Apple Card High Yield Savings Account | Complete Review and Signup Demo

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The Apple Card High Yield Savings Account just became available. Learn why this Apple credit card high yield savings account is a great addition to the Apple Card and the Apple Wallet. I apply in this video for the Apple high yield savings account as a demo so you can see how to apply for the Apple Savings account. Learn here why the Apple Card High Yield Savings Account is a smart addition to the Apple product line.
Your host in this video has an undergraduate degree in Economics, an MBA in finance from Cornell University, earned the CFA charter (Chartered Financial Analyst), worked as an equity research analyst at top Wall Street firms, and has been the CFO of several software companies.
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Опубликовано:

20 апр 2023

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Комментарии : 246

@TheBestWill Год назад

What other financial products would you like a review on? Thanks for commenting!

@GaryASobek Год назад

Any that are as high or higher yield.

@JwalinPandya Год назад

Could you please compare paypal credit vs x1 credit card vs apple credit card?

@u2fkeys665 Год назад

I rather go with Robinhood

@faithfamilyandfuntech5062 Год назад

Thanks for this…I wondered if you know whether QBO can add Apple Card

@MattOehrlein Год назад

fidelity cash management/taxable brokerage account

@marciam3451 Год назад

Thank you for the walkthrough. I had no issues. 4.15% is a lot better than 0.

@thebootielover Год назад

If Apple was really smart they would raise cash back percentages. Apple products 4%, apple pay 3%, and apple card 2%. This is what I want Apple to do.

@TheBestWill Год назад

That would be great!

@braskabani8011 Год назад

I know. The apple physical card is the most pointless card. Might as well use cash or debit card instead.

@mbgomez89 Год назад

@@braskabani8011 1% back is still better than 0% back, let alone the additional protections you get with credit cards

@devinmurray5280 Год назад

@@braskabani8011 debit is actually worthless and shouldn’t ever be used.

@BootyWarrior80892 Год назад

@@devinmurray5280 😂 log out

@attilioiemolo4163 Год назад

Thank you, William! You are passing very helpful information in a clear and straightforward way, Excellent 🙂

@azstmpr Год назад

Clear and concise, thanks for the video. I believe they charge a percentage if you move the money to another bank.

@ThePatrickHoban Год назад

Nice video. I liked how you broke down how the components within the wallet relate.

@jeepdog5 Год назад

Nice video William. The card and savings acct are a great duo!

@jimrkelly Год назад

It has been a long time since I saw a pure white credit card image! It changes colors every time you use it. Not the physical card of course. Good content!

@rambo4war Год назад

Once you get a couple of thousands in the savings account, the compound interest plus cash back will eat up a lot of other credit card rewards programs, maybe all of them. secondly if you use the Apple Card as a debit card for those things you would have bought regardless, and pay it off monthly….it is the perfect tracking and budgeting card. I have been a user since it first came out in 2019, and it was a no brainer to get the account the day it was offered.

@TheBestWill Год назад

I'm going to be digging more into credit cards and rewards programs. I'm new to that world - never paid much attention to it - but it's kind of interesting. If you're clever, it looks like a person can really rack up Rewards points on spending that they would do anyway, so it's a big win. You're soooo correct... pay it off every month! The interest rates on balances are getting insane!

@AF9D2 Год назад

Excellent video William! Pushing some chips in on the 🍎Card & Savings Account💰. 4.15 APY 🤯 is so much better than 0!

@benlake4803 Год назад

I'm mostly outside the country these days and was able to open the savings account and transfer funds from my linked back after transferring funds to the linked bank first from another source. I use the physical card a lot in countries where the terminals don't accept contact-less and the "titanium" card is a sure conversation starter with the clerk. Apple's card has payment due at the end of the following month so a purchase on the first is due at the end of the following month. That and no foreign transaction fees make it my favorite.

@TheBestWill Год назад

Thanks, Ben! Great info on additional uses.

@themarvelofe-bikes3052 Год назад

Just opened it. Easy is an understatement. Thanks!

@TheBestWill Год назад

Thank you for commenting!

@cwilliams7955 Год назад

Many thanks…this video was super helpful

@TheBestWill Год назад

You're very welcome!

@xSolidSnake1988 11 месяцев назад

Very clean explanation ty. Can you do a review on the fidelity credit card? And how it works.

@xorlb Год назад

Honestly, that's very convenient. Thanks!

