I use Synchrony. Their HYSA is currently 4%. I keep only what I need to pay bills at my brick and mortar bank. When I sold my house, I deposited a $250K check at my wells fargo branch and they were all over that wanting me to invest with them. I just laughed and told them that the last time I "invested" with them, I lost $9K of my $10K investment and after 10 years, it never recovered. I transferred every penny of that $250K to Synchrony.

There once was a time when the brick and mortar banks paid great interest rates. I was making over 6% on a first union savings account around 2000. Now, they are wells fargo and I'm getting a whopping $.06 / mo on a $10K balance.