>20% APR debt is an emergency. Pay it off. Pay it off yesterday! You are hemorrhaging money and you don’t have to.

For reasonable amounts of money to have in a savings account, the difference between the best account and a good account will be too small to spend lots of time on. If you can go up by more than 1% APY, sure, but I wouldn’t check obsessively and I wouldn’t keep jumping from account to account. But definitely don’t stay in some 1% account, you’re just giving the bank a free loan. And absolutely don’t stay at a Chase/BoA/Wells Fargo account giving fractions of a percent.