Originally Posted by krazykanuck

With interest rates being what they currently are, how much does this matter, unless you're Bill Gates. My primary checking account currently has an interest rate of 0.01% and Ally savings is 0.5%. They might as well be zero, it would not really matter. Which is a large part of why the MS Plat/Cash Plus account is currently such a good value proposition, at least to me. If and when risk free rates climb and the opportunity cost changes, I'll re-evaluate.