Genisys Credit Union pays 6.75% APY on up to $7,500 if you make 10 debit card purchases of $5+ each per statement cycle, and opt into online statements. Anyone can join this credit union via $5 membership fee to join partner organization.
  • Oklahoma Central Credit Union pays 6.00% APY on up to $10,000 if you make 15 debit card purchases (non-ATM) per statement cycle. Anyone can join this credit union if they are “affiliated with another credit union”.
  • First Southern Bank pays 5.50% APY on up to $25,000 if you make at least 15 debit card purchases, 1 ACH credit or payment transaction, and enroll in online statements.
  • Credit Union of New Jersey pays 6.00% APY on up to $25,000 if you make 12 debit card purchases, opt into online statements, and make at least 1 direct deposit, online bill payment, or automatic payment (ACH) per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization.
  • Andrews Federal Credit Union pays 5.25% APY (decreased) on up to $25,000 if you make 15 debit card purchases, opt into online statements, and make at least 1 direct deposit or ACH transaction per statement cycle. Anyone can join this credit union via partner organization.
  • Capitol Credit Union pays 6.00% APY on up to $15,000 if you make 12 debit card purchases, opt into online statements, and make at least 1 direct deposit or ACH transaction per statement cycle. Anyone can join this credit union via partner organization ($5 to Wild Basin Wilderness).
  • Find a locally-restricted rewards checking account at DepositAccounts.

Certificates of deposit (greater than 1 year)
CDs offer higher rates, but come with an early withdrawal penalty. By finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency. Alternatively, consider building a CD ladder of different maturity lengths (ex. 1/2/3/4/5-years) such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account. When one CD matures, use that money to buy another 5-year CD to keep the ladder going. Some CDs also offer “add-ons” where you can deposit more funds if rates drop.

  • NASA Federal Credit Union has a 5-year certificate at 4.18% APY ($1,000 minimum), 4-year at 4.10% APY, 3-year at 4.05% APY, 2-year at 4.00% APY, and 1-year at 3.95% APY. Early withdrawal penalty for the 5-year is 365 days of interest. Anyone nationwide can join via a complimentary membership to the National Space Society (NSS).
  • Advancial Federal Credit Union has has a 5-year certificates at 4.14%/4.24%/4.34% APY APY based on either a $1,000/$25,000/$50,000 opening balance. Early withdrawal penalty for the 5-year is 365 days of interest. Anyone nationwide should be able to join via membership with partner organization US Dog Agility Association, but I would call to verify first.
  • Mountain America Credit Union (MACU) has a 5-year certificate at 4.05% APY ($500 minimum), 4-year at 4.00% APY, 3-year at 4.00% APY, 2-year at 4.20% APY, and 1-year at 3.90% APY. Early withdrawal penalty for the 4-year and 5-year is 365 days of interest. Anyone can join this credit union via partner organization American Consumer Council (use promo code “consumer” when joining).
  • You can buy certificates of deposit via the bond desks of Vanguard and Fidelity. You may need an account to see the rates. These “brokered CDs” offer FDIC insurance and easy laddering, but they don’t come with predictable early withdrawal penalties. Right now, I see a 5-year non-callable brokered CD at 4.10% APY (callable: no, call protection: yes). Be warned that both Vanguard and Fidelity will list higher rates from callable CDs, which importantly means they can (and will!) call back your CD if rates drop significantly later.

Longer-term Instruments
I’d use these with caution due to increased interest rate risk (tbh, I don’t use them at all), but I still track them to see the rest of the current yield curve.

  • Willing to lock up your money for 10 years? You can buy long-term certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer FDIC insurance, but they don’t come with predictable early withdrawal penalties. You might find something that pays more than your other brokerage cash and Treasury options. Right now, I see a 10-year CDs at [n/a] APY (non-callable) vs. 4.44% for a 10-year Treasury. Watch out for higher rates from callable CDs where they can call your CD back if interest rates drop.

All rates were checked as of 5/14/26.

* I no longer recommend fintech companies due to the possibility of significant loss due to poor recordkeeping and the lack of government protection in such scenarios. The point of cash is absolute safety of principal.

Photo by Giorgio Trovato on Unsplash

Filed Under: Banking, Deals & Offers, Investing // Tagged:

SoFi Promos: 2% ACAT Transfer Bonus, $425 New Checking Bonus, $300-$1000 Loan Bonuses

Posted on May 12, 2026 // 80 Comments

(Updated: 2% ACAT transfer bonus is back, valid on both IRAs and taxable brokerage accounts. For example, $2,000 on a $100,000 account value. 5-year minimum hold. Only a 1% bonus on 401k rollovers. )

SoFi (“Social Finance”) is an all-in-one finance app that expanded from students loans into banking, stocks, crypto, credit cards, and more. They often run a bunch of different promotional offers; New users can receive a separate opening bonus for each separate part of SoFi (Money, Invest, Loans, etc).

