Subject: Savings accounts
Does anybody here have any experience with raisin.com? They are some kind of savings account conglomerator/consolidator, you open an account with them and select which real bank you want your money to go into. You do NOT have a login at that(those) bank(s), just the one login at raisin. You transact (move money) at your raisin account.

I counted about 12 of banks they have which are currently paying 5.25% APY. Seems simpler than having to chase savings account yields by opening a new account at a new bank each time.

I am stuck with a half-dozen online bank acccounts that once were good but lately have fallen behind and are around only 4.25% or less. Kind of an annoyance to keep those accounts open with only a few dollars just in case they ever become competitive.

UFBdirect.com and VIObank.com are paying 5.25%, they are each the online-only account of a B&M bank.

Any thoughts?