The liquidity window: access matters as much as yield.

A money market headline focuses attention on earning. Liquidity asks a different question: can you reach the money when you need it, and under what conditions?

Timing

Review transfer timing, hold periods, withdrawal methods, and any processing windows.

Friction

Some friction is normal. Too much friction can reduce the usefulness of a higher advertised rate.

Purpose

Emergency funds, tax reserves, and near-term goals may each require a different balance between yield and access.