| When you're looking for a banking solution, one of the key features to look for is a high APY. And this top account has that on lock. But not just for your savings. For your checking account, too… which is incredibly rare, and I am someone who reads about different bank accounts on a daily basis! This combination checking-and-savings account from a top financial institution puts ease of banking and growing your money at the top of the list. With a savings APY that's over 10x the national average savings rate of 0.40% and a checking APY that's over 17x the national average of 0.07%, all of your money will be adding to your bottom line, just by sitting in your accounts. And to earn those incredible rates? All you have to do is set up an active, qualified direct deposit. Even better, there's no minimum direct deposit amount required! Aside from the competitive APYs, this account has a number of other stand-out features, including: - A welcome bonus of up to $250 with qualifying direct deposits
- The debit card connected to the checking account offers up to 15% cash back at local establishments
- No fees or minimums means your cash savings are free to grow from day one
- Unique savings tools to help maximize savings efforts
Plus, it offers FDIC insurance up to $2 million through an Insured Deposit Program. That's sure to offer peace of mind when the standard for most institutions is $250,000. No more stuffing that excess money under your mattress! | 
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