@Aljobritt Год назад

thank you so much for the video

@mountainmonkey15 Год назад

Your video quality is pristine

@TheBestWill Год назад

Thank you!

@savagecub Год назад

A great summary. Thanks for sharing

@TheBestWill Год назад

Thanks very much!

@ae0954 Год назад

Thanks for the info

@redvelvet8983 Год назад

That’s a higher yield than a lot of banks 😮. Thanks 🎉🎉🎉

@mariuszarszylo1476 Год назад

Excellent and concise review. Thank you

@TheBestWill Год назад

Thank you very much!

@leonardgoffe7159 Год назад

4.15% is a "high-yield" rate, better than some CDs and is FDIC insured

@lekeKar Год назад

Yup! definatly sharing this vid. Nice work and love the beard!

@TheBestWill Год назад

Thanks!

@JRamen12 Год назад

Sweet! Exactly what I wanted to learn about. Would love to know your thoughts and breakdown on Apple Card. It seems less beneficial compared to other credit cards

@joyjadlocon 2 месяца назад

I like this, it's very straight forwards!

@jasondalton6182 Год назад

Hey will. Great video. I applied and moved a chinch of change out of a zero earnings savings account at JPM.

@TheBestWill Год назад

Enjoy your extra $$!

@mgaming7 Год назад

signed up while watching. took 15 seconds

@MrBipulpandey 8 месяцев назад

This was extremely useful. Thank you.

@TheBestWill 8 месяцев назад

Glad it was helpful!

@asdf51501 Год назад

Thanks, that was helpful.

@TheBestWill Год назад

Thank you, much appreciated!

@bongmanding Год назад

Very helpful. I appreciate it a lot. I like it when I am given the instructions as if I am an 8 year old child. I really do. I am a 48-year old healthcare professional but I love clear, almost spoon-feeding instructions. I appreciate your video, sir.

@mikeschwartz2268 Год назад

From the moment they announced it I looked for the saving account option as I’ve had an Apple Card for a long time. Thanks to you, I finally got it opened! Talk about buried! LOL.

@TheBestWill Год назад

Thanks! Yes, it's a little buried in the menus!

@Espesia1 Год назад

Great video. Great content delivery. Thanks for your hard work!

@TheBestWill Год назад

Thanks, Mike.

@KismetBP Год назад

Great video thanks! ❤🤘

@TheBestWill Год назад

thanks!

@theDougAngle Год назад

It should be noted that you must be on iOS version 16.4.1 to have this option available to you. Thanks for the info!

@draughonc Год назад

Thanks! I was wondering why I didn’t have the prompt to open an account

@abrahamlincoln1600 Год назад

Thanks. I hope he pins this comment.

@samuelhardy5882 Год назад

This video was a 10/10

@TheBestWill Год назад

Wow, thanks! Much appreciated!

@epdiablo25 Год назад

Nice video. I’ve considered getting an Apple Card before because of the benefits but I will definitely be doing this also. I may transfer money from my bank saving account also. the interest on that account is a joke

@Saul-vt1th Год назад

Amazing explanation!. Now I understand better!. Could you do a review on Chime? I was searching, but didn’t found any useful and easy to understand one.

@chasca23 10 месяцев назад

Cash advance for reckless, and financially uneducated Americans who are already very deep in debt.

@Ben81424 Год назад

Thank you for sharing! I did want to point out that the Apple Wallet app specifically isn’t available on iPad or Mac since those devices can’t be used to make payments in store or house any boarding passes, IDs, etc. However the Apple Pay feature is accessible inside Settings on iPad and Mac. Once setup you can use it to make payments online quickly and securely using biometrics or view account information.

@TheBestWill Год назад

Thanks, Ben! Excellent clarification. Yes, the necessary hardware is not in iPads or Macs, only on iPhones.

@2011Savere Год назад

What I like about apple is its very easy and point blank on how to use the services. Whereas when you go to other institutions it’s all difficult to figure out.

@TheBestWill Год назад

I really like the user interface for the Card and the Savings Account in the wallet. Very slick!

@yopa2523 Год назад

Thanks

@vet330_ Год назад

Hey this was a nice breakdown. I appreciate the work you put into this video!

@TheBestWill Год назад

Thanks you, much appreciated!

@blackfalcon1324 8 месяцев назад

My understanding is you can make ACH payments with the savings account, it does have a routing number and accounts number.

