{
 "publisher": "VaultRubric",
 "url": "https://vaultrubric.com",
 "generated": "2026-10-11",
 "license": "Free to use, quote and cite with attribution: 'Source: VaultRubric (vaultrubric.com)' and a link to the relevant vaultrubric.com page. Facts carry their original source URL and as-of date; scores are VaultRubric's methodology (https://vaultrubric.com/methodology). Not investment advice.",
 "methodology": "https://vaultrubric.com/methodology",
 "attribution": "Source: VaultRubric (vaultrubric.com)",
 "category": "High-yield savings",
 "slug": "high-yield-savings",
 "criteria": {
  "apy": "APY (standard rate)",
  "min_balance": "Minimum to earn APY",
  "fees": "Fees",
  "insurance": "Deposit insurance",
  "regulatory": "Regulatory record"
 },
 "scoring": "Equal weights across the whole category; scores are relative to the products in this file (head-to-head pages compare only the listed products, so numbers differ).",
 "category_pick": null,
 "too_close_to_call": [
  "EverBank",
  "Bread Savings"
 ],
 "products": [
  {
   "name": "EverBank",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 98.0,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "4.2% APY (as of 2026-10-10). Score = 10 × 4.2 / best 4.2.",
     "sources": [
      "https://www.everbank.com/banking/performance-savings"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.everbank.com/banking/performance-savings"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.everbank.com/banking/performance-savings"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC-insured (EverBank, N.A.). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://api.fdic.gov/banks/institutions?filters=CERT:34775",
      "https://api.fdic.gov/banks/institutions?filters=CERT:34775"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×10.0 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.80 → 98.0%",
   "facts": {
    "official_url": {
     "value": "https://www.everbank.com/banking/performance-savings",
     "as_of": "2026-10-10",
     "source_url": "https://www.everbank.com/banking/performance-savings",
     "source_type": "official"
    },
    "apy": {
     "value": 4.2,
     "as_of": "2026-10-10",
     "source_url": "https://www.everbank.com/banking/performance-savings",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.everbank.com/banking/performance-savings",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.everbank.com/banking/performance-savings",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC-insured (EverBank, N.A.)",
     "as_of": "2026-10-10",
     "source_url": "https://www.everbank.com/banking/performance-savings",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:34775",
     "source_type": "regulator"
    },
    "app_access": {
     "value": "Mobile and online access",
     "as_of": "2026-10-10",
     "source_url": "https://www.everbank.com/banking/performance-savings",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 34775,
      "legal_name": "EverBank, National Association"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:34775",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "Bread Savings",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 97.2,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 9.6,
     "imputed_score": null,
     "basis": "4.05% APY (as of 2026-10-10). Score = 10 × 4.05 / best 4.2.",
     "sources": [
      "https://savings.breadfinancial.com/products/high-yield-savings-account"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$1.00 minimum to earn APY (as of 2026-09-30) ⚑ third-party source (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://banktruth.com/bank-reviews/bread-savings"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-07) ⚑ third-party source (10 − 2 per $1/mo)",
     "sources": [
      "https://money8020.com/products/bread-savings/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-07) ⚑ third-party source; FDIC; Comenity Capital Bank (Utah state-chartered). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://money8020.com/products/bread-savings/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:57570"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×9.6 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.72 → 97.2%",
   "facts": {
    "official_url": {
     "value": "https://savings.breadfinancial.com/products/high-yield-savings-account",
     "as_of": "2026-10-10",
     "source_url": "https://savings.breadfinancial.com/products/high-yield-savings-account",
     "source_type": "official"
    },
    "apy": {
     "value": 4.05,
     "as_of": "2026-10-10",
     "source_url": "https://savings.breadfinancial.com/products/high-yield-savings-account",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 1,
     "as_of": "2026-09-30",
     "source_url": "https://banktruth.com/bank-reviews/bread-savings",
     "source_type": "third_party"
    },
    "min_opening_deposit": {
     "value": 100,
     "as_of": "2026-10-10",
     "source_url": "https://savings.breadfinancial.com/products/high-yield-savings-account",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-07",
     "source_url": "https://money8020.com/products/bread-savings/",
     "source_type": "third_party"
    },
    "insurer_and_charter": {
     "value": "FDIC; Comenity Capital Bank (Utah state-chartered)",
     "as_of": "2026-10-10",
     "source_url": "https://savings.breadfinancial.com/products/high-yield-savings-account",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-07",
     "source_url": "https://money8020.com/products/bread-savings/",
     "source_type": "third_party"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 57570,
      "legal_name": "Comenity Capital Bank"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:57570",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "Wealthfront Cash",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 97.0,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 8.5,
     "imputed_score": null,
     "basis": "3.55% APY (as of 2026-10-10). Score = 10 × 3.55 / best 4.2.",
     "sources": [
      "https://www.wealthfront.com/cash"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-11) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.wealthfront.com/cash"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.wealthfront.com/cash"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Up to $8,000,000 coverage (as of 2026-10-10); Not a bank; sweep to FDIC-insured program banks. (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.wealthfront.com/cash"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: Only SEC action found is Dec 2018 ($250K) — outside 5-year window",
