Heh I do (smartly) play the credit card game so that works too

That makes sense as well. I link all my accounts so the actions are easy but having 2 different apps and sites is not my favorite thing

That makes sense too. My brain is on the ADHD side so being able to visually see the savings and slide money to it immediately is what's appealing to me knowing how my brain works

I know ally won't be some crazy high amount. Given current rates it would result in a 1099-int but not a big enough number to be wowed if that makes sense.

Sounds like may as well just keep my money in the same place

I guess my question for me is how important is instant transfers over better interest rates then?

What's best way to determine if it's worth it