Signal board
Questions that reveal what the headline hides.
Is the percentage APY or a nominal interest rate?
Do not compare unlike labels.
Do not compare unlike labels.
Does the rate apply to the full balance?
Check tiers, caps, and “up to” wording.
Check tiers, caps, and “up to” wording.
Is it available to everyone?
Review geography, new-customer rules, linked accounts, and deposit requirements.
Review geography, new-customer rules, linked accounts, and deposit requirements.
Can the rate change at any time?
Variable does not mean guaranteed for a year.
Variable does not mean guaranteed for a year.
Are monthly fees waived only under conditions?
A fee can reduce the practical value of the rate.
A fee can reduce the practical value of the rate.
How quickly can funds leave?
Transfer delays and holds matter when cash is meant to stay accessible.
Transfer delays and holds matter when cash is meant to stay accessible.
What protection framework applies?
Confirm the product type and provider disclosures directly.
Confirm the product type and provider disclosures directly.