Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-10-23

Kempax Research

Loop report · 2026-10-23

Daily Best High-Yield Savings & Cash Management Accounts — 2026-10-24

Research as of: 2026-10-24 UTC. Today's shortlist favors issuer-verified base rates and separates temporary promotional yields. Rates are variable; this is a review shortlist, not an account-opening instruction.

Current ranked choices

• High-yield savings — Bask Interest Savings; best for a fresh, no-minimum base rate. Bask reports 3.90% APY 3.82% interest effective October 24, with no minimum balance and no account fees. The captured page does not specify withdrawal limits, transfer timing, opening-deposit minimum, or complete eligibility terms. Bask current rates · Bask Interest Savings
• High-yield savings promotion — Openbank High Yield Savings; best for eligible new customers seeking a six-month boost. Openbank reports a 4.00% standard variable APY plus a 0.35-point boost for six months up to 4.35% , with a $500 minimum to open and no fees advertised. The offer is conditional on eligibility and availability; after six months the rate returns to the then-current standard APY. Withdrawal caps and settlement timing were not captured. Openbank account and offer
• Cash management — Wealthfront Cash Account; best for no-fee cash features and broad access. Its supported base is 3.55% APY as of October 1; the official page separately advertises conditional boosts, including +0.65 points for three months on up to $150,000 and +0.25 points tied to qualifying monthly deposits. No account fee and free 24 7 instant withdrawals to eligible external accounts are advertised. Eligible swept deposits may qualify for up to $8 million FDIC coverage, subject to program-bank placement and applicable limits. Boost stacking, full eligibility, and withdrawal exceptions remain unresolved. Wealthfront Cash

Savings and cash management are ranked within separate account types. Bask is the strongest freshly dated, unconditional base-rate savings candidate in today's evidence. Openbank's higher headline is temporary and qualification-dependent; do not compare 4.35% as a permanent base. Wealthfront's base rate is dated October 1, and cash-sweep coverage differs from a direct bank deposit. These are shortlist designations for portfolio treasury lead review, not approvals. No external action is authorized pending that approval.

Evidence and caveats

Issuer disclosures control; Bankrate and NerdWallet were used only as market cross-checks and do not supersede provider terms. Bask's captured page does not state withdrawal count dollar limits, transfer timing, or a complete eligibility set. Openbank's page does not give transfer withdrawal caps or settlement times, and its boost applies only to eligible new accounts while the offer remains available. Wealthfront is not a bank; FDIC eligibility depends on cash reaching program banks, placement, and ownership limits. Confirm current variable rates, eligibility, liquidity terms, and insurance arrangements in controlling disclosures before any selection.