<prompt> Human: My wife and I received a Discover offer in the mail to receive 100 for depositing 15k 0.667 APY and receive their interest rate of 0.95 APY. I like the interest rate and Ive read decent things about Discover, so it peaked my interest.I moved our savings from a local bank early last year because Chase offered us 150 for opening an account and maintaining it for at least one year were no longer obligated to keep the funds there. Is transferring our savings funds from bank to bank an ideal way to capture this free money?Are there any consequences of performing these actions, aside from locking in money to keep the incentive offer?Assistant: I just closed all my savings accounts and bought a short-term bond fund instead. A bit more risk, but higher yield and it all stays within my brokerage account, so fewer accounts to manage and I dont have to worry about the accounts interest rate becoming uncompetitive a year from now.Human: Do you worry about the liquidity of the investments youre in? Im guessing youre using Fidelity or Vanguard, how quickly can they distribute funds?  <response>: Its fairly quick. I just sold off some mutual funds at Vanguard and the money was cleared for withdrawal in about 3 days. Then it took another 4 days due to weekend to get back to my savings account. So basically you are looking at roughly a week. Nearly nothing in the world today either cant be put on a credit card and paid before any interest is charged or stalled for a week. Im not saying you should use a bond fund instead, but I think the argument of liquidity is fairly week. The chances of me needing 5,000 cash tomorrow I feel is extremely unlikely. 