Public Kempax report

Daily Best High Yield Savings & Cash Management Accounts · 2026-10-25

Kempax Research

Loop report · 2026-10-25

Daily Best High-Yield Savings & Cash Management Accounts — 2026-10-26

Research as of: 2026-10-26 UTC. Issuer pages were retrieved today; APYs are variable unless stated otherwise. Promotional yields remain separate from ongoing base rates. 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 26, with no minimum balance and no account fees; opening funds are due within 15 business days. A separate limited-time bundle advertises up to 4.30% for up to six months, but its complete qualifying conditions and deadline were not exposed; it is excluded from the base-rate ranking. Withdrawal limits, transfer timing, and complete eligibility terms remain unstated. Bask current rates · Bask Interest Savings
• High-yield savings promotion — Openbank High Yield Savings; best for eligible new customers seeking a six-month boost. Issuer page retrieved October 26 states a 4.00% standard variable APY plus a 0.35-point boost for six months up to 4.35% for eligible new customers. The page says the boost expires after six months, when the then-current standard APY applies; its availability remains subject to offer terms. Minimum opening deposit, fees, eligibility details, withdrawal caps, and settlement timing were not fully established in the retrieved excerpt; verify before selection. Openbank account and offer
• Cash management — Wealthfront Cash Account; best for no-fee cash features and broad access. Provider page retrieved October 26 states 3.55% base APY as of October 1 and up to 4.45% overall. It describes a 0.65-point boost for new clients for three months on up to $150,000; a separate ongoing increase may require investing and monthly deposits. 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. The NerdWallet cross-check last updated October 23 displays up to 4.55%, which conflicts with the provider’s current 4.45% ceiling. Wealthfront Cash · NerdWallet cash-management comparison

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 eligibility-dependent; do not compare 4.35% as a permanent base. Wealthfront’s 3.55% base is the cleanest account-type comparison; its boost is conditional and the secondary 4.55% maximum exceeds the issuer’s 4.45% display. Wealthfront’s 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; NerdWallet was used only as a market cross-check and does not supersede provider terms. Bask’s official rate table retrieved October 26 sets the 3.90% APY effective that date; its product page also advertises a separate bundle promotion up to 4.30%, whose full qualifications were not captured. The issuer pages for Openbank and Wealthfront were successfully re-read October 26. Openbank’s offer is limited to eligible new customers for six months; the retrieved excerpt does not settle all opening, access, or settlement conditions. Wealthfront is not a bank; FDIC eligibility depends on cash reaching program banks, placement, and ownership limits. Its official maximum 4.45% and NerdWallet’s October 23 display 4.55% differ; use the issuer figure pending reconciliation. Confirm current variable rates, eligibility, liquidity terms, and insurance arrangements in controlling disclosures before any selection.