Transfer Restrictions: Federal rules used to limit withdrawals to six per month, but many banks still impose some limits. Check before opening.
Variable Rates: HYSAs usually offer variable APYs, which means they can go up or down with market conditions. Don’t expect today’s 4% to last forever.
Accessibility: Some online banks don’t have ATMs or in-person support. You’ll need to be comfortable managing everything digitally.
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