Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-09-12

Kempax Research

Loop report · 2026-09-12

Daily Best High-Yield Savings & Cash Management Accounts — 2026-09-13

As of 2026-09-13 UTC, this review-only candidate remains a conditional shortlist rather than an unconditional leaderboard. Current savings evidence shows cross-check-only Newtek Personal High Yield Savings at 4.20% APY with a $100 opening deposit and up to six withdrawals or transfers per statement cycle, with rate-date evidence accurate 2026-09-10; cross-check-only Vio Online Savings at 3.95% on all balances effective 2026-09-11, with a typical five-business-day ACH hold; CIT Platinum Savings up to 4.10% only through the six-month CITBOOST offer; Barclays Tiered Savings up to 3.65% accurate 2026-09-11; Marcus Online Savings at 3.40% as of 2026-09-12; and Synchrony High Yield Savings at 3.30% accurate 2026-09-13. For cash management, Vanguard Cash Plus shows a 3.35% bank-sweep APY as of 2026-09-12, including a temporary 0.25% boost through 2026-09-30; cross-check-only Webull shows 3.35% for Premium; Robinhood shows 3.35% for Gold as of 2026-02-11; Public and cross-check-only Empower display 3.30% without provider effective dates; and Fidelity shows a 1.84% FDIC sweep APY as of 2026-09-11. Fidelity's $FZSXX figure is a separate 3.34% seven-day fund yield 3.39% effective yield, not an APY or FDIC deposit. No unconditional winner is inferred.

The clearest best-for designations are Newtek for a rate-first direct-bank review when its opening and transfer constraints are acceptable, Vio for an all-balance rate when a five-business-day ACH hold is acceptable, CIT for a qualifying six-month promotional yield at $5,000 or more, Marcus for same-day transfers up to the documented $100,000 ceiling, and Vanguard Cash Plus for the freshest dated full-sweep cash yield. Wealthfront remains the fast-access review candidate; Public remains the no-subscription, stated-unlimited-access candidate. Every figure below is labeled as base, promotional, conditional, stale, undated, or structurally different where applicable.

Method: official provider product, rate, fee, transfer, and insurance disclosures control; reputable comparison sources are used only to corroborate discovery or flag discrepancies. Review priority weighs rate freshness, fees, minimums, liquidity, protection structure, and promotion conditions. Provider effective dates control freshness; a term not exposed in the reviewed source remains unknown.