@lilliancervantes7650 Год назад

i love this video!!!!

@TheBestWill Год назад

Thank you, you're too kind!

@nabsiegel Год назад

Overcast. Hell yeah.

@victors16811 Год назад

Apple have my contacts, my images, my life, my work, my music my investment, my debt and now my savings! I belong to apple

@TheBestWill Год назад

So true!

@emilylovespowder Год назад

Great content! Can you help us understand bond ladders and if you suggest going that route with your prediction of a recession. thx :)

@TheBestWill Год назад

Hi, Thanks for the compliment and video idea suggestion! I'll add that to the list of ideas for me to pursue. I'd be doing you a disservice If I tried to give a short answer here.

@21Million Год назад

Would have been nice to see what the screen looks like where you setup routing number to bank

@summitsusie 10 месяцев назад

Limited use other than SAVINGS. Dump your money in while the interest rates are "high". Paying better than most bonds, so a good avenue for fixed rate return (or consider a CD). Interest rates will likely drop over the next 12-18 months but good for now.

@robertpolk5406 Год назад

No sign of it yet on my device. I have latest IOS, but zip so far

@alienonfire Год назад

@William Lee - I have been researching this topic and going through several video breakdowns for the past few days, to find a good one to recommend, and yours is by far the best one. Liked & subscribed!

@TheBestWill Год назад

Thank you, very nice of you to say so!

@xxLUVxx100 6 месяцев назад

Sorry for the dumb question but can I take out my money at any time? without any fees?

@adonhd7 Год назад

Very Good

@TheBestWill Год назад

Thanks!

@scottphillips6847 10 месяцев назад

I'm curious if the Apple accounts are currency agnostic. Can the funds be in Euros or Pounds? I will research this through Apple, but if you know please share. Thanks.

@joseichoshow9846 Год назад

I been denied more once for the apple credit card. I been working on my credit a lot. I have a lot of credit cards. But I finally got the apple credit card. I happy now

@TheBestWill Год назад

Excellent, congrats!

@avmagic Год назад

When I press on the ..., it goes directly to card details.

@TA8sometimes 25 дней назад

It’s 4.4% now

@leafsfan71 Год назад

Great video! Can this account be a joint account?

@TheBestWill Год назад

Hi - Good question. No, the account can only be an individual account. Can't make it a joint account.

@xuantran1959 Год назад

I didn’t get that option.

@d3r3kyasmar Год назад

Thank you.

@shahdjaziri9604 5 месяцев назад

Do I get taxed on this? or need to pay any fees. I want to open up one but it is intimidating for me. I do not want to open up an account knowing I can't pay its fees or anything like that.

@Saqel 10 месяцев назад

Nice brothers 👍🇮🇩

@rykerpercival8931 Год назад

Hoping they add buckets like ALLY has.

@TheBestWill Год назад

That would be a really nice addition!

@Driven.ByVlad Год назад

You can pay other bills with the account in my experience and in the questions I asked apple

@TheBestWill Год назад

Great, thanks, good to know!

@LifeStartsAtrpm-ru1xo 3 месяца назад

Thank you all for buying Apple (financial) products. My Apple stock is yielding nice profits!

@PokerFart Год назад

Apple is probably the safest bank for your money today.

@chollettgarrett Год назад

How can you give a review? It’s been a day!

@Erik.an7 2 месяца назад

Only concern u can see saving account & balance and account details when open the wallet app without any security !!!

@Vjay1 Год назад

The only way to sign up for this is with a IPhone, you can’t use a IPad or a Mac, it would appear Apple is using this to push IPhone sales too.

@rickriggins195 4 месяца назад

It has increased from 4.15 quite a bit

@keska01 Год назад

can you transfer money from another bank e.g. Capital one?

@TheBestWill Год назад

Yes, you can transfer funds from other banks into the Apple savings account.

@xXAboo805Xx Год назад

Maybe I didn't catch it but instead of transferring your money into a linked bank account you can simply transfer it to the Apple Cash card and spend your money from there.

@TheBestWill Год назад

Yes, that's right.

