Thank you, Erica! I'll have to check out ONE Finance. My own strategy uses a local credit union in the US as my "main" US bank, then money flows to savings, prioritizing Digital Credit Union for 6.17% APY on the first $1000, Current's savings pods for 4% APY (curious about that - is there a reason you don't use the savings pods?), and then M1 Finance for 1% APY. For spending, I do wire transfers to my "main" bank in Korea. (Our situation is a bit more complicated since I earn in one currency but spend in another....)