  • SoFi Checking Referral Offer: Up to $425 new account bonus. Open a new SoFi Checking account and add at least $50 to your account within 21 days, and get $25. Then get up to $400 additional bonus with qualifying direct deposit. Plus up to 4.00% APY for 6 months.
  • SoFi Credit Score Monitoring Offer: $10 bonus. Earn $10 in rewards points when you activate free credit score monitoring. Also get a few free points when your score rises.
  • SoFi Invest Referral Offer: $25 new account bonus. Taxable brokerage account. Open an Active Investing account with $25 or more, and you’ll get $25 in stock.
  • SoFi Crypto Referral Offer: $25 new account bonus. Open a new SoFi Crypto account (you’ll need a SoFi Checking and Savings account), make a single qualifying purchase of at least $50 within 30 days, and get a $25 bonus.
  • SoFi ACAT Transfer Offer: 2% Match Bonus. Get a 2% match on ACAT transfers to IRA or taxable brokerage accounts (max $100,000 on $5,000,000 transferred). Minimum hold period for five (5) years from the settlement date.
  • SoFi 401(k) Rollover Offer: 1% Match Bonus. Get a 1% match when you roll over your 401(k) into a SoFi IRA. Minimum hold period for five (5) years from the settlement date.
  • SoFi Student Loan Refi: $300 bonus. Warning: Do your research before refinancing your Federal student loans to a private lender. You may lose some protections.
  • SoFi Doctors and Dentists Student Loan Refi: $1,000 bonus. Special low rates just for doctors and dentists.
  • SoFi Private Student Loan: $300 bonus. For those looking for a new student loan (not a refinance).
  • SoFi Personal Loans Referral Offer: Fixed $300 bonus. Fixed $300 bonus, 90 days after successful funding. The loan has no fees and you can pay it back in full after 90 days (you can pay it down to $50 before then to accrue minimal interest, thus making it an opportunity to make a net profit).
Filed Under: Banking, Deals & Offers, Investing //

Barclays Select Savings w/ AARP: $400 Bonus on $40,000 Deposit (+4% APY)

Posted on May 7, 2026 // 2 Comments

Barclays Bank Delaware has a Select Savings account (currently at 4.00% APY on all balance tiers) as part of their “AARP® Digital Banking” package which also offers Select CDS (with currently subpar rates) that is only available to AARP members with an active membership number.

(AARP membership regular price is $15 for the first year when you sign up for automatic renewal, with no age requirement. You can turn off the renewal later. Cashback portal TopCashBack is also offering $15 cash back on the first year if you sign-up and click through them.)

Right now there is a $400 bonus for new members that deposit $40,000+ in new funds. You must fund within 30 days of opening, and maintain the balance of at least $40,000 for another 120 consecutive days after funding. Bonus arrives after another 60 days. You must be a new Select Savings from Barclays customer. Note that they have other flavors of savings accounts, so be sure to apply for the right one. Direct deposit is not required. Offer expires 7/31/26. Thanks to reader Bill from Wisconsin for the tip.

Bonus math. This is a 1% bonus on $40,000 if you keep it there for 120 days, which makes it the equivalent of 3% APY annualized. Bonus will be paid around Day 180 and the account must be open at that time, but you only need to maintain full balance through Day 120 after funding. The bonus is on top of the standard interest rate, currently 4.00% APY.

The equivalent of roughly 7.00% total APY over 120 days makes it a decent offer for those with compatible balances looking for short-term place to hold their cash for a few months. Might be worth signing up for an AARP membership.

Filed Under: Banking, Deals & Offers //

Ally Bank $100 New Savings Account Referral Bonus (No Direct Deposit Requirement)

Posted on May 3, 2026 // 2 Comments

Bonus extended. Ally Bank is one of my favorite banks in terms of user interface, practical features, customer service, and reliability. They were my primary checking account for years (the checking can auto-draft from the savings). Unfortunately, their savings account rates have been lagging the top rates recently. Despite that, I still keep maintain active accounts there because I use them as my central hub connecting all my many different bank accounts with fast transfers and a clear schedule of exactly when the money will be withdrawn and deposited.

Ally is running a $100 new account bonus by referral only (that’s mine, thanks if you use it). You must first enroll with your name and address by 12/31/26, and then using the same e-mail address open one of two possible account types (Ally Spending, Ally Savings) within 30 days of enrollment and make qualifying transfers to get the $100 bonus. You are not eligible if you are a current customer (with any Ally product), or has had any Ally account open since January 1, 2024.

