AmEx HYSA- anyone using it? Are there any concerns I should have? I'm thinking of opening a HYSA as I got an offer for $400 if I deposited $25,000 and keep them for minimum of 60 days. Currently using Marcus, which has slightly higher APY. I'm ok to diversify and split my savings across multiple HYSA, however didn't even know Amex offers a HYSA until I got the email.