Press & Media
Cite SwitchWize
SwitchWize is a consumer-first personal finance decision platform. We help people quantify how much financial inertia is costing them — and what to do about it. Journalists, educators, and writers are welcome to cite our definitions, data, and tools.
What SwitchWize does
We track deposit and lending rates from official sources, publish original metrics like the Bank Gap, and build free calculators that turn rate differences into plain dollar figures. Our editorial team operates as the SwitchWize Research Desk, and our sourcing and ranking process is documented publicly on the methodology page.
Topics we can speak to
The Bank Gap
The spread between the best high-yield savings rate and the national average — the clearest measure of deposit inertia.
Savings rates
Where high-yield savings, CDs, and money market accounts stand, and how the Fed flows through to savers.
Emergency funds
Where to keep short-term cash across HYSA, money market funds, T-Bills, and CDs by liquidity, yield, and tax.
Financial inertia
Why people leave money on the table and what it costs — the Inertia Tax across savings, debt, and fees.
Calculators
Free, no-signup tools that quantify the cost of staying put and the value of switching.
AI personal finance
How SwitchWize uses models to map a person's highest-impact money move, the Money Map.
Use our data
The Bank Gap Index is published as an open, machine-readable time series. You are free to cite or link it with attribution to SwitchWize. Please link back to the source page so readers can see how it is calculated.
On the record
Adeesh Setya
Former Treasurer, Merrill Lynch Bank USA and Morgan Stanley Bank USA
“I spent years on the other side of this, managing bank balance sheets. Big banks don’t pay more for savings deposits because they don’t have to — most customers never move their money. The gap we’re publishing isn’t a mistake in anyone’s pricing. It’s the price of inertia, and it’s completely avoidable with an FDIC-insured account that pays the same protection for a much better rate.”
“The banks at the bottom of the Bank Gap Index aren’t doing anything illegal or even unusual — this is standard deposit-pricing behavior for an institution that doesn’t need to compete for your balance. The number that should surprise people is how large and how persistent the gap is, not that it exists at all.”
Available for interview. Reach Adeesh through research@switchwize.com.
“We rebuild this leaderboard from live, first-party-verified rate data, not a marketing survey. The methodology, every source URL, and the full historical dataset are public — a reporter or a reader can check our math.”
Linkable assets
Brand and contact
For interviews and data questions, reach the Research Desk at research@switchwize.com. Think a number or claim of ours is wrong? Email corrections@switchwize.com — see our corrections policy for how we handle it. For brand guidance or logo requests, use our contact page. We do not claim endorsements or display third-party publication logos we have not earned.
Request a briefing
Need more? We can help.
For data requests, interviews, or custom briefings, email research@switchwize.com directly.