Thus, my recommendation is to first open a Savings account with this offer (which works for both Savings and Checking but only works if you have no Ally accounts at all) and if you can, wait until their Spending account bonus comes back (last year it was for $300).

Here are the details for the Savings Account. Taken from full terms and conditions [pdf].

Ally Bank Savings Account

1. Once your Savings Account is open, setup (within your new account) a monthly automated recurring transfer of any amount and have it start within 30 days of account opening.
2. Complete an automated recurring transfer at least once a month for at least three months in a row.
3. Your $100 Welcome Bonus will be deposited within 30 days of receiving your third consecutive monthly recurring transfer. To be paid, make sure you keep your Savings Account open and in Good Standing through the Payout Date.

What do they mean by “automated recurring transfer”? I tried it out in my Ally account it just means setting up as little as a $1 transfer every month into your savings account. You can connect an external bank account to fund the transfer.

Overall, the requirements are pretty easy for a $100 bonus and it has useful characteristics noted above. I personally use this account nearly every week to manage my interbank transfers. I even hit their maximum limit of 20 linked external accounts.

Filed Under: Banking, Deals & Offers //

Savings I Bonds May 2026 Rate: 0.9% Fixed Rate, 4.26% Total Rate for 6 Months

Posted on May 3, 2026 // 5 Comments

May 2026 update: Savings I Bonds bought from May 1, 2026 to October 31, 2026 will have a fixed rate of 0.90% and inflation rate of 3.36%, for a total composite rate of 4.26% for the first 6 months. For comparison, the current Treasury yields are 1-year @ ~3.7% and 5-year @ ~4.0%, while TIPS real yields are 5-year @ ~1.33%.

Every existing I Bond will earn this inflation rate of ~3.36% eventually for 6 months; you will need to add your own fixed rate that was set based the initial purchase month. See you again in mid-October for the next early prediction for November 2026.

Original post from 4/12/2026:

Savings I Bonds are a unique, low-risk investment backed by the US Treasury that pay out a variable interest rate linked to inflation. With a holding period from 12 months to 30 years, you could own them as an alternative to bank certificates of deposit (they are liquid after 12 months) or bonds in your portfolio.

New inflation numbers were announced at BLS.gov, which allows us to make an early prediction of the May 2026 savings bond rates just before the official announcement on the 1st. This also allows the opportunity to know exactly what an April 2026 savings bond purchase will yield over the next 12 months, instead of just 6 months. You can then compare this against a November 2025 purchase.

New inflation rate prediction. September 2025 CPI-U was 324.800. May 2026 CPI-U was 330.213, for a semi-annual inflation rate of 1.67%. Using the official composite rate formula:

Composite rate formula: [Fixed rate + (2 x semiannual inflation rate) + (fixed rate x semiannual inflation rate)]

This results in the variable component of interest rate for the next 6 month cycle being ~3.34 to 3.39%, depending on the fixed rate.

Tips on purchase and redemption. You can’t redeem until after 12 months of ownership, and any redemptions within 5 years incur an interest penalty of the last 3 months of interest. A simple “trick” with I-Bonds is that if you buy at the end of the month, you’ll still get all the interest for the entire month – same as if you bought it in the beginning of the month. It’s best to give yourself a few business days of buffer time. If you miss the cutoff, your effective purchase date will be bumped into the next month. (You should always sell at the very beginning of the month.)

Buying in April 2026. If you buy before the end of April, the fixed rate portion of I-Bonds will be 0.90%. You will be guaranteed a total interest rate of 0.90 + 3.13 = 4.03% for the next 6 months. For the 6 months after that, the total rate will be 0.90 + 3.36 = 4.26%.

Buying in May 2026. If you buy in May 2026, you will get ~3.36% plus a newly-set fixed rate for the first 6 months. The new fixed rate is officially unknown, but is loosely linked to the real yield of short-term TIPS with some reductions. In the previous 10 days, 5-year TIPS real rates have ranged from 1.34% to 1.42%. If I had to guess, I’d put a new fixed rate somewhere between 0.9 to 1.0%, for a total rate of about 4.26%. Every six months after your purchase, your rate will adjust to your fixed rate (set at purchase) plus a variable rate based on inflation.

If you have an existing I-Bond, the rates reset every 6 months depending on your specific purchase month. Everyone will eventually get this variable rate. Your bond rate = your specific fixed rate (based on purchase month, look it up here) + variable rate (total bond rate has a minimum floor of 0%).

Buy now or wait? Between those two options, if you are a long-term holder, you may consider waiting until May or even October to see if the fixed rate goes up a little. You may also think higher inflation is coming, and you’ll get that next inflation rate sooner if you buy in May. See below for why I am buying TIPS instead.

Unique features and benefits! There are definitely reasons to own Series I Savings Bonds, including inflation protection, tax deferral, exemption from state income taxes, and potential tax benefits if used toward qualified educational expenses.

