The calm 4.9% checklist.

☐ The page clearly says whether 4.9% is APY, interest rate, yield, or example.

☐ There is an “as of” date or update policy.

☐ The product type is clear: deposit account, sweep account, or money market fund.

☐ Minimum balance, maximum balance, and tier rules are visible.

☐ Fees are listed in a way that can be compared with the rate.

☐ Access rules, transfer limits, and withdrawal timing are understandable.

☐ The provider identity and regulatory disclosures are easy to verify.

☐ No one is asking for sensitive data before basic information is explained.