BrioDirect vs Fidelity (Brokerage Cash)
Head-to-head comparison of BrioDirect High-Yield Savings and Fidelity Cash Management Account, updated daily.
BrioDirect currently wins on APY: 4.85% vs 4.05%
| Feature | BrioDirectUpdated 1d ago | Fidelity (Brokerage Cash)Updated 1d ago |
|---|---|---|
| APY | 4.85%★ | 4.05% |
| Min opening deposit | $5,000 | $0★ |
| Min balance for APY | $25 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | Yes★ |
| Check writing | No | Yes★ |
| Mobile app | Yes | Yes |
| Editor rating | 4.4 / 5 | 4.6 / 5★ |
BrioDirect verdict
BrioDirect currently leads the pack on APY in April 2026, and it has been at or near the top for over a year — this is not a teaser rate that disappears in 90 days. The catch is the $5,000 minimum opening deposit, which makes this a poor fit for someone just starting their emergency fund.
Read full BrioDirect review →Fidelity (Brokerage Cash) verdict
Fidelity's Cash Management Account is the cleanest "all-in-one" replacement for both checking and savings if you are willing to use a brokerage. The ATM fee reimbursement is industry-leading. Yield is slightly below the pure-play HYSAs but the convenience and integration usually justify it.
Read full Fidelity (Brokerage Cash) review →