Looking for advice! I opened up an HYSA a few years ago with CIT bank when the APY was at around 4.75. It has now gone down to 3.75 and I am looking into switching over to Open Bank by Santander. Is this advisable? I know that Open Bank also has risk of going down, so not sure if it’s moot? Is this something people often do when a bank has a higher APY or is it better to just stay put? Any experiences with these two banks? Thanks!