SwitchWizeFinancial Decisions, Made Clearer

The Switching Guidebook

A chapter-by-chapter guide to switching savings accounts: the break-even math, how long top rates last, whether banks follow the Fed, and how to move without breaking payments.

SwitchWize Research DeskEvery chapter reviewed by Jay Rege, Head of Financial Research8 of 8 chapters published

Volume 1: The Decision

When moving your savings pays, what staying costs, and how long a top rate really lasts.

  1. Chapter 1 · FoundationalShould You Switch? The Break-Even MathSwitch or stay
  2. Chapter 2 · FoundationalWhat Staying Put Really CostsCost of inertia
  3. Chapter 3 · IntermediateHow Long a Top Savings Rate LastsRate half-life

Volume 2: How Banks Move Rates

Whether banks follow the Fed, and how to read the fine print behind a top rate.

  1. Chapter 4 · IntermediateDo Savings Rates Follow the Fed?Fed pass-through
  2. Chapter 5 · IntermediateTeasers, Tiers and Conditions: Reading the Fine PrintRate terms

Volume 3: The Move

Switching without breaking payments, what can go wrong, and a plan you can keep.

  1. Chapter 6 · FoundationalSwitching Without Breaking Your PaymentsSwitching steps
  2. Chapter 7 · IntermediateWhat Can Go Wrong When You SwitchSwitching risks
  3. Chapter 8 · IntermediateYour Savings Switching PlanPlanning

Educational content, not individualized financial, tax or legal advice. Examples use hypothetical figures unless a source is cited.