<prompt> Human: I currently have about 3 months of expenses saved up and am trying to grow it. I use USAA for all my banking, but realized that the APY for their saving account is only .1. While this is better than some banks Ive been looking at saving accounts like American Express which has 1.75 APY. Im basically asking if theres a catch to the American Express account? Or if theres a better savings account I should look into. I love USAA and their customer service but 1.75 and .1 is too big of a difference to pass up on.  <response>: Discover bank online is another option.Very easy mobile app 