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Your bank might be ripping you off. The big 3 banks in the US are only paying you 0.01% APY on your cash. Meanwhile many online banks are offering over 4.00% APY! The one I use offers up to 4.30% APY, but also offers checking accounts (with debit card), brokerage accounts, retirement accounts, robo advisor and more. πŸ”— in my bi0 has a nice sign up bonus 😺
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