     "sources": [
      "https://www.sec.gov/newsroom/press-releases/2018-300"
     ]
    }
   ],
   "score_math": "0.200×8.5 + 0.200×10.0 + 0.200×10.0 + 0.200×10.0 + 0.200×10.0 = 9.70 → 97.0%",
   "facts": {
    "official_url": {
     "value": "https://www.wealthfront.com/cash",
     "as_of": "2026-10-10",
     "source_url": "https://www.wealthfront.com/cash",
     "source_type": "official"
    },
    "apy": {
     "value": 3.55,
     "as_of": "2026-10-10",
     "source_url": "https://www.wealthfront.com/cash",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-11",
     "source_url": "https://www.wealthfront.com/cash",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.wealthfront.com/cash",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "Not a bank; sweep to FDIC-insured program banks",
     "as_of": "2026-10-10",
     "source_url": "https://www.wealthfront.com/cash",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 8000000,
     "as_of": "2026-10-10",
     "source_url": "https://www.wealthfront.com/cash",
     "source_type": "official"
    },
    "app_access": {
     "value": "Free 24/7 instant withdrawals",
     "as_of": "2026-10-10",
     "source_url": "https://www.wealthfront.com/cash",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.sec.gov/newsroom/press-releases/2018-300",
     "source_type": "official"
    },
    "promo": {
     "value": {
      "apy": "up to 4.45%",
      "boost_cap": "$150,000"
     },
     "as_of": "2026-10-01",
     "source_url": "https://www.wealthfront.com/cash",
     "source_type": "official"
    }
   }
  },
  {
   "name": "Bask Bank",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 96.6,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 9.3,
     "imputed_score": null,
     "basis": "3.9% APY (as of 2026-10-10). Score = 10 × 3.9 / best 4.2.",
     "sources": [
      "https://www.baskbank.com/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.baskbank.com/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.baskbank.com/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; Bask Bank is a division of Texas Capital Bank (combined coverage). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.baskbank.com/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:34383"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×9.3 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.66 → 96.6%",
   "facts": {
    "official_url": {
     "value": "https://www.baskbank.com/",
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    },
    "apy": {
     "value": 3.9,
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC; Bask Bank is a division of Texas Capital Bank (combined coverage)",
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    },
    "atm_access": {
     "value": "55,000+ Allpoint ATMs via Bask Interest Checking debit card",
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    },
    "support_channels": {
     "value": "Phone 833-260-4320 (7am–7pm), email customersupport@baskbank.com",
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 34383,
      "legal_name": "Texas Capital Bank"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:34383",
     "source_type": "regulator"
    },
    "promo": {
     "value": {
      "apy": "4.30% (0.40% boost) with checking bundle, up to 6 months, + up to $300"
     },
     "as_of": "2026-10-10",
     "source_url": "https://www.baskbank.com/",
     "source_type": "official"
    }
   }
  },
  {
   "name": "Openbank",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 96.0,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "3.8% APY (as of 2026-10-10). Score = 10 × 3.8 / best 4.2.",
     "sources": [
      "https://www.openbank.us/banking/high-yield-savings-account"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.01 minimum to earn APY (as of 2026-10-09) ⚑ third-party source (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.bankrate.com/banking/reviews/openbank/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-09) ⚑ third-party source (10 − 2 per $1/mo)",
     "sources": [
      "https://www.bankrate.com/banking/reviews/openbank/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; Openbank is a division of Santander Bank, N.A. (combined coverage). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.openbank.us/banking/high-yield-savings-account",
      "https://api.fdic.gov/banks/institutions?filters=CERT:29950"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search. Santander Bank N.A. CFPB action Jul 14, 2016 (outside window) Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×9.0 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.60 → 96.0%",
   "facts": {
    "official_url": {
     "value": "https://www.openbank.us/banking/high-yield-savings-account",
     "as_of": "2026-10-10",
     "source_url": "https://www.openbank.us/banking/high-yield-savings-account",
     "source_type": "official"
    },
    "apy": {
     "value": 3.8,
     "as_of": "2026-10-10",
     "source_url": "https://www.openbank.us/banking/high-yield-savings-account",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0.01,
     "as_of": "2026-10-09",
     "source_url": "https://www.bankrate.com/banking/reviews/openbank/",
     "source_type": "third_party"
    },
    "min_opening_deposit": {
     "value": 500,
     "as_of": "2026-10-10",
     "source_url": "https://www.openbank.us/banking/high-yield-savings-account",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-09",
     "source_url": "https://www.bankrate.com/banking/reviews/openbank/",
     "source_type": "third_party"
    },
    "insurer_and_charter": {
     "value": "FDIC; Openbank is a division of Santander Bank, N.A. (combined coverage)",
     "as_of": "2026-10-10",
     "source_url": "https://www.openbank.us/banking/high-yield-savings-account",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.openbank.us/banking/high-yield-savings-account",
     "source_type": "official"
    },
    "app_access": {
     "value": "Openbank app required (trusted device)",
     "as_of": "2026-10-10",
     "source_url": "https://www.openbank.us/banking/high-yield-savings-account",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 29950,
      "legal_name": "Santander Bank, N.A."
