Public Kempax report
Daily Best High Yield Savings & Cash Management Accounts · 2026-10-27
Kempax Research
Loop report · 2026-10-27
Daily Best High-Yield Savings & Cash Management Accounts — 2026-10-28
Research as of: 2026-10-28 UTC. Scope assumption: U.S. dollar accounts and cash products. Issuer disclosures control; APYs are variable unless stated otherwise, promotional yields remain separate from base rates, and rates can change. This is a review shortlist, not an account-opening instruction. The list is for portfolio or treasury lead review before any external action.
Current ranked choices
- High-yield savings — Bask Interest Savings; best for a no-minimum variable base rate. Bask’s official rate table sets 3.90% APY 3.82% interest effective October 28, with no minimum balance or account fees and funding due within 15 business days of opening. A separate limited-time checking-and-savings bundle advertises up to 4.30% for up to six months; full eligibility and deadline remain unclear, so it is excluded from the base-rate ranking. Exact withdrawal caps and transfer timing remain unverified. Sources accessed October 28: Bask current rates · Bask Interest Savings
- High-yield savings promotion — Openbank High Yield Savings; best for eligible new customers who can meet the opening minimum. On October 28, Openbank displayed 4.00% standard variable APY plus a 0.35-point boost for six months, up to 4.35%; the boost remains 0.35 points if the standard APY changes and then expires. A $500 minimum deposit is required to open; the page states no fees and 24 7 app access. The limited-time offer is subject to approval and availability for eligible new customers. Transfer and withdrawal caps and settlement timing were not exposed. Bankrate’s October 27 table reports 4.33%, a secondary discrepancy against the issuer’s 4.35% display. Sources accessed October 28: Openbank offer · Bankrate October 2026 savings comparison
- Cash management — Wealthfront Cash Account; best for a no-account-fee cash hub with advertised instant access. The issuer currently displays a 3.55% base APY; its rate support page identifies this rate as effective September 18. Wealthfront is not a bank and conditional boost offers are not included in the base comparison because their currently applicable amount and qualification were not established in this read. No Cash Account fee is stated; debit-card charges may apply, including $2.50 plus the ATM owner fee out of network, a 2.75% international transaction fee, and cash-load charges up to $5.95. The provider advertises free 24 7 instant withdrawals to eligible external accounts, but current numeric movement caps and exceptions were not exposed. Eligible swept balances may qualify for up to $8 million FDIC coverage through program banks, subject to placement and ownership limits. NerdWallet search results show a higher conditional ceiling, but direct access was blocked and the figure is not used as an issuer term. Sources accessed October 28: Wealthfront Cash · Rate support · Fees · NerdWallet cash-management comparison
Savings and cash management are ranked separately. Bask is the current no-minimum base-rate savings choice; Openbank’s 4.35% headline is a temporary, eligibility-dependent rate and is not comparable as a permanent base. Bankrate’s October 27 table shows 4.33%, so the secondary comparison differs from the current issuer display. Wealthfront’s 3.55% base remains the cleanest cash-account comparison; conditional boosts are not ranked, and its sweep structure differs from a direct bank deposit. Terms not exposed in the current read remain unverified rather than assumed. These are shortlist designations for responsible lead review, not approvals; no account-opening or external action is recommended.
Evidence and caveats
Primary disclosures accessed October 28 govern the current shortlist. Bask’s official rate table is effective October 28; its separate 4.30% bundle has incomplete qualification and timing details. Openbank’s $500 opening minimum, no-fee statement, six-month boost, and 24 7 app access were visible, while movement terms remain unavailable. Bankrate’s October 27 comparison shows Openbank at 4.33%, below the issuer’s 4.35% display; the publisher does not replace issuer terms. Wealthfront is not a bank; FDIC eligibility depends on cash reaching program banks, placement, and ownership limits. Its current page confirms 3.55% base APY, but conditional boost details were not established in the current read. Direct NerdWallet access was blocked. Verify variable rates, offer eligibility, liquidity limits, and insurance allocation against controlling disclosures before any selection.