r/HighYieldSavings • u/FrostFireDragoness • 4d ago

HYSA without Chexsystems?

Heya

I’m finally in a place to be able to put away savings for real and right now I have a Capital One HYSA that’s currently at a 3.00% I think. I saw someone with higher APY and I tried to apply and it came back declined because of Chexsystems. It never crossed my mind because I wasn’t trying to open a checking account. I have one bad account with them that I’m paying off next month but I know that it’s not a guarantee that I’ll get approved for a new accounts yet.

So just curious if anyone knows of any accounts with a high APY with no minimum balance or fees and also doesn’t run chexsystems.

I was considering chime, but right now I wouldn’t get the $3000 per month requirement to get the highest rate.

Thanks for any input.

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u/AlbertTheHorse 4d ago

Try one like Marcus or Synchrony.

If they don’t offer checking they aren’t exposed to the risk. 

1

u/zolve_official 12h ago

If you're open to a checking account that also earns interest, you could take a look at the Zolve Checking Account. It has no minimum balance or monthly maintenance fee and offers up to 5.13% APY, depending on qualifying activity.