<prompt> Human: I know there have been a ton of discussions about high-yield savings accounts on this sub, but several banks just upped their interest rate so I think it warrants another look. Plus, I havent found anything about Live Oak Bank on this sub and could use some opinions on it.Current Interest Rates:Live Oak Bank 1.35Goldman Sachs 1.2Ally 1.15Barclays 1.15I want to open up a high-yield savings account to stick my emergency and vacation and car funds into 10,000, none of which I need immediate access to because my current rate of 0.01 is just terrible. Id like to do Live Oak because it has by far the best rate, but I cant find much online about it. Does anyone have any experience with this bank?Between Ally, GS, and Barclays, do you think its likely that theyll all keep raising their interest rate? Does one of them have a better history of being a rate leader? Assistant: Human: Also on this site, theres a page for bank account bonuses but none of the banks really interest me except for Schwab. How crappy is it to open a bank account with the intention of closing it within a few months? I know the banks probably expect it to an extent, but it makes me feel like a bad person.  <response>: I moved about 15k to an Orange account way back in the day. The promo ended within 18 months and I moved all the money back to my credit union.They play games, we have to react to the games - its capitalism. 