@tamwilfred Год назад

It all depends if you are a credit card nerd and want to maximize benefits from your spending. I haven't looked into all the details but it seems like you won't get any cashback for using the Apple Cash card compared to just using the Apple Credit card and getting 2% with Apple Pay or 1% with the card. Or if you rotate credit cards based on the category then you can get 5% back with a credit card and then just transfer money into a bank and pay off your credit cards. That might be an extra step but since everything is done on your phone nothing is too hard nowadays. You can probably do these task next time you have to wait in line at the grocery store or something.

@StannisTheMannis305 Год назад

But there are no rewards using Apple Cash.

@THEFIRE360 Год назад

is there an option to automatically deposit from my regular bank account?

@tss1305 Год назад

@ramonvalverde6798 Год назад

Been trying to do this but I don’t have a (savings set up) link on my Daily Cash. Wonder why

@TheBestWill Год назад

Hi - Just do a quick google search asking if your device and iOS version supports Apple Savings. Not all do, so you'll need to check. If you haven't yet, try updating your iOS to make sure you're current.

@gabepaz2640 Год назад

It’s been 3 weeks and I still don’t have the option to open the savings account. Maybe I should just call.

@user-fb9zk7hr4j Год назад

I found it easy to open up the account however ran into an issue trying to connect one of my brokerage cash management accounts to fund it. While the account showed up as available whenever I tried to fund the saving account it said the brokerage account wasn’t “verified”. I spent 3 hours with support (mostly just holding) being transferred around. Once hitting the 3rd hour, I had the rep cancel the account. If it is that hard to get money in, I wondered how hard it would be to get money out. By far the worst experience I have had with an Apple product.

@TheBestWill Год назад

Ouch! Sorry to hear that.

@user-os5hb1vq1v 8 месяцев назад

Wiiliam, can I transfer my existing Apple cash into the high yield account?

@TheBestWill 8 месяцев назад

I believe yes, after you open the Apple savings account.

@justinguarino201 21 день назад

I just can’t seem to find out if I have to report the savings to the IRS, or if that’s done automatically (which is why they ask for SSN)

@TheBestWill 21 день назад

Yes, you would need to report the interest you earn on the savings account with your tax return.

@JesseJames_Games Год назад

Mine doesn’t say set up savings, just a Nike ad and invite friends, how else can you get the savings account

@TheBestWill Год назад

Hard to answer because I don't know what phone you have. I'd suggest you do a google search and include your device and the ios version in your search. You should be able to find it there. Good luck!

@birilol Год назад

Is this available in Europe?

@TheBestWill Год назад

I just checked the rules, and it is available only for U.S. citizens.

@donlibes Год назад

Excellent video but I'm not convinced about your comment at 7:30 that Apple has access to the money - since the account is really at Goldman Sachs. Yes, they could have worked out a split but more likely, Apple is simply using this as a wedge to drive further into their customers' financial life while at the same time making it that much less attractive for customers to leave the Apple ecosystem. None of that really concerns me. But I do wonder how long before that 4.15% rate goes down.

@TheBestWill Год назад

Thanks very much, Don, I appreciate it! Re. the banking question, I probably didn't explain my thinking very well. I don't mean that Apple directly has access to the money. What I meant was this: When Apple sells a computer to someone on credit, some business finances that loan. I assumed Apple did themselves. So now Apple has a receivable. Because Apple - through the banking relationship with Goldman - is now attracting deposits, Goldman could, acting like any other bank, finance Apple's receivables. Doesn't mean I'm right, but that's what I had in mind.

@thekiller867ify Год назад

Is apple saving better then the acorn investing ? New here

@TheBestWill Год назад

Apple Savings is a savings account, just like a savings account at a bank, that pays 4.15% interest at the moment. Acorns Investing is an interesting investing service, but is not a savings account. So I wouldn't say that one is better than the other, they're just different.

@theonlyone83 Год назад

Something to note. I have an Ipad and not an Iphone, Ipads don't have the wallet app. You can sign up for the Apple CC and see in the settings under wallet but you can't actually get the app on an Ipad. Pretty disappointing on apples part.

@MarcosElMalo2 Год назад

You can fully access the wallet on your iPad in settings (as you note). It should appear just under the settings for the App Store. If there’s a functional difference between the interface available in settings on the iPad vs the stand alone app on the iPhone, I’m not aware of it. Other than having the app icon, is there something the iPhone app has that is missing from iPad’s wallet? (Personally, I prefer the iPad wallet because it’s easier to see and read.

@tamwilfred Год назад

@@MarcosElMalo2 I have both iPad and iPhone. You can see the wallet on Ipad but I don't see my Apple Savings on my iPad.

