U.S. Bank: With more than 2,000 branches, this might be the most attractive option for in-person banking. The Bank Smartly Savings account earns a yield that aligns with other high-yield accounts, but you must connect it to a Bank Smartly Checking account or a Safe Debit account. You need $25 as an opening deposit.

Savers should carefully weigh the pros and cons of high-yield savings accounts this July before starting. /iStockphoto . If you have any money in a traditional savings

Smartly placing your $10,000 in the right account—or multiple accounts—can help you take advantage of today’s high interest rates while maintaining flexibility.