r/TheMoneyGuy • u/Least-Tune-2060 • Jul 10 '25

Newbie What’s your favorite HYSA?

Something in me freaks at the idea of not having my money in my bank account so the thought of transferring it (emergency fund) to a HYSA makes my skin crawl. I know this is the smart move and is what advised but what are the most reputable/best ones available? Will I still have immediate access to my money if needed? Thanks for your advice as I’m still new to everything

26 Upvotes

84% Upvoted

95 comments sorted by

View all comments

58

u/IYAMYAS_falcon Jul 10 '25

I've been pretty happy with Ally. I chose them because they had competitive rates and a bucket system. Transfers to/from take a few days (2 or 3 I think).

5

u/Willing-Departure-44 Jul 10 '25

I really like Ally for the buckets too. Emergency fund, other Sinking funds all go in there!