America's banks enjoy pulling a bait and switch on HYSAs: They will create new account types with better rates, while they let their old ones become uncompetitive. Citi has pulled this too.

Unless you really think you might need the money immediately, chances are that keeping your money in a brokerage account and using a money market fund (say, VMFXX or something like that) will lead to less headaches with rate manipulation, as the funds aren't playing games with the general public.

I highly recommend the Fidelity CMA (Cash Management Account), it behaves mostly like a checking account but it autosweeps into SPAXX so you get the best of both worlds - your money is instantly accessible but you get the earnings of a money market account. I no longer bother with a HYSA.

It's not a bank account so you will still need a backup checking account if you need Zelle or similar, and it has no way to deposit cash - but the CMA has direct deposit, ACH transfer, debit card access, and check writing, so 95% of the time it does all you need.