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:29950",
     "source_type": "regulator"
    },
    "promo": {
     "value": {
      "boost": "0.35% for 6 months (up to 4.15%)",
      "open_by": "2026-11-03"
     },
     "as_of": "2026-10-10",
     "source_url": "https://www.openbank.us/banking/high-yield-savings-account",
     "source_type": "official"
    }
   }
  },
  {
   "name": "Barclays",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 95.4,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 8.7,
     "imputed_score": null,
     "basis": "up to 3.65% (Tiered Savings)% APY (as of 2026-10-07). Tiered 'up to' rate. Score = 10 × 3.65 / best 4.2.",
     "sources": [
      "https://banking.barclaysus.com/online-savings.html"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://banking.barclaysus.com/online-savings.html"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://banking.barclaysus.com/online-savings.html"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); Member FDIC. (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://banking.barclaysus.com/online-savings.html",
      "https://api.fdic.gov/banks/institutions?filters=CERT:57203"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×8.7 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.54 → 95.4%",
   "facts": {
    "official_url": {
     "value": "https://banking.barclaysus.com/online-savings.html",
     "as_of": "2026-10-10",
     "source_url": "https://banking.barclaysus.com/online-savings.html",
     "source_type": "official"
    },
    "apy": {
     "value": "up to 3.65% (Tiered Savings)",
     "as_of": "2026-10-07",
     "source_url": "https://banking.barclaysus.com/online-savings.html",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://banking.barclaysus.com/online-savings.html",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://banking.barclaysus.com/online-savings.html",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://banking.barclaysus.com/online-savings.html",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "Member FDIC",
     "as_of": "2026-10-10",
     "source_url": "https://banking.barclaysus.com/online-savings.html",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://banking.barclaysus.com/online-savings.html",
     "source_type": "official"
    },
    "support_channels": {
     "value": "24/7 online access",
     "as_of": "2026-10-10",
     "source_url": "https://banking.barclaysus.com/online-savings.html",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 57203,
      "legal_name": "Barclays Bank Delaware"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:57203",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "Synchrony",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 95.0,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 8.5,
     "imputed_score": null,
     "basis": "3.55% APY (as of 2026-10-10) ⚑ third-party source. ⚠ UNVERIFIED: official page not readable; third-party figure, verify. Score = 10 × 3.55 / best 4.2.",
     "sources": [
      "https://yourbestsavings.com/banks/synchrony-bank/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.synchronybank.com/banking/high-yield-savings/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.synchronybank.com/banking/high-yield-savings/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; Synchrony Bank. (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.synchronybank.com/banking/high-yield-savings/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:27314"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: Only CFPB action found: Jun 19, 2014 (outside window)",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/synchrony-bank-fka-ge-capital-retail-bank/"
     ]
    }
   ],
   "score_math": "0.200×8.5 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.50 → 95.0%",
   "facts": {
    "official_url": {
     "value": "https://www.synchronybank.com/banking/high-yield-savings/",
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "apy": {
     "value": 3.55,
     "as_of": "2026-10-10",
     "source_url": "https://yourbestsavings.com/banks/synchrony-bank/",
     "source_type": "third_party"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC; Synchrony Bank",
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "atm_access": {
     "value": "Optional ATM card (Plus/Accel); domestic ATM fee refunds up to $5/cycle",
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "app_access": {
     "value": "Synchrony Bank app; mobile check deposit $2,000/day",
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "support_channels": {
     "value": "Phone 1-866-226-5638 (7am–midnight ET M–F, 8am–5pm Sat–Sun)",
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/synchrony-bank-fka-ge-capital-retail-bank/",
     "source_type": "regulator"
    },
    "status_note": {
     "value": "APY rendered by JS; not captured",
     "as_of": "2026-10-10",
     "source_url": "https://www.synchronybank.com/banking/high-yield-savings/",
     "source_type": "official"
    },
    "fdic_cert": {
     "value": {
      "cert": 27314,
      "legal_name": "Synchrony Bank"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:27314",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "UFB Direct",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 93.6,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 7.8,
     "imputed_score": null,
     "basis": "3.26% APY (as of 2026-10-10). Score = 10 × 3.26 / best 4.2.",
     "sources": [
      "https://www.ufbdirect.com/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.ufbdirect.com/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.ufbdirect.com/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); . (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://api.fdic.gov/banks/institutions?filters=CERT:35546",
      "https://api.fdic.gov/banks/institutions?filters=CERT:35546"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×7.8 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.36 → 93.6%",
   "facts": {
    "official_url": {
     "value": "https://www.ufbdirect.com/",
     "as_of": "2026-10-10",
     "source_url": "https://www.ufbdirect.com/",
     "source_type": "official"
    },
    "apy": {
     "value": 3.26,
     "as_of": "2026-10-10",
     "source_url": "https://www.ufbdirect.com/",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.ufbdirect.com/",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.ufbdirect.com/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.ufbdirect.com/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:35546",
     "source_type": "regulator"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "status_note": {
     "value": "Standard post-promo APY not captured",
     "as_of": "2026-10-10",
     "source_url": "https://www.ufbdirect.com/",
     "source_type": "official"
    },
    "fdic_cert": {
     "value": {
      "cert": 35546,
      "legal_name": "Axos Bank"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:35546",
     "source_type": "regulator"
    },
    "promo": {
