Open up a fidelity cash management account (CMA). Once you open it, you can set your sweep/core position to one of two money market fund options: SPAXX FDLXX SPAXX has a slightly higher 7-day yield at 3.98%, whereas FDLXX has a 7-day yield of 3.90%. The difference between the two is that FDLXX is a treasury-only money market fund whereas SPAXX contains non-treasury indices too. The consequence of this is that if you live in a state which has state income tax (e.g. California, Michigan, Massachusetts, and others), then any interest you earn will be taxed by the state, if the interest is earned from non-treasury sources. So, if you live in a state which has state income taxes, then FDLXX might be the better choice to set your core position to, since FDLXX consists entirely of treasury indices. This means that the interest you earn will be state-tax exempt. So even though SPAXX has a higher yield, part of that yield will be subject to state income taxes, hence making the EFFECTIVE yield lower than the yield of FDLXX. However, if you live in a state without state income tax, then the above analysis doesn't hold and so you should go with SPAXX, since it has a higher yield. Note that the interest you earn from other banks like Marcus, Ally, American Express, etc will also be subject to state income taxes (if you live in a state which has that), so this is why I prefer Fidelity's FDLXX money market fund over the more widely-used HYSAs from various banks. With FDLXX, not only are you getting really good interest rates, but you're also saving money in income taxes (again, assuming that you live in a state with state income tax). You don't have to have a minimum deposit amount for the CMA, and they won't charge you monthly fees. It's free to open and free to maintain. More on reddit.com

As long as you add the institution to your bank and reciprocally, you can get money quickly. Branch vs online really doesn’t matter. I have Citi for one HYSA. There are limits on transferring out, so you might need to wait. I also have money with Raisin, which has many FDIC banks in its network. I am currently getting 4.1%, but rates fluctuate between banks. Most of mine is with Fidelity, which I use for investing and for spending. Moving money is fast. Long term is held in SGOV (3.9%, which I can get within a day. If I wanted more liquid, I’d use FDLXX (3.56%). Don’t get too hung up on picking the best rate…getting into something more than what you currently have is the best move. A 0.4% difference is $40 on $10,000…not worth chasing the yield. More on reddit.com

Yes transfers should be easy. My HYSA is at Ally. More on reddit.com

DoC is always a good go-to in this subreddit: https://www.doctorofcredit.com/high-interest-savings-to-get/ More on reddit.com