<prompt> Human: I got 30K that needs to be moved to a bank with a higher yield my local bank isnt cutting it. The minimum criteria are:1 APY at least 1.402 No maintenance fees3 Good customer service4 FDIC-Insured5 Great online or mobile app experience. Showing a running balance next to each transaction is strongly preferred. I would also like to add memos to a transaction.6 Direct-Deposit7 Offers both Money Market and Savings Account - slightly preferred but not required.From what Ive researched, Ive narrowed it down to in no particular order:1 Capital One 1.40 MMA 10K min2 Discover Bank 1.40 SA3 Marcus 1.50 SA4 Barclays 1.50 SA5 CiT 1.55 SA, 100 min6 Synchrony 1.45 SAWould like to know what your experiences are with them and if you have other recommendations. Thanks!  <response>: Marcus by GS Bank has no mobile app and their new website is obnoxious. I also dont think thats important at all, to me anyway. Their customer service is good, and there are no fees except your standard max 6 withdrawals per month.Generally all savings accounts and MMAs are FDIC insured, and generally you can set up direct deposit to all of them. 