     "value": {
      "apy": "up to 4.01%",
      "duration": "up to 6 months",
      "requires": "promo code"
     },
     "as_of": "2026-10-10",
     "source_url": "https://www.ufbdirect.com/",
     "source_type": "official"
    }
   }
  },
  {
   "name": "Ally",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 92.8,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 7.4,
     "imputed_score": null,
     "basis": "3.1% APY (as of 2026-10-10). Score = 10 × 3.1 / best 4.2.",
     "sources": [
      "https://www.ally.com/bank/online-savings-account/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.ally.com/bank/online-savings-account/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.ally.com/bank/online-savings-account/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; Ally Bank (cert 57803 per third party). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.ally.com/bank/online-savings-account/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:57803"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search. latest CFPB action Dec 20, 2013 Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×7.4 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.28 → 92.8%",
   "facts": {
    "official_url": {
     "value": "https://www.ally.com/bank/online-savings-account/",
     "as_of": "2026-10-10",
     "source_url": "https://www.ally.com/bank/online-savings-account/",
     "source_type": "official"
    },
    "apy": {
     "value": 3.1,
     "as_of": "2026-10-10",
     "source_url": "https://www.ally.com/bank/online-savings-account/",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.ally.com/bank/online-savings-account/",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.ally.com/bank/online-savings-account/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.ally.com/bank/online-savings-account/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC; Ally Bank (cert 57803 per third party)",
     "as_of": "2026-10-10",
     "source_url": "https://www.ally.com/bank/online-savings-account/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.ally.com/bank/online-savings-account/",
     "source_type": "official"
    },
    "atm_access": {
     "value": "Via Ally checking: 75,000+ no-fee ATMs, up to $10/cycle reimbursement",
     "as_of": "2026-10-03",
     "source_url": "https://hansgoldstein.com/hysa-reviews/marcus-vs-ally-hysa-comparison/",
     "source_type": "third_party"
    },
    "support_channels": {
     "value": "24/7 phone (877-247-2559), chat, email",
     "as_of": "2026-10-10",
     "source_url": "https://www.ally.com/bank/online-savings-account/",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 57803,
      "legal_name": "Ally Bank"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:57803",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "American Express HYSA",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 92.8,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 7.4,
     "imputed_score": null,
     "basis": "3.1% APY (as of 2026-10-10). Score = 10 × 3.1 / best 4.2.",
     "sources": [
      "https://www.americanexpress.com/en-us/banking/online-savings/account/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.americanexpress.com/en-us/banking/online-savings/account/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.americanexpress.com/en-us/banking/online-savings/account/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC member (American Express National Bank). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.americanexpress.com/en-us/banking/online-savings/account/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:27471"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search. latest CFPB action Aug 23, 2017 Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×7.4 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.28 → 92.8%",
   "facts": {
    "official_url": {
     "value": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "as_of": "2026-10-10",
     "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "source_type": "official"
    },
    "apy": {
     "value": 3.1,
     "as_of": "2026-10-10",
     "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC member (American Express National Bank)",
     "as_of": "2026-10-10",
     "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "source_type": "official"
    },
    "support_channels": {
     "value": "24/7 phone",
     "as_of": "2026-10-10",
     "source_url": "https://www.americanexpress.com/en-us/banking/online-savings/account/",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 27471,
      "legal_name": "American Express National Bank"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:27471",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "Betterment Cash",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 92.6,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [
    {
     "date": "2023-04-18",
     "type": "Regulatory: SEC: $9M penalty for tax-loss harvesting misstatements",
     "regulatory": true,
     "source": "https://www.sec.gov/newsroom/press-releases/2023-80"
    }
   ],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 8.3,
     "imputed_score": null,
     "basis": "3.5% APY (as of 2026-10-10). Score = 10 × 3.5 / best 4.2.",
     "sources": [
      "https://www.betterment.com/cash-reserve"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "$10.00 minimum to earn APY (as of 2026-09-21) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.betterment.com/cash-reserve"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.betterment.com/cash-reserve"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Up to $8,000,000 coverage (as of 2026-10-10); Not a bank; program banks sweep. (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.betterment.com/cash-reserve"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Base 10, −1 SEC 2023-04-18. Note: Checked 2026-10-11: SEC, FINRA. No newer regulator actions found. A 2026 private class action over cash sweep is pending (allegations only, not counted).",
     "sources": [
      "https://www.sec.gov/newsroom/press-releases/2023-80",
      "https://www.sec.gov/newsroom/press-releases/2023-80"
     ]
    }
   ],
   "score_math": "0.200×8.3 + 0.200×9.0 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 = 9.26 → 92.6%",
   "facts": {
    "official_url": {
     "value": "https://www.betterment.com/cash-reserve",
     "as_of": "2026-10-10",
     "source_url": "https://www.betterment.com/cash-reserve",
     "source_type": "official"
    },
    "apy": {
     "value": 3.5,
     "as_of": "2026-10-10",
     "source_url": "https://www.betterment.com/cash-reserve",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 10,
     "as_of": "2026-09-21",
     "source_url": "https://www.betterment.com/cash-reserve",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.betterment.com/cash-reserve",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "Not a bank; program banks sweep",
     "as_of": "2026-10-10",
