Slightly off-topic but any recommendations for the best place to park a $10,000 emergency fund? I see that Lake Michigan Credit Union offers a 3.00% checking account on up to $15,000 but it requires direct deposit, 10 debit transactions a month, and four online logins. I don't want to have to worry about getting hit with some fee or seeing the interest rate drop to 0.1% just because I forget to do those things one month. I also feel like it's somewhat unethical to go make 10 $0.50 Amazon gift card purchases each month just to hit that target.
I'm just looking to park this cash somewhere and earn at least 1% or more with no gimmicks, any recommendations?