I'm changing my primary bank account. That's the headline.
Most of my spare cash goes to live in the treasury bills and CD's. The more liquid cash that I need for immediate future goes into my savings account, one that pays 4.3% on Capital One Savings account. My BofA account pays pretty negligible money anyway.
The remaining spare cash goes to my checkings account from CapitalOne because I get money 2 days before regular pay period, thanks to their 'early pay' feature. So not only am I getting paid more returns for my sitting money, I'm also getting my money earlier, and consolidating it all on a reliable bank account from CapitalOne.
There's nothing in BofA account except the fact that I created the account first, and it's easy to use, or whatever. Yeah so bye bye Bank of America!
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