📋 Legal Disclaimers & Full Disclosures
Please read carefully before using this site or clicking any links.
🏠 Site Ownership & Independence from Money.com
This website is independently built, owned, and operated by MoneyManMyers — an independent financial education brand founded by Will Myers and accessible at moneymanmyers.com. MoneyManMyers is a completely independent entity and is in no way affiliated with, associated with, owned by, endorsed by, licensed by, sponsored by, or otherwise connected to Money.com, Dotdash Meredith, Inc., Meredith Corporation, IAC, or any of their respective parent companies, subsidiaries, divisions, affiliates, or successor entities. The name "Money.com" and any associated trademarks, service marks, or brand identifiers are the exclusive intellectual property of their respective owners. References to Money.com on this website appear solely in the context of third-party affiliate links that direct users to external product listings. The inclusion of such links does not create, imply, suggest, or constitute any partnership, joint venture, agency relationship, endorsement, or business affiliation between MoneyManMyers and Money.com. MoneyManMyers has no authority to speak on behalf of Money.com and makes no representations regarding Money.com's products, policies, accuracy, or reliability.
💰 Affiliate & Advertising Compensation Disclosure
MoneyManMyers participates in affiliate marketing programs and may earn a commission or referral fee when a visitor clicks on certain links featured on this website and subsequently takes an action — including but not limited to: submitting an application, opening a bank account, completing a purchase, or signing up for a service through a third-party advertiser's platform. This compensation is paid by the advertiser, not the consumer, and does not result in any additional cost to you. Compensation received may influence which financial products, institutions, or offers are displayed on this page, the order or prominence in which they appear, and whether certain products are included or excluded from the site. However, this compensation does not alter the factual accuracy of any information presented, nor does it constitute a personal recommendation or endorsement of any product. MoneyManMyers maintains full editorial independence. Not all available savings accounts, financial institutions, or related products in the market are represented on this site. Rankings and recommendations are based on a combination of editorial judgment, publicly available rate data, and compensation arrangements.
🧮 Calculator, Projections & Rate Accuracy Disclaimer
The interactive savings calculator and all financial projections displayed on this website are provided strictly for illustrative, informational, and educational purposes only. They do not constitute a guarantee, promise, or representation of actual financial returns. Calculations are based on user-entered principal amounts and hypothetical, static annual percentage yield (APY) rates — specifically 4.00% for a high-yield savings account and 0.07% for a typical checking account, the latter derived from publicly available data published by the Federal Deposit Insurance Corporation (FDIC) at fdic.gov/national-rates-and-rate-caps. These rates are subject to change at any time without notice and may not reflect current offerings at any specific institution. Projections assume a constant rate over the selected time horizon and do not account for inflation, taxes on interest income, changes in principal, account fees, rate adjustments, early withdrawal penalties, or any other real-world variables that may materially affect actual outcomes. MoneyManMyers does not warrant the accuracy, completeness, or applicability of any calculation result to any individual's personal financial situation.
⚖️ Not Financial, Legal, Tax, or Investment Advice
Nothing contained on this website — including but not limited to articles, calculator outputs, comparisons, opinions, rankings, or any other content — constitutes or should be construed as financial advice, investment advice, tax advice, accounting advice, legal advice, or any other form of licensed professional advisory service. MoneyManMyers is not a registered investment advisor, broker-dealer, financial planner, certified public accountant, or attorney. Content published on this site reflects general personal finance education and the personal opinions of MoneyManMyers and should not be relied upon as the sole or primary basis for any financial decision. Individual financial circumstances vary widely. Before opening any account, making any deposit, or taking any financial action based on information found on this site, you are strongly encouraged to consult with a licensed and qualified financial advisor, CPA, tax professional, or attorney who can evaluate your specific situation, goals, risk tolerance, and applicable laws.
🔗 Third-Party Links, Products & Brand Trademarks
This website contains hyperlinks to external, third-party websites, financial institutions, and product or service providers including but not limited to SoFi, Synchrony Bank, Barclays, CIT Bank, Current, and ValleyDirect. MoneyManMyers has no control over and assumes no responsibility for the content, privacy policies, terms of service, data practices, security, availability, or accuracy of any third-party website or financial product. Clicking an external link and leaving this site means you are subject to the terms and policies of the destination website. The presence of any third-party brand name, logo, trademark, or product name on this site is used solely for informational identification and reference purposes and does not imply any affiliation, sponsorship, licensing, or endorsement by or of that brand. All trademarks and registered trademarks are the property of their respective owners.
🏦 FDIC Insurance Notice
References to FDIC insurance on this website apply only to deposit accounts held at FDIC-member financial institutions. Standard FDIC deposit insurance covers up to $250,000 per depositor, per insured bank, per ownership category. Some institutions may advertise extended FDIC coverage through sweep programs or cash management structures; the terms and conditions of such programs vary. MoneyManMyers makes no independent representation regarding the FDIC-insured status, coverage limits, or eligibility requirements of any specific account or institution beyond what is publicly stated by the institution itself. You should verify FDIC membership status and insurance details directly with the financial institution prior to opening any account. FDIC insurance does not cover investment products such as stocks, bonds, mutual funds, or annuities, even if purchased from an FDIC-member bank.
📝 Accuracy, Updates & Limitation of Liability
MoneyManMyers makes reasonable efforts to ensure that all information published on this site is accurate and current at the time of publication. However, financial rates, product terms, eligibility requirements, promotional offers, and regulatory conditions change frequently and without notice. MoneyManMyers makes no warranties — express, implied, or statutory — regarding the accuracy, completeness, reliability, timeliness, or fitness for a particular purpose of any content on this site. MoneyManMyers, its owner(s), contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of, or reliance on, any content, tool, link, or information provided on this website. Use of this site and any decisions made based on its content are at your own risk. Always verify rates, terms, and product details directly with the financial institution before taking any action.