Unique drawbacks! You can only buy new savings bonds through TreasuryDirect.gov, which is limited in its customer service resources and features. There is also no option for paper tax forms nor statements (or even online monthly statements), so your heirs may never know they exist! If they do find it, it may take them several months and a lot of effort to close out all the estate paperwork. If you forget your password, it may take weeks or longer to unlock your account.

If you become a victim to theft or fraudulent activity, they will not replace any lost or stolen savings bonds. They explicitly accept no liability:

§ 363.17 Who is liable if someone else accesses my TreasuryDirect ® account using my password?

You are solely responsible for the confidentiality and use of your account number, password, and any other form(s) of authentication we may require. We will treat any transactions conducted using your password as having been authorized by you. We are not liable for any loss, liability, cost, or expense that you may incur as a result of transactions made using your password.

The juice may not be worth the squeeze when you can own individual Treasury bonds or TIPS within any full-service brokerage account. It’s sad that they’ve basically let this investment decay away due to neglect.

I also used to believe that the government would not tamper or attempt to politically influence these BLS CPI statistics that are at the core of many important functions, including Social Security inflation adjustments, TIPS, and these Savings Bonds. Now I’m not so sure. I found this guest article from TIPSWatch to offer some perspective: A historical look at political influence over the BLS.

Personally, I sold all my savings bonds in 2024 and do not plan to buy any more. I’m older now and I feel the small potential benefit just doesn’t outweigh the small possibility that I could lose the entire amount due to estate-handling mistakes or online hack. I’d rather own TIPS and US Treasuries directly in a full-service brokerage account. As a long-term holder, I can lock in a 2 to 2.7% real yield with a longer term TIPS bond.

Annual purchase limits. The annual purchase limit is now $10,000 in online I-bonds per Social Security Number. For a couple, that’s $20,000 per year. You can only buy online at TreasuryDirect.gov, after making sure you’re okay with their poor service. (No more tax refund savings bonds.) Technically, the purchase limits are per Social Security Number or Employer Identification Number. For those looking for another way to expand their purchasing power, that means you can also buy for a child, grandchild, LLC, or a trust.

Bottom line. Savings I bonds are a unique, low-risk investment that are linked to inflation and only available to individual investors. You can now only purchase them online at TreasuryDirect.gov. They have both unique benefit and drawbacks. For more background, see the rest of my posts on savings bonds.

[Image: US Savings Bond advertisement – source]

Filed Under: Banking, Investing, Retirement, Savings Bonds //

Live Oak Bank: $200 Bonus on $20,000 Deposit (New and Existing Customers)

Posted on April 22, 2026 // 24 Comments

(Update: Offer is back. Again available to both new and existing customers depositing new funds. For existing customers, the deposits must be in addition to your balance as of 4/19/26.)

Live Oak Bank is an FDIC-insured internet bank that is focused on lending to small businesses. Their personal savings account has a limited-time offer of a $200 bonus if you deposit $20,000+ in new funds into their online savings account by 11:59 p.m. ET on 5/31/2026 via this special offer page and keep it there for 60 days. The current interest rate is 3.80% APY. Direct deposit is not required. Valid for both new and existing customers, as long as you are adding new money (lookback date is 4/19/26).

Unlike some other deposit bonuses, the 60-day window starts when the new money hits:

Beginning on the date in April or May 2026 when the new account attains a balance of at least $20,000, if the balance remains equal to or exceeding $20,000 for 60 consecutive days, then the account will be eligible for the bonus if all other conditions are met. If all eligibility criteria are met, the $200 cash bonus will be deposited to your open, eligible account within 45-days following the expiration of the 60-day period.

Bonus math. This is a 1% bonus on $20,000 if you keep it there for 60 days, which makes it the equivalent of 6% APY annualized. Bonus will be paid around Day 105 and the account must be open at that time, but you only need to maintain full balance through Day 60. The bonus is on top of the standard interest rate, currently a competitive 3.80% APY as of 4/22/26.

This equivalent of roughly 9.80% total APY over 60 days makes it a solid offer for those with compatible balances looking for short-term place to hold their cash for a few months. Live Oak Bank seems to come and go with the competitiveness of their rates, but it’s nice that this is available to existing customers.

Filed Under: Banking, Deals & Offers //

Citizens Bank $400 Checking Bonus (Direct Deposit Required)

Posted on April 16, 2026 // Leave a Comment

Citizens Bank is offering a $400 checking bonus with relatively simple requirements. However, they only offer checking accounts to residents of certain states mainly in the Eastern and Northeastern US (CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT or VA; they will use your zip code to verify). Thanks to reader Steve for the tip.

