Seven questions before moving cash for a rate.

1. What exact product is this?
2. Is 4.9% APY, interest rate, yield, or example?
3. Is the number variable or promotional?
4. What balance rules apply?
5. What fees could reduce the benefit?
6. How quickly can funds be accessed?
7. Where can the official terms be verified?

Answering these questions does not make a decision for you. It simply turns a headline into a set of facts you can examine.