M_to_the_G wrote:Changing banks and credit card companies always seemed to me to be more hassle than it was worth. Not sure if my thinking is right there, though. But constantly going through them to get a few tenths of a percentage more in savings or more rewards on a card just turns me off.
Agreed. Whenever I switch accounts to chase a higher rate, the rate invariably drops a short time later (case in point: my Adirondack Bank HSA). If one of those accounts guaranteed the interest rate for, say, a year, I'd almost definitely switch, but I'm not going to bother when the rate could fall in a matter of weeks.