There are lots of credit unions that have 3% or better checking accounts: https://www.lmcu.org/personal/banking/checking-accounts/max-checking/ https://www.lmc

There are lots of credit unions that have 3% or better checking accounts: https://www.lmcu.org/personal/banking/checking-accounts/max-checking/ https://www.lmcu.org/personal/banking/checking-accounts/max-... https://www.myconsumers.org/personal/checking https://www.myconsumers.org/personal/checking No penalties for liquidating, some minor requirements (use it for at least one bill and a couple purchases each month) to get the interest rate each month.