Scared myself REAL BAD w/ Lending Club online

[HipGnosis]

I'm writing this as a form of self-therapy...   and to forewarn others.
I'm recovering from scaring myself REALLY BAD(ly?) with Lending Club online.   I haven't had a drink in the morning in a long time (I've never been a big drinker), but I'm mentally hyper-ventilating  here...

I have a Lending Club high yield savings account.  Five figures.   
I've had it a while (I fired in early '17).   Never had a problem with it, so I don't think about it much. 

Today I thought I'd see what the current yield is.   It didn't go well...
Of course I have the website bookmarked, but...   I worked on and with computers for 35 yrs.  In the USAF and corp. America.   I have a cpl thousand bookmarks/favorites.  I know how to search w/in bookmarks, but I also have Google.   I typed in 'lending club' and clicked the first link.  Easy peasy...   And I logged in and clicked the link for 'account', and...  I was looking all "0"s!!!
WTH!?!?!?!  I thought of a hundred horrible and possible things.  And my mind kinda exhausted itself.
When it/I recovered, I started over.  "Lending club" into google (again).  I read what google was showing.   Links for Lending Club personal loans and online banking (and a cpl others).
I realized I need to use online banking for my high yield savings account.
It's banking.lendingclub.com   instead of  lendingclub.com

BTW; it's current yield APR is 4.65%.

This is all my fault, not Lending Club (but they didn't make it as easy as it could be!!!)
I must have made an account on Lending Club personal loans when I was signing up for the high yield savings account (and used the same password).

[clarkfan1979]

About 10 years ago, my federal student loans got transferred to a new website portal. I was logging into my account about once a month at the time and had a balance of around $40,000. I logged in one day and my balance showed all zeros. My heart skipped and I was free!!!!!!!

About 15 minutes later, I found the new website with my $40,000 student loan balance, which was disappointing. However, those 15 minutes were one of the best 15 minutes of my life!!!!!

[Morning Glory]

This happens to me with Chase credit cards. My accounts are supposed to be linked but if I use my fingerprint I get the personal account which only shows a credit score right now and if I use the password I get the business account which is where I pay my bill currently.

[reeshau]

I have an IRA with Fidelity.  I also had my former employer's 401k there.  That account still shows in the list, with no balance.  I rolled it over nearly 3 years ago.  But whenever I go to do a trade, the default account is...the old 401k.  If I launch a trade from a particular screen, it takes the hint and chooses an active account.  But otherwise, if I don't pay attention, then I click to execute the trade and get "no funds" or "security not found" messages.  I come to expect it now, but it was alarming at first.  Now merely annoying.

There are reasons for working with Fidelity.  But the differences are so narrow now that the thought occasionally crosses my mind to move because of this repeated annoyance.

[index]

I had 5000 shares of a cheap $1ish stock once that had a misquote or fat fingered trade in the morning for $10. I signed in and thought I had made $50k for about 5 minutes. It was not to be.

[Dave1442397]

I have an IRA with Fidelity.  I also had my former employer's 401k there.  That account still shows in the list, with no balance.  I rolled it over nearly 3 years ago.  But whenever I go to do a trade, the default account is...the old 401k.  If I launch a trade from a particular screen, it takes the hint and chooses an active account.  But otherwise, if I don't pay attention, then I click to execute the trade and get "no funds" or "security not found" messages.  I come to expect it now, but it was alarming at first.  Now merely annoying.

There are reasons for working with Fidelity.  But the differences are so narrow now that the thought occasionally crosses my mind to move because of this repeated annoyance.

I had a 401(k) from a former employer that got rolled over when I left in 1995. It was still showing up on my list of Fidelity accounts until sometime this year. Maybe there was a 25-year purge :)

[solon]

I have an IRA with Fidelity.  I also had my former employer's 401k there.  That account still shows in the list, with no balance.  I rolled it over nearly 3 years ago.  But whenever I go to do a trade, the default account is...the old 401k.  If I launch a trade from a particular screen, it takes the hint and chooses an active account.  But otherwise, if I don't pay attention, then I click to execute the trade and get "no funds" or "security not found" messages.  I come to expect it now, but it was alarming at first.  Now merely annoying.

There are reasons for working with Fidelity.  But the differences are so narrow now that the thought occasionally crosses my mind to move because of this repeated annoyance.

I had a 401(k) from a former employer that got rolled over when I left in 1995. It was still showing up on my list of Fidelity accounts until sometime this year. Maybe there was a 25-year purge :)

Me too! Only it was from 1998, and it's still there! The other kicker is, I never actually worked for the company. I worked for the predecessor, then left, then the predecessor got bought. Fidelity shows my 401k from the buying company, even though I never worked there.

[Chris Pascale]

My heart skipped and I was free!!!!!!!

those 15 minutes were one of the best 15 minutes of my life!!!!!

Like that guy who thought he won the lottery, so took a dump on his boss' desk.

https://www.tiktok.com/@systemfailure2000/video/7191260289575226630

Or the Reno 911 crew: https://www.youtube.com/watch?v=hpwesfKJ1AI

[Chris Pascale]

I had 5000 shares of a cheap $1ish stock once that had a misquote or fat fingered trade in the morning for $10. I signed in and thought I had made $50k for about 5 minutes. It was not to be.

That's rough. What was the stock?

[Holocene]

Somewhat unrelated to the point of this thread, but consider T-bills or a treasury money market account like Vanguard's VUSXX for short-term savings, especially if you live in a state with income tax.

VUSXX is yielding 5.33% currently.  Taking into account that there's no state income tax on most of it, for me the tax-equivalent yield (TEY) is 5.83% (22% fed bracket, 6.8% state).  More than 1% over the APR you stated.

Fidelity MM fund yields are not quite as high due to higher ERs, but they can be used as a checking account more easily.  I get around 5.2-5.4% TEY there.  My paycheck is direct deposited there to earn interest immediately and I pay my bills from there.

Then I'm rolling 6 month T-bills at Fidelity earning an average of 6% TEY although it's trending down a bit lately.  They're set up for Autoroll so it's all automated now.  It's my "savings" so I'll only stop it if I need the money after exhausting my Fidelity and Vanguard MM funds.  If I was starting today, I'd probably just use VUSXX for the majority of my savings.  The yield difference was only ~0.1% on my latest purchase of T-bills this week so not really worth the minor extra effort.  But if rates start heading down, that will be nice to have locked in for 6 months.

[index]

I had 5000 shares of a cheap $1ish stock once that had a misquote or fat fingered trade in the morning for $10. I signed in and thought I had made $50k for about 5 minutes. It was not to be.

That's rough. What was the stock?

Ticker was IBAL. It ended up going private at a 60% premium so that was nice, but not a 10 bagger.