     "source_url": "https://www.betterment.com/cash-reserve",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 8000000,
     "as_of": "2026-10-10",
     "source_url": "https://www.betterment.com/cash-reserve",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [
      {
       "date": "2023-04-18",
       "agency": "SEC",
       "summary": "$9M penalty for tax-loss harvesting misstatements",
       "url": "https://www.sec.gov/newsroom/press-releases/2023-80"
      }
     ],
     "as_of": "2026-10-11",
     "source_url": "https://www.sec.gov/newsroom/press-releases/2023-80",
     "source_type": "regulator"
    },
    "promo": {
     "value": {
      "boost": "0.75% on up to $1M",
      "ends": "2027-02-15"
     },
     "as_of": "2026-09-21",
     "source_url": "https://www.betterment.com/cash-reserve",
     "source_type": "official"
    }
   }
  },
  {
   "name": "LendingClub (now Happen Bank)",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 92.2,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 7.1,
     "imputed_score": null,
     "basis": "3.0% APY (as of 2026-10-11). Conditions: 4.20% LevelUp Rate requires $250+ in deposits each statement cycle; otherwise 3.00% Standard Rate. Score = 10 × 3.0 / best 4.2.",
     "sources": [
      "https://www.happen.com/legal/deposits/levelup-savings-t-and-cs"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.happen.com/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-11) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.happen.com/legal/deposits/levelup-savings-t-and-cs"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; Happen Bank, N.A. (formerly LendingClub Bank). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://api.fdic.gov/banks/institutions?filters=CERT:32551",
      "https://api.fdic.gov/banks/institutions?filters=CERT:32551"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×7.1 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 9.22 → 92.2%",
   "facts": {
    "official_url": {
     "value": "https://www.happen.com/",
     "as_of": "2026-10-10",
     "source_url": "https://www.happen.com/",
     "source_type": "official"
    },
    "apy": {
     "value": 3.0,
     "as_of": "2026-10-11",
     "source_url": "https://www.happen.com/legal/deposits/levelup-savings-t-and-cs",
     "source_type": "official"
    },
    "apy_conditions": {
     "value": "4.20% LevelUp Rate requires $250+ in deposits each statement cycle; otherwise 3.00% Standard Rate",
     "as_of": "2026-10-11",
     "source_url": "https://www.happen.com/legal/deposits/levelup-savings-t-and-cs",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.happen.com/",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 0,
     "as_of": "2026-10-11",
     "source_url": "https://www.happen.com/legal/deposits/levelup-savings-t-and-cs",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-11",
     "source_url": "https://www.happen.com/legal/deposits/levelup-savings-t-and-cs",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC; Happen Bank, N.A. (formerly LendingClub Bank)",
     "as_of": "2026-10-10",
     "source_url": "https://www.happen.com/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:32551",
     "source_type": "regulator"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "status_note": {
     "value": "lendingclub.com redirects to happen.com — rebrand",
     "as_of": "2026-10-10",
     "source_url": "https://www.happen.com/",
     "source_type": "official"
    },
    "fdic_cert": {
     "value": {
      "cert": 32551,
      "legal_name": "Happen Bank, National Association"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:32551",
     "source_type": "regulator"
    },
    "promo": {
     "value": {
      "apy": "4.20",
      "note": "LevelUp Rate with $250+ monthly deposits (conditional)"
     },
     "as_of": "2026-10-11",
     "source_url": "https://www.happen.com/personal-banking/savings/high-yield-savings",
     "source_type": "official"
    }
   }
  },
  {
   "name": "Capital One 360 Performance Savings",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 90.8,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [
    {
     "date": "2025-01-14",
     "type": "Regulatory: CFPB: CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27",
     "regulatory": true,
     "source": "https://clearinghouse.net/case/48226/"
    },
    {
     "date": "2026-04-20",
     "type": "Regulatory: Court (class action): $425M class settlement final approval; appeal pending (4th Cir. 26-1807); 360 Savings rate matched to Performance Savings eff. 2026-08-04",
     "regulatory": true,
     "source": "https://www.capitalone360savingsaccountlitigation.com/"
    }
   ],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 7.4,
     "imputed_score": null,
     "basis": "3.1% APY (as of 2026-10-11). Score = 10 × 3.1 / best 4.2.",
     "sources": [
      "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-11) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-11) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; Capital One, N.A.. (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:4297"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Base 10, 0 CFPB 2025-01-14 (dismissed), −1 Court (class action) 2026-04-20",
     "sources": [
      "https://www.capitalone360savingsaccountlitigation.com/",
      "https://clearinghouse.net/case/48226/",
      "https://www.capitalone360savingsaccountlitigation.com/"
     ]
    }
   ],
   "score_math": "0.200×7.4 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×9.0 = 9.08 → 90.8%",
   "facts": {
    "official_url": {
     "value": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
     "as_of": "2026-10-10",
     "source_url": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
     "source_type": "official"
    },
    "apy": {
     "value": 3.1,
     "as_of": "2026-10-11",
     "source_url": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-11",
     "source_url": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 0,
     "as_of": "2026-10-11",
     "source_url": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-11",
     "source_url": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC; Capital One, N.A.",
     "as_of": "2026-10-10",
     "source_url": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
     "source_type": "official"
    },
    "atm_access": {
     "value": "Physical branches available",
     "as_of": "2026-10-10",
     "source_url": "https://qz.com/best-high-yield-savings-accounts-2026",
     "source_type": "third_party"
    },
    "regulatory_actions_5y": {
     "value": [
      {
       "date": "2025-01-14",
       "agency": "CFPB",
       "summary": "CFPB sued over 360 Savings vs 360 Performance Savings rates; voluntarily dismissed with prejudice 2025-02-27",
       "url": "https://clearinghouse.net/case/48226/"
      },
      {
       "date": "2026-04-20",
       "agency": "Court (class action)",
       "summary": "$425M class settlement final approval; appeal pending (4th Cir. 26-1807); 360 Savings rate matched to Performance Savings eff. 2026-08-04",
