You Don't Really Get 2

You don't really get 2.67% on all your savings because of the tiers.  You would have to put in $900k to get that.

For instance, if you deposit $137,000 you will have a 2% APY overall.

If you deposit the max covered by FDIC insurance of $250k, you will be getting 2.36% (confirmed by calling the bank who reported that depositing $250,000.00 on Jan 1 means that you will have $255,905.99 in the account at the end of a year).