<prompt> Human: This might be dumb, but I just opened a new savings account with a higher APY. Should I transfer my money over immediately or wait until the end of the month so the old account compounds interest one more time? If I transfer it now, will I get the money already compounded through the 18th of the month or does it only calculate the amount present at the end of the month?  <response>: Just do it now. Interest is usually prorated. 