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What's the best high-yield savings account for an 18-year-old? Or what are other ways to make use of sitting money?

I'm almost 18 and have some money that I'm not actively using. I think a safe, FDIC-insured high-yield savings account to park it for compounding interest (no regular deposits needed) would be a good option. I've looked at Pibank (4.60% APY), Axos (4.31%), and Newtek (4.35%)—all no fees/minimums. Which is best for reliability/service? Any red flags or better options? Any advice is appreciated! Thanks!


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