Bonus requirements. You must open your first new personal checking account between 4/1/26 and 6/30/26 and have at least one single direct deposit of $1,000 or more within 60 days of account opening. Note: Primary signer may not be or have been a signer on any other Citizens personal checking or savings account within the previous six months. New account(s) must have a balance greater than zero and remain open and active through the payout date.

Eligible checking accounts. The lowest-cost option appears to be the “One Deposit Checking”, which has no monthly fee as long as you make one deposit of any kind during each statement period (otherwise it is $9.99 per month).

This is another relatively easy bonus for those that can switch/split their paycheck direct deposit easily online. Mine is split five different ways sometimes…

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Reader Questions: Cash and Bond Holdings Details

Posted on April 9, 2026 // 7 Comments

I’ve gotten a few reader questions about my personal cash and bond holdings, so I thought I’d combine them here. You may be surprised that I don’t chase the top rates that much myself anymore, although I still do attractive deposit bonuses (most recently CIT Bank and Marcus). I’ve found that I can get pretty darn close to the top rates without being spread across as many bank accounts as in the past. My specific situation is that I have state income taxes of ~10%, so the fact that US Treasury obligations are exempt from state income tax makes a significant difference to me.

Big picture, I am roughly 70% stocks and 30% bonds and I let it float between 65%/35% or 75%/25% without worrying about. I mostly rebalance with both new cash inflows and internal flows of interest/dividends.

30% in bonds is broken down into 20% US “Regular” Treasury Bonds and/or FDIC-insured deposits and 10% US Treasury Inflation-Protected Bonds. For the US Treasury bonds, I hold mostly Vanguard Short-Term Treasury ETF (VGSH). The current 30-day SEC yield is 3.83%. Again, this converts to a tax-equivalent yield of ~4.25 APY due to the state-tax exemption for my situation.

VGSH is essentially a basket of US Treasury bonds held at a rock-bottom expense ratio of 0.03% with an average effective maturity and average duration of about 2 years. I converted to the ETF because the equivalent mutual fund has an expense ratio of 0.06%. If you think about it, a ladder of 1-year, 2-year, 3-year, 4-year, and 5-year bank certificates of deposit (CDs) with an added rung of “0-year” cash has an average duration of 2 to 2.5 years depending on how close they are to maturity. I used to spend a lot of time creating a 5-year CD ladder with top rates spread across multiple different credit unions, but right now I doubt you’ll beat a weighted average rate of 4.25% (again due to my 10% state tax rate).

What about more interest rate risk? The Vanguard Intermediate-Term Treasury ETF (VGIT) has an average duration of 5 years. The current 30-day SEC yield is 4.02% (roughly 0.20% higher). The steepness of the yield curve changes, but for the most part it is pretty flat right now, such that I haven’t felt that the slight increase in yield is worth the added interest rate risk. If interest rates go up, then that little bit of extra yield can be offset completely. Overall it’s a minor difference, VGIT would be fine really, but I do make sure to avoid long-term bonds. I used to own both short-term and intermediate-term funds, but now it’s just short-term for simplicity and lower stress. I choose to take my risk in the stock portion of the portfolio.

What about more credit risk? I can compare with Vanguard Total US Bond ETF (BND), which contains corporate bonds and mortgage-backed securities and such, with a current 30-day SEC yield of 4.34%. While BND also holds some Treasuries, it doesn’t meet the 50% threshold requirements for California, Connecticut, and New York, so residents don’t get any tax break in those states. That makes the difference only about 0.10%. For me, the extra risk doesn’t seem worth the extra yield.

Municipal bonds are also not competitive right now if you compare them directly (AAA-rated short-term munis to short-term Treasuries). I have held Vanguard muni bond funds in the past when their tax-equivalent yield was a full 1% higher than the same term US Treasury.

(* I know that there is discussion about the credit quality of the United States, which is fine and fair, but I still think they are the relative safest and don’t feel the need to diversify into corporate bonds or debt from other countries. The Treasury literally creates the money. Inflation is more of a concern to me.)

Speaking of inflation, my 10% in TIPS is mostly held in individual TIPS bonds because I can buy them in my Fidelity Solo 401k account and I can pick them up when the real yield is high and lock in that real yield for the entire term of the bond. That’s a very unique feature. I also hold TIPS ETFs like SCHP when I am looking to buy but the real yield is not good enough to lock in for a longer term. I got rid of my precious savings bonds because I don’t want my spouse to deal with TreasuryDirect if something happens to me.

Cash. As part of my bond allocation, I include at least a year’s worth of expenses in “cash”. Let’s say my rough withdrawal rate is 3%, so I keep about 3% of my portfolio in cash. This is mostly held in a combination of the following three accounts and whatever deposit bonuses I am currently pursuing.