@epdiablo25 Год назад

Would you recommend transferring a chunk of savings from a bank into this account? The rate at my bank is a joke and I could earn some nice cash at 4.15%

@TheBestWill Год назад

Apple is certainly a contender, if you want to keep cash in a savings account. Other alternatives to look at, which might pay a little more, are other online high-yield savings accounts, or CDs (can get this at a bank or through a brokerage), or money market funds (can buy this through a brokerage). Do some research to understand the potential risks for all of these so you can make an informed decision.

@epdiablo25 Год назад

@@TheBestWill Thanks so much William. I received some money in a settlement about a year ago and it’s just sitting in a savings account earning next to nothing. I want to invest some of it but am quite the novice when it comes to investments.

@TheBestWill Год назад

@@epdiablo25 If you want a quick video to learn a little bit about investing, maybe watch this one that I made recently: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-2l8LORsfOSg.html

@tycox8704 Год назад

Is there a limit on how much you can deposit? Can funds be deposited via check?

@TheBestWill Год назад

I don't think you can add money with a check. I believe it is only with an electronic transfer from another bank. As far as I know, there is no limit on how much you can deposit.

@motofunk1 Год назад

There is a 250k Maximum balance and they will refund to you via check if you exceed that amount. Matches the FDIC limit anyway, but there is a limit. Not sure if you can deposit that total amount initially.

@motofunk1 Год назад

Also consider this stance from them... "WE MAY ISSUE YOU A CHECK IF WE OR YOU CLOSE YOUR ACCOUNT OR IF YOU EXCEED THE MAXIMUM DEPOSIT LIMIT. IF THE CHECK ISSUED TO YOU IS LOST, STOLEN, OR DESTROYED, PLEASE CALL US IMMEDIATELY. WE MAY NOT REISSUE YOU A CHECK OR PROVIDE YOU WITH REPLACEMENT FUNDS UNLESS 90 DAYS HAVE PASSED AND YOU HAVE PROVIDED AN AFFIDAVIT ATTESTING THE CHECK IS LOST, STOLEN, OR DESTROYED."

@Brantastic07 4 месяца назад

The APY is 4.50% now

@Ryan-iq2zd Год назад

How do you transfer your Apple Cash into your savings account?

@TheBestWill Год назад

To transfer your existing Apple Cash balance into Savings: Ensure you have verified your identity in the Apple Cash Card. You can do this in the Wallet App by tapping Apple Cash, then tap the 3dot menu. Tap Card Details, then tap Verify Identity near the bottom of the page. Then - You can initiate an Apple Cash transfer in the Wallet by tapping Apple Card. Tap on Savings, and a box will ask if you want to transfer your Apple Cash balance. Clicked on that and follow the prompts.

@Ryan-iq2zd Год назад

@@TheBestWill thank you so much. I really appreciate it. Have a great day…

@huevow Год назад

@@TheBestWill Nice, I couldn’t figure this out.

@oldmaninthemirror Год назад

I just created my savings account after watching this video. My Apple Cash was automatically transferred to the savings account. It is April 29 2023. I did not have to take any steps to transfer.

@Redallstar1 Год назад

I opened an account but do not see an option to add beneficiaries.

@TheBestWill Год назад

Add or remove a beneficiary for your Savings account: 1. On your iPhone, open the Wallet app and tap Apple Card. 2. Tap Savings account. 3. Tap the More button. , then tap Account Details. 4. Scroll down and tap Account Information, then tap Manage Beneficiaries. 5. Tap the support number to speak with a Savings Account Specialist.

@rcondona4011 Год назад

I don’t have options to savings in Apple Wallet

@TheBestWill Год назад

Hi - If you haven't yet, check what version of iOS your phone is on. Savings requires iOS 16.4 or later. I had that problem myself, and then when I upgraded I could then see Savings.

@RHEYMS Год назад

Agree, I had the same issue but when I updated my iOS, I was then able to see the option to open a savings account.

@VulgarMenace96 Год назад

Is that 4.15% deposited monthly? So if I deposit $100, I would have $104.15 at the end of the month and so on?

@TheBestWill Год назад

No, that is 4.15% for the full year, so you would get about 1/12 that amount each month.

