Apple's high-yield savings account hits over $10B in customer deposits

It is super easy to open accounts at multiple banks and do this, without any impact on credit scores.

4.15% is actually a pretty low rate these days. Easy enough to get 5.15% on money market accounts now.

Before you say that most American's don't have savings... this is $10b sitting in Apple's bank account, so it must be coming from somewhere.