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An
An (@guest_2089656)
June 30, 2025 21:26

I’ve been reading some comments about LendingClub Bank accounts getting locked after initiating transfers through them, but I’m wondering if anyone has had issues with externally initiated ACH transfers (where LCB was the RDFI).

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_2089705)
June 30, 2025 22:38
  An

I have not had any issues pushing money into my LendingClub accounts.

An
An (@guest_2089736)
June 30, 2025 23:26

I was planning on having frequent Treasury Direct purchases and redemptions with the LCB Savings account.

flguy 🔗
flguy 🔗 (@guest_2088717)
June 29, 2025 09:58

MidFlorida CU has a HY Savings account – 5% on up to $2000 and with the online application you can fund up to $1500 with a credit card. Must be in their service area which is most of Florida. Soft check Experian and no Chex.

Xavier
Xavier (@guest_2088121)
June 27, 2025 18:52

Hanover Bank – Kasasa checking
5.75% APY on up to $25,000

They’re in NY, looks like in branch or call to open

  • At least 12 debit card purchases
  • At least 1 direct deposit or ACH transaction(s)
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking or mobile banking

https://hanoverbank.com/rewards-accounts/kasasa-cash-checking

Eric 🔗
Eric 🔗 (@guest_2088747)
June 29, 2025 10:53

I would consider applying if they don’t pull Chex. Have you applied yet or are you planning on trying for it?

Xavier
Xavier (@guest_2088763)
June 29, 2025 11:26

I haven’t applied yet, still on the fence. I may give them a call this week to see how easy it will be to open. It comes to about $30/month more than 25k sitting in a 4.3% HYSA.

Eric 🔗
Eric 🔗 (@guest_2088825)
June 29, 2025 13:49

I’ll wait patiently for your DP. 😉

Dealgamer
Dealgamer (@guest_2088435)
June 28, 2025 14:28

You should add Samsung Money to the list. 4.25% unlimited on all balances with no chex pull, and has both checking and savings.

Cllo
Cllo (@guest_2087897)
June 27, 2025 14:15

I’m not seeing Fairwinds here, their Emergency Savings has like 5% APY though.

Cllo
Cllo (@guest_2087899)
June 27, 2025 14:16

Oh. Only on the first $1000 you saved. nvm

midas89
midas89 (@guest_2087410)
June 26, 2025 18:48

For anyone that has the Customers Bank Max savings account, the rate was increased from 4.04% APY to 4.06% APY. Absolutely trivial, of course. 

The APY increase was so small, I had to squint to see it. Even my calculator said, “Really? You woke me up for this?”

Should I update my will now?

Grateful
Grateful (@guest_2087686)
June 27, 2025 08:56

Wow! It let them return to top of the heap at Max by .01% point!

fdic
fdic (@guest_2088156)
June 27, 2025 19:30
Crystal Sea
Crystal Sea (@guest_2088151)
June 27, 2025 19:26

I can’t even open a Max savings account. Kept getting rejected when I tried the 3rd party route. Anyone has success on that? Maybe you have to be really wealthy first.

Jared
Jared (@guest_2087213)
June 26, 2025 13:40

Discover online savings down to 3.50% APY from 3.60 APY
https://www.discover.com/online-banking/savings-account

Clarence Dorfmann
Clarence Dorfmann (@guest_2087240)
June 26, 2025 14:09

Discover Money Market is down to 3.40% also.

ink_me_please
ink_me_please (@guest_2088175)
June 27, 2025 20:03

Expect C1 to do the same in the next 7-10 days. They have typically followed suit in the past, since even before the merger.

fdic
fdic (@guest_2088271)
June 28, 2025 00:35

They shouldnt allow these mergers

fdic
fdic (@guest_2086015)
June 25, 2025 03:06

Can someone tell me how long the OnPath 5% lasted? I see the first post on April 19th

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
June 25, 2025 11:23

OnPath Elite 5% APY ended around June 1st… right before the system upgrade. fdic

https://www.doctorofcredit.com/high-interest-savings-to-get/#comment-2070700

fdic
fdic (@guest_2086543)
June 25, 2025 15:36

Thank you, so just about a month and a half I guess.

Wondering how long this new Hustl is going to last?

Grateful
Grateful (@guest_2087303)
June 26, 2025 15:29

OnPath Elite Savings was around in January 2025 at 5.25% APY when I came upon it, but it was under the radar at that time until it got DOCified in April. 5.00% was from April 1 – May 31.

fdic
fdic (@guest_2088270)
June 28, 2025 00:34

Grateful thank you, may I ask where did you first learn about it?

Grateful
Grateful (@guest_2088323)
June 28, 2025 08:30

When I saw on DoC about the OnPath 7% checking, I looked to see what other products they offered. I always do this kind of investigation before deciding if it may be worth the effort attempting to become a customer. I didn’t care for the criticism OnPath got here for their abrupt drop of Elite to 4.4%, which is still in line with the decent rates. I’d rather know where a rate is more likely to hold than see it keep declining slowly week after week.

Kelly
Kelly (@guest_2088382)
June 28, 2025 11:58

Grateful, I hope you won’t mind a counter opinion. OnPath dropped by a lot but also kept the disappointing only 3 withdrawals for free monthly. Hard to find anyone else with this disappointing withdrawal policy. Also, Roger was at 5%, and they dropped to just 4.65% with no week to week drops. It’s held for a nice amount of time now. Neighbors dropped to 4.60%, and have also held with no week to week drops. I think the criticism expressed here regarding OnPath is fully justified and appropriate, however I respect your feeling on the matter.

Bbt
Bbt (@guest_2085900)
June 24, 2025 23:43

A lot of the links are expired. Does anyone know the best CD rates for 12 to 18 month terms all over the country ?

Jjohn8219
Jjohn8219 (@guest_2085944)
June 25, 2025 00:57

I don’t want to add a link out of respect, but the ‘Best CD rates’ section of Investopedia is a good source.

Eric 🔗
Eric 🔗 (@guest_2086096)
June 25, 2025 08:23

Jjohn8219,

Now you made Bbt have to Bing or Google it for the link. You could have saved them a step! 😀

Jjohn8219
Jjohn8219 (@guest_2086113)
June 25, 2025 08:43

I’m sure they’ll be thankful for the suggestion anyway, despite the 10-second extra homework😄 Investopedia can be viewed as a competitor site so I want to respect DoC’s editorial policy, in case external links are not allowed (I’m not aware whether this the case or not).

Eric 🔗
Eric 🔗 (@guest_2086527)
June 25, 2025 15:29

 William Charles,

Can you clarify the rules for posting links on your site? I know the rules for referral links but I am referring to what Jjohn8219 wrote in the comment that I replied to.

I would have thought that it would be fine to link to the “Best CD Rates” page that he mentioned but maybe he is right that you would frown upon that.

EdwardD
EdwardD (@guest_2085790)
June 24, 2025 21:35

After Primis system upgrade, previously there were reports of issue with Primis initiated ACH transfers.

if you initiate ACH push/pull at Primis platform:

Is the ACH limit still ACH in/out: 6k/t, 18k/d, 100k/m  ?
If you push on Mon, when will it arrive at destination bank?
If you pull on Mon, when will Primis credit the amount?
Is Primis initiated ACH transfer still not showing in scheduled transfers?
Is Primis initated ACH transfers reliable now or still unpredictable?