Direct answer
Move savings in stages: open the new account, link by ACH, send a small test transfer, move idle cash only after the link works, and leave bill-pay cash untouched until recurring payments are stable.
Why this is not generic
Live APY freshness
Destination-bank Switch Kits
Break-even math on a representative balance
Do not close the old account first
Keep the old account open until payroll, subscriptions, transfers, and bill pay have cleared through the new setup. Account closure is the last step, not the first.
Use a test transfer
A small test transfer proves routing and timing before a larger move. This is especially useful when a bank uses micro-deposit verification.
Measure the reward before the hassle
SwitchWize compares the destination APY with the national-average savings benchmark so the switch has a dollar value, not just a higher-looking percentage.