  • Vanguard Treasury Money Market Fund (VUSXX) has a currently APY equivalent of ~3.68%, which converts to a tax-equivalent yield of ~4.08% APY due to the state-tax exemption. Vanguard is a traditional brokerage and doesn’t provide things like Bill Pay or checking account features, but it is also where most of my stock dividends and bond interest payments land every quarter. Too bad they don’t offer VUSXX as a default sweep option, even though their default is pretty good.
  • Fidelity® Treasury Only Money Market Fund (FDLXX) has a currently APY equivalent of ~3.3%, which converts to a tax-equivalent yield of ~3.67% APY due to the state-tax exemption. This is not as good as Vanguard or the very top online savings accounts, but I like that it usually stays relatively competitive without having to move any funds. I also use Fidelity for its brokerage/IRA/Solo 401k already. Direct deposit (and some dividends) goes in, and Bill Payments go out. Fidelity “pushes” these payments out. I don’t use Fidelity for anything else requiring their routing numbers, checkwriting, or debit card (anything “pulled” from Fidelity). Many of their banking services are farmed out through UMB Bank and if there is any kind of issue (like debit card fraud or ACH fraud), then dealing with them can be a pain as they can blame each other for the problem. Also see: Fidelity Treasury Only Money Market (FDLXX) as Fidelity Core Position Workaround.
  • Ally Savings, SoFi Savings, and CIT Bank. I’ve used each of these for a while and I like that they are reliable especially when dealing with lots of smaller transactions (ACH pulls, check deposits, Venmo, etc) and interbank ACH transfers. They have competitive interest rates, if not the highest every month. They each also have invested in their own user interface for interbank transfers. Honestly, I’d stick with just Ally if I could as I like their system the best, but they’ve been lagging in the interest rate department recently.
Filed Under: Banking, Investing // Tagged:

Spruce Money Fintech App: $50 Referral Bonus w/ Direct Deposit (H&R Block)

Posted on April 7, 2026 // 2 Comments

(Update: The previous offer ended 4/15 and the current offer is a $50 bonus with a new expiration date of 5/31/26. I did get my bonus the day after my direct deposit posted and my debit card was activated, so it was indeed simple and easy.)

Spruce is a new fintech app from H&R Block with banking services provided by Pathward NA, member FDIC. They are currently offering a $50 referral bonus if you activate their debit card and complete a qualifying direct deposit of at least $200 within your first 45 days of opening an account. Offer expires 5/31/26. Spruce promises “budgeting tools, automatic saving options, and financial insights that help you be good with money.” Other features:

  • No minimum balance. No minimum opening deposit.
  • No credit check on application.
  • 3.50% APY savings account
  • Debit card with “roundup” feature.
  • Fee-free ATM withdrawals within the 55,000+ Allpoint ATM network.
  • Early Paycheck: Get paid up to two days early with direct deposit.
  • Mobile check deposit.
  • Early Tax Refund: Get your federal tax refund up to 5 days early.

The application for this one was pretty easy, I didn’t have to do any selfies or ID pictures (your experience may vary). Confirmed no credit check. Debit card is in the mail. Should be simple for those that have payroll websites/apps where you can split and/or switch your direct deposits easily. Thanks if you use my link.

After the Synapse/Yotta/Juno collapse, I no longer recommend maintaining significant balances in a fintech, even if the interest rate is very competitive. However, I still take advantage of some short-term bonuses from crypto and fintechs (that’s where the VC money goes into “aggressive customer acquisition” 🤑).

Filed Under: Banking, Deals & Offers //

Best Interest Rates Survey: Bank Accounts, Treasury Bills, Money Markets, ETFs – April 2026

Posted on April 6, 2026 // 1 Comment

Here’s my monthly survey of the best interest rates on cash as of April 2026, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earn more interest while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. Check out my Ultimate Rate-Chaser Calculator to see how much extra interest you could earn from switching. Rates listed are available to everyone nationwide. Rates checked as of 4/6/26.

TL;DR: Savings account interest rates were mostly stable. You can still get 4.6% APY if you accept certain hoops/restrictions, but most are under 4% now. Short-term T-Bill rates ~3.7%. Top 5-year CD rates are ~4.10% APY, while the 5-year Treasury rate is ~4.0%.

High-yield savings accounts*
Since the huge megabanks still pay essentially zero interest, everyone should at least have a separate, no-fee online savings account to piggy-back onto your existing checking account. The interest rates on savings accounts can drop at any time, so I list the top rates as well as competitive rates from banks with a history of competitive rates and solid user experience. Some banks will bait you with a temporary top rate and then lower the rates in the hopes that you are too lazy to leave.

