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But think about it: when’s the last time you visited one?These days, that’s not saying much, but 1.90 percent still beats 0.09 percent.Our partner, American Express National Bank, Member FDIC is one of my favorite banks and where I park most of my cash.That’s because they’re liquid—you can withdraw cash anytime—and they’re FDIC insured up to 0,000.Choosing a high yield savings account isn’t rocket science—although you do need to watch out for banks that advertise higher rates but come with a catch, like minimum balances or a teaser rate that drops after a few months.