{"account":{"slug":"openbank-high-yield-savings","bank":"Openbank by Santander","name":"High Yield Savings"},"status":"recent","lastVerified":"2026-09-07","officialSource":"https://www.openbank.us/banking/high-yield-savings-account","history":[{"date":"2026-09-07","apy":"3.80% (as of September 2026; exact rate varies by ZIP code)","monthlyFee":"$0","minimumOpen":"$500","atm":"No ATM access; ACH transfers to linked external accounts","note":"Legacy snapshot without event-level evidence"}],"verificationEvents":[],"methodology":"https://creditcompound.com/how-we-rate#verification"}