       "url": "https://www.capitalone360savingsaccountlitigation.com/"
      }
     ],
     "as_of": "2026-10-03",
     "source_url": "https://www.capitalone360savingsaccountlitigation.com/",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 4297,
      "legal_name": "Capital One, National Association"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:4297",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "Marcus by Goldman Sachs",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 90.6,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [
    {
     "date": "2024-10-23",
     "type": "Regulatory: CFPB: Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22",
     "regulatory": true,
     "source": "https://www.consumerfinance.gov/enforcement/actions/goldman-sachs-bank-usa/"
    }
   ],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 8.3,
     "imputed_score": null,
     "basis": "3.5% APY (as of 2026-10-10). Score = 10 × 3.5 / best 4.2.",
     "sources": [
      "https://www.marcus.com/us/en/savings/high-yield-savings"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.marcus.com/us/en/savings/high-yield-savings"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.marcus.com/us/en/savings/high-yield-savings"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; Goldman Sachs Bank USA, Salt Lake City Branch (cert 33124 per third party). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.marcus.com/us/en/savings/high-yield-savings",
      "https://api.fdic.gov/banks/institutions?filters=CERT:33124"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 8.0,
     "imputed_score": null,
     "basis": "Base 10, −2 CFPB 2024-10-23. Note: Checked 2026-10-11: CFPB, Federal Reserve, FDIC, OCC. No newer actions found; Federal Reserve terminated a 2020 Goldman Sachs Group order in Dec 2025.",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/goldman-sachs-bank-usa/",
      "https://www.consumerfinance.gov/enforcement/actions/goldman-sachs-bank-usa/"
     ]
    }
   ],
   "score_math": "0.200×8.3 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×8.0 = 9.06 → 90.6%",
   "facts": {
    "official_url": {
     "value": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "apy": {
     "value": 3.5,
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC; Goldman Sachs Bank USA, Salt Lake City Branch (cert 33124 per third party)",
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "atm_access": {
     "value": "No ATM card; ACH transfers only",
     "as_of": "2026-09-24",
     "source_url": "https://www.shopback.com/blog/finance/us-high-yield-savings-ally-vs-marcus-vs-sofi-vs-discover-2026",
     "source_type": "third_party"
    },
    "support_channels": {
     "value": "Contact center 24/7",
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [
      {
       "date": "2024-10-23",
       "agency": "CFPB",
       "summary": "Goldman Sachs Bank USA consent order (Apple Card): $45M penalty + ≥$19.8M redress; order terminated 2025-09-22",
       "url": "https://www.consumerfinance.gov/enforcement/actions/goldman-sachs-bank-usa/"
      }
     ],
     "as_of": "2026-10-11",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/goldman-sachs-bank-usa/",
     "source_type": "regulator"
    },
    "referral_program": {
     "value": "Referrer and new referee each get +1.00% APY boost for 3 months",
     "as_of": "2026-10-10",
     "source_url": "https://www.marcus.com/us/en/savings/high-yield-savings",
     "source_type": "official"
    },
    "fdic_cert": {
     "value": {
      "cert": 33124,
      "legal_name": "Goldman Sachs Bank USA"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:33124",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "Citizens Access",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 89.4,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [
    {
     "date": "2023",
     "type": "Regulatory: CFPB: Citizens Bank $9M penalty for unlawful credit card servicing",
     "regulatory": true,
     "source": "https://www.consumerfinance.gov/archive/newsroom/cfpb-action-require-citizens-bank-pay-9-million-unlawful-credit-card-servicing/"
    }
   ],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 6.7,
     "imputed_score": null,
     "basis": "2.8% APY (as of 2026-10-10) ⚑ third-party source. ⚠ UNVERIFIED: official page not readable; third-party figure, verify. Score = 10 × 2.8 / best 4.2.",
     "sources": [
      "https://yourbestsavings.com/banks/citizens/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) ⚑ third-party source (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://yourbestsavings.com/banks/citizens/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.citizensaccess.com/savings/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC insured. (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.citizensaccess.com/savings/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:57957"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Base 10, −1 CFPB 2023",
     "sources": [
      "https://www.consumerfinance.gov/archive/newsroom/cfpb-action-require-citizens-bank-pay-9-million-unlawful-credit-card-servicing/",
      "https://www.consumerfinance.gov/archive/newsroom/cfpb-action-require-citizens-bank-pay-9-million-unlawful-credit-card-servicing/"
     ]
    }
   ],
   "score_math": "0.200×6.7 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×9.0 = 8.94 → 89.4%",
   "facts": {
    "official_url": {
     "value": "https://www.citizensaccess.com/savings/",
     "as_of": "2026-10-10",
     "source_url": "https://www.citizensaccess.com/savings/",
     "source_type": "official"
    },
    "apy": {
     "value": 2.8,
     "as_of": "2026-10-10",
     "source_url": "https://yourbestsavings.com/banks/citizens/",
     "source_type": "third_party"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://yourbestsavings.com/banks/citizens/",
     "source_type": "third_party"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.citizensaccess.com/savings/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC insured",
     "as_of": "2026-10-10",
     "source_url": "https://www.citizensaccess.com/savings/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.citizensaccess.com/savings/",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [
      {
       "date": "2023",
       "agency": "CFPB",
       "summary": "Citizens Bank $9M penalty for unlawful credit card servicing",
       "url": "https://www.consumerfinance.gov/archive/newsroom/cfpb-action-require-citizens-bank-pay-9-million-unlawful-credit-card-servicing/"
      }
     ],
     "as_of": "2023-05",
     "source_url": "https://www.consumerfinance.gov/archive/newsroom/cfpb-action-require-citizens-bank-pay-9-million-unlawful-credit-card-servicing/",
     "source_type": "regulator"
    },
    "status_note": {
     "value": "APY rendered by JS/blocked; not captured",
     "as_of": "2026-10-10",
     "source_url": "https://www.citizensaccess.com/savings/",
     "source_type": "official"
    },
    "fdic_cert": {
     "value": {
      "cert": 57957,
