<prompt> Human: net worthLaw school loans are a bitch but I am on my way to getting into the black within one year!I live frugally, refinanced most of my loans at a low rate 3, and the other fed loans I am pay extra every time a paycheck hits my account. I fantasize about the day I pay all my loans off. I still have 60k in fed loans at approximately 5.5, and 90k in private refinanced at 3. I have 35k in retirement accounts and 30k I keep in my checking account.Assistant: Congrats! In my opinion 30k is way too much for a checking account. Move some of that money to a savings account so you can still have pretty quick access to it but its at least earning you some interest!Human: My checking account pays 2 APY on balances up to 25k.Assistant: What bank??  <response>: There are a handful of banks with nationwide availability that offer higher interest rates 2-4.5 on limited amounts, with various numbers of hoops you have to jump through.The highest nation-wide availability is Consumers Credit Union, but you have to spend 1k on one of their credit cards every month to get the 4.5 rate, plus a certain number of debit transactions, plus direct deposit.One popular one is Lake Michigan Credit Union, which I think is 3 on up to 15k, with only the debit transaction requirement and a direct deposit.For more info, check out Doctor of Credit High Interest Savings Accounts DOC also has pages with hints about how to get the required debit transactions and what counts as a deposit for which banks. 