Ally Bank — High Yield Savings
~4.0% APY · Current emergency fund home
ACTIVE
Keep 3 months of expenses here before investing more. Don't touch it.
SoFi — Direct Deposit Plan
3.3% APY unlocked with direct deposit
PENDING
🎯 If you land the Le Five marketing internship → set up direct deposit to SoFi → automatically unlocks 3.3% APY. Move emergency fund from Ally if rate is better net of convenience.
Credit Card Rule
Pay in full every month. Use it like a debit card. Never carry a balance.
Goal: keep utilization under 10% (not 26%) to push score toward 720+ faster.