      "legal_name": "Citizens Bank, National Association"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:57957",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "CIT Bank Platinum Savings",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 85.8,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 8.9,
     "imputed_score": null,
     "basis": "3.75% APY (as of 2026-10-10). Score = 10 × 3.75 / best 4.2.",
     "sources": [
      "https://www.cit.com/cit-bank/platinum-savings"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 5.0,
     "imputed_score": null,
     "basis": "$5,000.00 minimum to earn APY (as of 2026-10-11) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.cit.com/cit-bank/platinum-savings"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-03) ⚑ third-party source (10 − 2 per $1/mo)",
     "sources": [
      "https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); Member FDIC. (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://api.fdic.gov/banks/institutions?filters=CERT:11063",
      "https://api.fdic.gov/banks/institutions?filters=CERT:11063"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×8.9 + 0.200×5.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 8.58 → 85.8%",
   "facts": {
    "official_url": {
     "value": "https://www.cit.com/cit-bank/platinum-savings",
     "as_of": "2026-10-10",
     "source_url": "https://www.cit.com/cit-bank/platinum-savings",
     "source_type": "official"
    },
    "apy": {
     "value": 3.75,
     "as_of": "2026-10-10",
     "source_url": "https://www.cit.com/cit-bank/platinum-savings",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 5000,
     "as_of": "2026-10-11",
     "source_url": "https://www.cit.com/cit-bank/platinum-savings",
     "source_type": "official"
    },
    "min_opening_deposit": {
     "value": 100,
     "as_of": "2026-10-11",
     "source_url": "https://www.cit.com/cit-bank/platinum-savings",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-03",
     "source_url": "https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/",
     "source_type": "third_party"
    },
    "insurer_and_charter": {
     "value": "Member FDIC",
     "as_of": "2026-10-10",
     "source_url": "https://www.cit.com/cit-bank/platinum-savings",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:11063",
     "source_type": "regulator"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 11063,
      "legal_name": "First-Citizens Bank & Trust Company"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:11063",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "Varo",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 82.8,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 2.4,
     "imputed_score": null,
     "basis": "1.0% APY (as of 2026-10-10). Conditions: 3.75% requires DD qualifications; cap $5,000. Score = 10 × 1.0 / best 4.2.",
     "sources": [
      "https://www.varomoney.com/savings-account/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.varomoney.com/savings-account/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.varomoney.com/savings-account/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; Varo Bank, N.A. (national bank charter). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.varomoney.com/savings-account/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:59190"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×2.4 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 8.28 → 82.8%",
   "facts": {
    "official_url": {
     "value": "https://www.varomoney.com/savings-account/",
     "as_of": "2026-10-10",
     "source_url": "https://www.varomoney.com/savings-account/",
     "source_type": "official"
    },
    "apy": {
     "value": 1.0,
     "as_of": "2026-10-10",
     "source_url": "https://www.varomoney.com/savings-account/",
     "source_type": "official"
    },
    "apy_conditions": {
     "value": "3.75% requires DD qualifications; cap $5,000",
     "as_of": "2026-10-10",
     "source_url": "https://www.varomoney.com/savings-account/",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.varomoney.com/savings-account/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.varomoney.com/savings-account/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC; Varo Bank, N.A. (national bank charter)",
     "as_of": "2026-10-10",
     "source_url": "https://www.varomoney.com/savings-account/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.varomoney.com/savings-account/",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "referral_program": {
     "value": "Referral Program exists (page linked from footer); terms not captured",
     "as_of": "2026-10-10",
     "source_url": "https://www.varomoney.com/savings-account/",
     "source_type": "official"
    },
    "fdic_cert": {
     "value": {
      "cert": 59190,
      "legal_name": "Varo Bank, National Association"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:59190",
     "source_type": "regulator"
    }
   }
  },
  {
   "name": "SoFi",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 81.8,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 1.9,
     "imputed_score": null,
     "basis": "0.8% APY (as of 2026-10-11). Conditions: 3.30% with eligible direct deposit or qualifying deposits; new members up to 4.20% with limited-time 0.90% boost for up to 6 months. Score = 10 × 0.8 / best 4.2.",
     "sources": [
      "https://www.sofi.com/banking/savings-account/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.00 minimum to earn APY (as of 2026-10-10) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.sofi.com/banking/savings-account/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.sofi.com/banking/savings-account/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 9.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); FDIC; SoFi Bank, N.A.. (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.sofi.com/banking/savings-account/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:26881"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement actions in last 5 yrs found in CFPB database search.  Other regulators (OCC/FDIC/state) not exhaustively checked",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/?title="
     ]
    }
   ],
   "score_math": "0.200×1.9 + 0.200×10.0 + 0.200×10.0 + 0.200×9.0 + 0.200×10.0 = 8.18 → 81.8%",
   "facts": {
    "official_url": {
     "value": "https://www.sofi.com/banking/savings-account/",
     "as_of": "2026-10-10",
     "source_url": "https://www.sofi.com/banking/savings-account/",
     "source_type": "official"
    },
    "apy": {
     "value": 0.8,
     "as_of": "2026-10-11",
     "source_url": "https://www.sofi.com/banking/savings-account/",
     "source_type": "official"
    },
    "apy_conditions": {
     "value": "3.30% with eligible direct deposit or qualifying deposits; new members up to 4.20% with limited-time 0.90% boost for up to 6 months",
     "as_of": "2026-09-23",
