One of Cash App's biggest draws is that savers can earn up to 4.00% APY, a return on par with some of the best high-yield savings accounts. To unlock that higher APY, though, you'll have to set up ...

These banking services are popular. An American Bankers Association survey found more than half of U.S. adults (55%) use mobile apps to do their banking while 22% use online banking via laptop or PC.