Where should $1,000 go for 30 days?
Right now the champion is SoFi SoFi Checking and Savings : you keep about +$400 on $1,000 over 30 days. Ranked by math only, checked 2026-10-24.
| Rank | Fighter | You keep | How it adds up | What it takes | Status |
|---|---|---|---|---|---|
| ★★★ | SoFi SoFi Checking and Savings | +$400 on $1,000 over 30 days | $400 bonus equals ~486.67% annualized | $5,000 in direct deposits for $400 · Direct deposit · soft pull | Ends 2026-12-31 |
| ▲▲ | E*TRADE (Morgan Stanley Private Bank) Premium Savings (intro 6 mo) | +$3 on $1,000 over 30 days | 4.25% APY → $3 interest | Park it, withdraw anytime | Rate |
| ▲ | Live Oak Bank Personal High-Yield Savings | +$3 on $1,000 over 30 days | 4% APY → $3 interest | Park it, withdraw anytime | Rate |
| #4 | Barclays Tiered Savings (top tier) | +$3 on $1,000 over 30 days | 3.65% APY → $3 interest | Park it, withdraw anytime | Rate |
| #5 | Synchrony Bank High Yield Savings | +$3 on $1,000 over 30 days | 3.55% APY → $3 interest | Park it, withdraw anytime | Rate |
| #6 | Wealthfront Cash Account (base) | +$3 on $1,000 over 30 days | 3.55% APY → $3 interest | Park it, withdraw anytime | Rate |
| #7 | Marcus by Goldman Sachs Online Savings | +$3 on $1,000 over 30 days | 3.5% APY → $3 interest | Park it, withdraw anytime | Rate |
| #8 | Capital One 360 Performance Savings | +$3 on $1,000 over 30 days | 3.2% APY → $3 interest | Park it, withdraw anytime | Rate |
| #9 | Ally Bank Savings Account | +$3 on $1,000 over 30 days | 3.2% APY → $3 interest | Park it, withdraw anytime | Rate |
| #10 | American Express High Yield Savings | +$3 on $1,000 over 30 days | 3.2% APY → $3 interest | Park it, withdraw anytime | Rate |
| #11 | Citizens Access Savings | +$2 on $1,000 over 30 days | 2.8% APY → $2 interest | Park it, withdraw anytime | Rate |
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