@tamwilfred Год назад

I have a savings account. They deposit your earning monthly though. For most banks the quoted yield is APY. APY stands for "Annual Percentage Yield" which is a percentage that reflects the amount of money, or interest, you earn on money in a bank account over one year

@ryanfitzsimons7388 Год назад

Can’t seem to use my Apple savings account as a source of payment to pay my Apple credit card. Bizarre, just like you have to call customer service to link an external bank. I’ll just initiate money out of my account from my external bank until Apple figures this out.

@mochikiki Год назад

I’ve transferred to Apple savings for 5 days now. I still haven’t acquired any interest yet, does Apple take a long time to process or something?

@TheBestWill Год назад

Interest that you earn is compounded daily and credited to your Savings account monthly.

@michaelhunt2747 Год назад

I didn’t like how high the apr was on the apple card. I have pretty good credit and it was still crazy high. I know you shouldn’t carry a balance but sometimes things happen.

@TheBestWill Год назад

Good point, thanks for highlighting that!

@sotonin Год назад

Most people buy with financing and then the interest is moot. Pay it off monthly

@kg4gav Год назад

My Amazon Prime (Chase) card is 24.24% APR, Apple is 15.74%. I have a $9600 limit with Chase, and $11,500 with Apple. I have a couple of other store cards that I only got because they had a good deal if I signed up. I made the 1 purchase, paid it off and the cards sit in a drawer. I remember these also had ridiculous APR's. My credit score is 795 with TransUnion and 811 with Equifax, 789 with Experian, not too shabby. I'm not sure where these card companies are getting their interest rates. Of the cards I have, Apple is the best rate. Fortunately, I only use my cards for the rewards, so I pay them off weekly and the interest rates don't matter to me.

@montyjackson9905 Год назад

For some reason savings doesn’t show as an option in Daily Cash. I do have the Apple Card

@javierchangking Год назад

Same here

@FullyLooted Год назад

Update to 4.1

@tamwilfred Год назад

I had the same issue. You have to have the latest firmware to access it. Also I had to restart the phone once or twice to see the option. It's in your Apple Credit card tab.

@andrewzacks Год назад

Surprised you did not discuss Goldman’s role. It seems like Apple is just the marketer?

@TheBestWill Год назад

That's how I see it, too, but there wasn't much disclosed about how exactly they're working together, and I didn't want to guess.

@williamllambelis3254 Год назад

Is that 4% paid out every month ?

@TheBestWill Год назад

Interest that you earn is compounded daily and credited to your Savings account monthly

@williamllambelis3254 Год назад

@@TheBestWill so does the compound end up being 4.15% at the end of every month or does the year end up being 4.15%

@TheBestWill Год назад

@@williamllambelis3254 The year ends up being 4.15%.

@jbar_85 Год назад

I’m staying at CiT Bank. Their savings rate is excellent.

@TheBestWill Год назад

Thanks, Jess! I'll take a look.

@haze1123 Год назад

Nice overview, but you failed to mention that 4.15% on a savings account is WAY better than you can get at almost any other large bank. BofA is 0.03%, Wells is 0.01%, Citi is 0.01%, Chase is 0.01%. Apple customers would be foolish not to use it.

@alfredomora5555 Год назад

Apple user here but I went with Wealthfront instead. Currently getting 5.05%

@edouardbeauvais Год назад

Rebate cash does not equal "pre-paid debit card."

@bjtwuk Год назад

Why did you say that the Apple Credit Card is excellent? It pays 3% on Apple purchases and a few other businesses, which is good and it pays 2% for ApplePay purchases. But other than that, it pays 1% everywhere else. Most of my purchases are not retail where ApplePay is accepted. They are internet purchases, utility bills and insurance premiums which are not payable with ApplePay, so I would be stuck with 1% if I used AppleCard. Also, it's a MasterCard, which is not accepted at Costco. I would rather use a Wells Fargo Active Cash credit card, which I get 2% on every purchase -- ApplePay or not -- and since it is a VISA, I can use it at Costco. But the 4.15% savings account is a good deal. You mentioned that there are other banks that pay more than that on regular savings, but the Apple Savings Account is extremely accessible and easy to use.

@stepank765 Год назад

Inflation rate of dollar nearly 3,7 % each ear, so is I’m right that, at the end of the year you will get not your 4.15% but de facto it will become some .5% at the end of the year. Not so fantastic 😊

@TheBestWill Год назад

Very true, but that's a problem in general!