CFG?
CFG Bank in Baltimore has amazing savings rates
https://www.cfg.bank/personal-banking/personal-deposit-rates/
No joke, those are some insane rates
4.6 for a 12 month cd with only $500 min
Nobody is even close on bankrate.
Savings rate is decent, way better than most
Yes black cat only does cash
My reco for avoiding fees at ATM's is to plan ahead
you could open a checking account at Wellsfargo, BOA or CapOne and set up transfers from your bank
It's fairly easy and free to transfer money between accounts, you just have to wait a few days for the cash to appear
Some banks will reimburse a certian amount of ATM fees too
https://www.bankrate.com/banking/these-banks-reimburse-atm-fees/I use Ally and they will reimburse $10 a month, so 2-3 free withdrawls and pretty much no fees, decent savings and cd rates, but not quite as good as CFG
this includes sketchy $5.95 fee ATMs and the like
Lastly, you can get cashback at your grocery/gas store visits...just you are typically limited to $40