     "source_url": "https://www.sofi.com/banking/savings-account/",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.sofi.com/banking/savings-account/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.sofi.com/banking/savings-account/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "FDIC; SoFi Bank, N.A.",
     "as_of": "2026-10-10",
     "source_url": "https://www.sofi.com/banking/savings-account/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.sofi.com/banking/savings-account/",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [],
     "as_of": "2026-10-10",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/?title=",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": 26881,
      "legal_name": "SoFi Bank, National Association"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:26881",
     "source_type": "regulator"
    },
    "promo": {
     "value": {
      "apy": "3.30",
      "note": "3.30% with eligible direct deposit or $5k deposits/31 days; up to 4.20% with new-member 0.90% boost"
     },
     "as_of": "2026-10-11",
     "source_url": "https://www.sofi.com/banking/savings-account/",
     "source_type": "official"
    }
   }
  },
  {
   "name": "Chime",
   "category": "High-yield savings",
   "vaultrubric_score_pct": 72.8,
   "data_coverage_pct": 100,
   "limited_data": false,
   "eligible_for_pick": true,
   "customer_funds_hack": null,
   "incident_notes": [
    {
     "date": "2024-02-01",
     "type": "Regulatory: California DFPI: $2.5M penalty for unfair, untimely complaint handling (consent order)",
     "regulatory": true,
     "source": "https://dfpi.ca.gov/press_release/dfpi-orders-chime-financial-to-pay-2-5-million-improve-customer-service-standards-due-to-unfair-complaint-handling/"
    },
    {
     "date": "2024-05-07",
     "type": "Active consent order with consumer restitution: CFPB: $3.25M penalty + ≥$1.3M redress for delayed refunds on closed accounts",
     "regulatory": true,
     "source": "https://www.consumerfinance.gov/enforcement/actions/chime-financial-inc/"
    }
   ],
   "criteria": [
    {
     "key": "apy",
     "label": "APY (standard rate)",
     "weight": 0.2,
     "score_out_of_10": 2.4,
     "imputed_score": null,
     "basis": "1.0% APY (as of 2026-10-06). Conditions: Plus: $200 single/$400 cumulative DD; Prime: $3,000+ DD. Score = 10 × 1.0 / best 4.2.",
     "sources": [
      "https://www.chime.com/savings-account/"
     ]
    },
    {
     "key": "min_balance",
     "label": "Minimum to earn APY",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0.01 minimum to earn APY (as of 2026-10-06) (≤$1→10, ≤$100→9, ≤$1k→7, ≤$5k→5, more→3)",
     "sources": [
      "https://www.chime.com/savings-account/"
     ]
    },
    {
     "key": "fees",
     "label": "Fees",
     "weight": 0.2,
     "score_out_of_10": 10.0,
     "imputed_score": null,
     "basis": "$0 monthly fee (as of 2026-10-10) (10 − 2 per $1/mo)",
     "sources": [
      "https://www.chime.com/savings-account/"
     ]
    },
    {
     "key": "insurance",
     "label": "Deposit insurance",
     "weight": 0.2,
     "score_out_of_10": 8.0,
     "imputed_score": null,
     "basis": "Up to $250,000 coverage (as of 2026-10-10); Not a bank; pass-through FDIC via The Bancorp Bank, N.A. and Stride Bank, N.A. (plus program banks for savings). (≥$1M via program-bank sweep→10, direct FDIC bank $250k→9, pass-through/sweep $250k→8)",
     "sources": [
      "https://www.chime.com/savings-account/",
      "https://api.fdic.gov/banks/institutions?filters=CERT:[35444, 4091]"
     ]
    },
    {
     "key": "regulatory",
     "label": "Regulatory record",
     "weight": 0.2,
     "score_out_of_10": 6.0,
     "imputed_score": null,
     "basis": "Base 10, −2 California DFPI 2024-02-01, −2 CFPB 2024-05-07. Note: Checked 2026-10-11: CFPB, state regulators (DFPI). Added California DFPI 2024; no 2025–2026 actions found. (Nebraska 2024 $5K consent agreement involved Chime Capital, LLC, a lending affiliate — not counted.)",
     "sources": [
      "https://www.consumerfinance.gov/enforcement/actions/chime-financial-inc/",
      "https://dfpi.ca.gov/press_release/dfpi-orders-chime-financial-to-pay-2-5-million-improve-customer-service-standards-due-to-unfair-complaint-handling/",
      "https://www.consumerfinance.gov/enforcement/actions/chime-financial-inc/"
     ]
    }
   ],
   "score_math": "0.200×2.4 + 0.200×10.0 + 0.200×10.0 + 0.200×8.0 + 0.200×6.0 = 7.28 → 72.8%",
   "facts": {
    "official_url": {
     "value": "https://www.chime.com/savings-account/",
     "as_of": "2026-10-10",
     "source_url": "https://www.chime.com/savings-account/",
     "source_type": "official"
    },
    "apy": {
     "value": 1.0,
     "as_of": "2026-10-06",
     "source_url": "https://www.chime.com/savings-account/",
     "source_type": "official"
    },
    "apy_conditions": {
     "value": "Plus: $200 single/$400 cumulative DD; Prime: $3,000+ DD",
     "as_of": "2026-10-06",
     "source_url": "https://www.chime.com/savings-account/",
     "source_type": "official"
    },
    "min_balance_for_apy": {
     "value": 0.01,
     "as_of": "2026-10-06",
     "source_url": "https://www.chime.com/savings-account/",
     "source_type": "official"
    },
    "monthly_fee": {
     "value": 0,
     "as_of": "2026-10-10",
     "source_url": "https://www.chime.com/savings-account/",
     "source_type": "official"
    },
    "insurer_and_charter": {
     "value": "Not a bank; pass-through FDIC via The Bancorp Bank, N.A. and Stride Bank, N.A. (plus program banks for savings)",
     "as_of": "2026-10-10",
     "source_url": "https://www.chime.com/savings-account/",
     "source_type": "official"
    },
    "max_coverage": {
     "value": 250000,
     "as_of": "2026-10-10",
     "source_url": "https://www.chime.com/savings-account/",
     "source_type": "official"
    },
    "app_access": {
     "value": "Mobile app primary; requires Chime Checking",
     "as_of": "2026-10-10",
     "source_url": "https://www.chime.com/savings-account/",
     "source_type": "official"
    },
    "regulatory_actions_5y": {
     "value": [
      {
       "date": "2024-02-01",
       "agency": "California DFPI",
       "summary": "$2.5M penalty for unfair, untimely complaint handling (consent order)",
       "url": "https://dfpi.ca.gov/press_release/dfpi-orders-chime-financial-to-pay-2-5-million-improve-customer-service-standards-due-to-unfair-complaint-handling/"
      },
      {
       "date": "2024-05-07",
       "agency": "CFPB",
       "summary": "$3.25M penalty + ≥$1.3M redress for delayed refunds on closed accounts",
       "url": "https://www.consumerfinance.gov/enforcement/actions/chime-financial-inc/"
      }
     ],
     "as_of": "2026-10-11",
     "source_url": "https://www.consumerfinance.gov/enforcement/actions/chime-financial-inc/",
     "source_type": "regulator"
    },
    "fdic_cert": {
     "value": {
      "cert": [
       35444,
       4091
      ],
      "legal_name": "The Bancorp Bank, N.A.; Stride Bank, N.A. (partner banks)"
     },
     "as_of": "2026-10-10",
     "source_url": "https://api.fdic.gov/banks/institutions?filters=CERT:[35444, 4091]",
     "source_type": "regulator"
    }
   }
  }
 ]
}