Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-09-18

Kempax Research

Loop report · 2026-09-18

Daily Best High-Yield Savings & Cash Management Accounts — 2026-09-19

As of 2026-09-19 UTC, this review-only candidate remains a qualified shortlist rather than an unconditional leaderboard. Current official bank-savings evidence covers Bask, Marcus, Synchrony, and Ally at 3.75%, 3.50%, 3.30%, and 3.00%, respectively; Bask is effective 2026-09-19, Marcus and Ally are dated 2026-09-18, and Synchrony's exact effective day is not stated. SoFi Checking and Savings is a checking savings bundle at 3.10% with qualifying deposits or direct deposit, 0.80% standard without those conditions, and a paid SoFi Plus tier advertising 4.50% on up to $20,000; its rate page is dated 2026-05-28. The independent cross-check displays Peak at 4.01%, Happen at 4.00%, Vio at 3.95%, Western Alliance at 3.80%, and CIT up to 4.10%, but these are secondary or condition-dependent and are not treated as official current ranks. Earlier candidates remain below as retained continuity rows. No unconditional winner is inferred.

For cash management, current official evidence covers Wealthfront Cash at a 3.55% base as of 2026-09-18 with conditional boosts up to 4.45%, Betterment Cash Reserve at 3.25% as of 2025-12-12 plus a conditional 0.75% new-client boost, and Fidelity at 3.35% on SPAXX's seven-day yield as of 2026-09-17; the Fidelity figure is not an APY or FDIC deposit, and the current FDIC-sweep APY was not exposed. Vanguard Cash Plus is displayed at 3.35% through 2026-09-30 in the independent cross-check, but the current official ledger does not re-verify it. Other cash rows remain prior-run or held. Every figure below is labeled as base, promotional, conditional, paid-tier, stale, undated, historical, secondary-only, or structurally different where applicable.

The clearest best-for designations are Bask for a current dated no-minimum, no-account-fee bank-savings quote; Marcus for same-day transfers up to the documented $100,000 ceiling; Ally for an all-balance rate with no minimum and a stated ten-withdrawal statement-cycle limit; Synchrony for a no-minimum, no-monthly-fee quote when its missing effective date and access limits are confirmed; and SoFi for a household that qualifies for its deposit direct-deposit rate or deliberately evaluates the paid Plus tier. For cash management, Wealthfront is best for documented 24 7 instant withdrawals with a current 3.55% base, Betterment for a qualifying boost or brokerage relationship, Fidelity for transaction access with an explicitly chosen sweep or money-market structure, and Vanguard for a secondary-verified bank-sweep comparator while its temporary boost lasts. These designations are for review only; no external action is authorized before responsible portfolio or treasury lead review and approval.

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. Evidence basis: official latest.md and aggregator latest.md, both retrieved 2026-09-19 UTC.