  • The top saving rate at the moment: Pibank at 4.60% APY (no min), but they have some weird restrictions; like you can only use wire/Plaid to deposit and wire transfers to withdraw funds?! CineFi (no min) dropped a bit to 4.25% APY, a division of First Entertainment Credit Union. OnPath FCU also dropped to 4.25% APY with $25,000 minimum balance. CIT Platinum Savings held at 3.75% APY with $5,000+ balance, with a new 4.10% APY Boost promotion that was recently extended to 5/31. There are many banks in between.
  • SoFi Bank is at 3.30% APY (new customers can get up to 4.00% APY for 6 months + increased $425 bonus with qualifying direct deposit. You must maintain a direct deposit of any amount (even $1) each month for the higher ongoing APY. SoFi has historically competitive rates and full banking features.
  • Here is a limited survey of high-yield savings accounts. They aren’t the top rates, but a group that have historically kept it relatively competitive such that I like to track their history. This month they start at 3.20% APY on up.

Short-term guaranteed rates (1 year and under)
A common question is what to do with a big pile of cash that you’re waiting to deploy shortly (plan to buy a house soon, just sold your house, just sold your business, legal settlement, inheritance). My usual advice is to keep things simple and take your time. If not a savings account, then put it in a flexible short-term CD under the FDIC limits until you have a plan.

  • No Penalty CDs offer a fixed interest rate that can never go down, but you can still take out your money (once) without any fees if you want to use it elsewhere. Marcus has a 13-month No Penalty CD at 3.95% APY ($500 minimum deposit). Farmer’s Insurance FCU has a 9-month No Penalty CD at 4.00% APY ($1,000 minimum deposit). USALLIANCE Financial CU has a 11-month No Penalty CD at 3.90% APY ($500 minimum deposit). CIT Bank has a 11-month No Penalty CD at 3.75% APY ($1,000 minimum deposit).
  • E-Trade Bank has a 12-month CD at 4.10% APY (no minimum deposit). Early withdrawal penalty is 90 days of interest.
  • Farmer’s Insurance FCU has a 12-month CD at 4.00% APY with new money required. $1,000 minimum to open. Early withdrawal penalty is 90 days of interest.

Money market mutual funds
Many brokerage firms that pay out very little interest on their default cash sweep funds (and keep the difference for themselves). Note: Money market mutual funds are highly-regulated, but ultimately not FDIC-insured, so I would still stick with highly reputable firms.

  • Vanguard Federal Money Market Fund (VMFXX) is the default sweep option for Vanguard brokerage accounts, which has a 7-day SEC yield of 3.58% (changes daily, but also works out to a compound yield of 3.64%, which is better for comparing against APY). Odds are this is much higher than your own broker’s default cash sweep interest rate.
  • Vanguard Treasury Money Market Fund (VUSXX) is an alternative money market fund which you must manually purchase, but the interest will be mostly (100% for 2025 tax year) exempt from state and local income taxes because it comes from qualifying US government obligations. Current 7-day SEC yield of 3.63% (compound yield of 3.69%).

Treasury Bills and Ultra-short Treasury ETFs
Another option is to buy individual Treasury bills which come in a variety of maturities from 4-weeks to 52-weeks and are fully backed by the US government. You can also invest in ETFs that hold a rotating basket of short-term Treasury Bills for you, while charging a small management fee for doing so. T-bill interest is exempt from state and local income taxes, which can make a significant difference in your effective yield.

  • You can build your own T-Bill ladder at TreasuryDirect.gov or via a brokerage account with a bond desk like Vanguard and Fidelity. Here are the current Treasury Bill rates. As of 3/6/26, a new 4-week T-Bill had the equivalent of 3.69% annualized interest and a 52-week T-Bill had the equivalent of 3.70% annualized interest.
  • The iShares 0-3 Month Treasury Bond ETF (SGOV) has a 3.55% 30-day SEC yield (0.09% expense ratio) and effective duration of 0.10 years. The Vanguard 0-3 Month Treasury Bill ETF (VBIL) has a 3.57% 30-day SEC yield (0.06% expense ratio) and effective duration of 0.10 years.

US Savings Bonds
Series I Savings Bonds offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. If you redeem them within 5 years there is a penalty of the last 3 months of interest. The annual purchase limit for electronic I bonds is $10,000 per Social Security Number, available online at TreasuryDirect.gov.

  • “I Bonds” bought between November 2025 and April 2026 will earn a 4.03% rate for the first six months. The rate of the subsequent 6-month period will be based on inflation again. More on Savings Bonds here.
  • In mid-April 2026, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months. I will post another update at that time.

Rewards checking accounts
These unique checking accounts pay above-average interest rates, but with unique risks. You have to jump through certain hoops which usually involve 10+ debit card purchases each cycle, a certain number of ACH/direct deposits, and/or a certain number of logins per month. If you make a mistake (or they judge that you did) you risk earning zero interest for that month. Some folks don’t mind the extra work and attention required, while others would rather not bother. Rates can also drop suddenly, leaving a “bait-and-switch” feeling.

