Brio Direct, a division of Webster Bank:
Savings Account - 3.75% APY

I was getting ready to link this bank account to move funds elsewhere to better paying account but first was going to send a message asking if the current 2.8% rate was long term or not. Looked at my BRIO DIRECT PLUS account and the interest rate had increased to 3.682%. I thought it must be an error and called up and spoke to CS today. Was told that 3.75% is the new rate for the PLUS accounts even though it is not reflected on the bank webpage. So, moved up their rating to 5 stars as will not have to move funds elsewhere now as this is the top paying savings account out of 6 banks. Even though the bank did try to scam 20 dollar fee last month, now the bank account interest has increased by $200 more per month and is actually a really good rate being that it is a major bank.

WARNING - This bank is a fee monger!
The BRIO DIRECT account had been open a couple months without any issues, and then there was the requirement to create the BRIO DIRECT SAVINGS PLUS account to obtain the highest 2.8% interest rate. Or be stuck in the original account with 2.15% and no future increases. Due to all the debits incurred on the old account with making three transfers out to the new account and also for some trial deposits for external account funding there were 7 debits in one month. I was not aware of it until the end of month the bank notified a 20 dollar fee assessed for going over 6 transactions. I was so freaking mad as it was their stupid requirement to create and fund a new account using the existing account incurred three of those debits. A 250K transfer requires 3 debits as 100K per day limit per bank policy. Unbelievable that this bank at first only offered to reverse 10 dollars of the 20 dollar fee. AFter pointing out that it was the banks own policies that caused this fiasco of having to switch over accounts and transfer funds the CSR said the entire 20 dollar fee would be reversed. Never thought that a bank of this magnitude would have such a chickensh!t deal of offering half of a bank fee reversal. Anyhow, then I said what about the original account with zero dollars? LOL!!! I was told if the account is not closed soon there will be a fee assessed on it for an underfunded account. The next request was to close that original account NOW! Not paying this bank with 200 billion in assets stupid fees when there is 250K in a savings account.

BIG TIME WARNING- They are going to get you for not paying attention. Check your account regularly. If the rate changes, be sure that they haven't switched the name around some way. If they have, call them and open the new account and move your money. They nabbed me - I was still earning 2.15% for the last 3 weeks while the rate had risen all the way to 2.81%. No need to quit, no need to get angry, just pay attention.

I had a tough time with Brio and a disappointing experience with Bankrate and Nerdwallet that got me into this a few months ago when rates were much lower. Rates moved up and Brio raised theirs but so called "legacy" clients like me seem to have topped out a few weeks ago at 2.15%. I just assumed that my rate would rise, but they didn't. Found this site which notes this. Bankrate and Nerdwallet do not and Brio makes excuses, but does change the rate moving forward. Other than this, no complaints about the account.

Contacted the BrioDirect help line today and was told the following reason for why they made opening a new account called BrioDirect Savings Plus a requirement to get the 2.61% interest rate. Note: The old BrioDirect account will not get the higher rate and will be stuck at the 2.15%. He said that they changed the account opening requirement to $500 from the old amount of $25 and so they had to make a new account name for that. Whatever! Sounds like bunch of crap but he was able to get this shitshow fairly corrected and now the new account number shows up directly below the original account number in the exisitng online bank account. The account info tab for the new account shows the higher interest rate of 2.6%. Can transfer money to the new account online. It is stupid that the transferred funds between 2 similar accounts still have a hold time placed on them. Will take 3 days as the transfer limit is 100K per day. I am not closing the old account until after getting the interest payout for it. He offered to transfer the entire amount close it out with interest paid but I do not trust these banks and said prefer to transfer it myself and make sure the interest is paid out on the 15th of the month. Still the same crap set up with the beneficiary and had to submit a text message to add name to the new BrioDirect Plus account.