  • La Capitol Federal Credit Union pays 6.50% APY on up to $10,000 if you make 15 debit card purchases of at least $5 each per statement cycle. Anyone can join this credit union via partner organization, Louisiana Association for Personal Financial Achievement ($20).
  • OnPath Federal Credit Union (my review) pays 6.00% APY on up to $10,000 if you make 15 debit card purchases, opt into online statements, and login to online or mobile banking once per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization. You can also get a $150 Visa Reward card when you open a new account and make qualifying transactions.
  • Genisys Credit Union pays 6.75% APY on up to $7,500 if you make 10 debit card purchases of $5+ each per statement cycle, and opt into online statements. Anyone can join this credit union via $5 membership fee to join partner organization.
  • Oklahoma Central Credit Union pays 6.00% APY on up to $10,000 if you make 15 debit card purchases (non-ATM) per statement cycle. Anyone can join this credit union if they are “affiliated with another credit union”.
  • First Southern Bank pays 5.50% APY on up to $25,000 if you make at least 15 debit card purchases, 1 ACH credit or payment transaction, and enroll in online statements.
  • Credit Union of New Jersey pays 6.00% APY on up to $25,000 if you make 12 debit card purchases, opt into online statements, and make at least 1 direct deposit, online bill payment, or automatic payment (ACH) per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization.
  • Andrews Federal Credit Union pays 5.25% APY (decreased) on up to $25,000 if you make 15 debit card purchases, opt into online statements, and make at least 1 direct deposit or ACH transaction per statement cycle. Anyone can join this credit union via partner organization.
  • Capitol Credit Union pays 6.00% APY on up to $15,000 if you make 12 debit card purchases, opt into online statements, and make at least 1 direct deposit or ACH transaction per statement cycle. Anyone can join this credit union via partner organization ($5 to Wild Basin Wilderness).
  • Find a locally-restricted rewards checking account at DepositAccounts.

Certificates of deposit (greater than 1 year)
CDs offer higher rates, but come with an early withdrawal penalty. By finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency. Alternatively, consider building a CD ladder of different maturity lengths (ex. 1/2/3/4/5-years) such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account. When one CD matures, use that money to buy another 5-year CD to keep the ladder going. Some CDs also offer “add-ons” where you can deposit more funds if rates drop.

  • United Fidelity Bank has a 5-year certificate at 4.15% APY ($1,000 minimum), 4-year at 4.10% APY, 3-year at 4.10% APY, 2-year at 4.10% APY, and 1.5-year at 4.05% APY. Early withdrawal penalties are not disclosed clearly online.
  • Advancial Federal Credit Union has has a 5-year certificates at 4.14%/4.24%/4.34% APY APY based on either a $1,000/$25,000/$50,000 opening balance. Early withdrawal penalty for the 5-year is 365 days of interest. Anyone nationwide should be able to join via membership with partner organization US Dog Agility Association, but I would call to verify first.
  • Mountain America Credit Union (MACU) has a 5-year certificate at 4.00% APY ($500 minimum), 4-year at 4.00% APY, 3-year at 4.05% APY, 2-year at 4.20% APY, and 1-year at 3.80% APY. Early withdrawal penalty for the 4-year and 5-year is 365 days of interest. Anyone can join this credit union via partner organization American Consumer Council (use promo code “consumer” when joining).
  • You can buy certificates of deposit via the bond desks of Vanguard and Fidelity. You may need an account to see the rates. These “brokered CDs” offer FDIC insurance and easy laddering, but they don’t come with predictable early withdrawal penalties. Right now, I see a 5-year non-callable brokered CD at 4.05% APY (callable: no, call protection: yes). Be warned that both Vanguard and Fidelity will list higher rates from callable CDs, which importantly means they can (and will!) call back your CD if rates drop significantly later.

Longer-term Instruments
I’d use these with caution due to increased interest rate risk (tbh, I don’t use them at all), but I still track them to see the rest of the current yield curve.

  • Willing to lock up your money for 10 years? You can buy long-term certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer FDIC insurance, but they don’t come with predictable early withdrawal penalties. You might find something that pays more than your other brokerage cash and Treasury options. Right now, I see a 10-year CDs at 4.20% APY (non-callable) vs. 4.33% for a 10-year Treasury. Watch out for higher rates from callable CDs where they can call your CD back if interest rates drop.

All rates were checked as of 4/6/26.

* I no longer recommend fintech companies due to the possibility of significant loss due to poor recordkeeping and the lack of government protection in such scenarios. The point of cash is absolute safety of principal.

Photo by Giorgio Trovato on Unsplash

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