Even worse is the rules that benefit the IRS. Owe them money? They have seven years to chase you down and can charge you interest and fees. They owe you money? You got three years to claim it, and you don’t get to collect interest or fees.
If you do that, consider Discover for your savings. A basic, no balance savings that just requires regular deposits is down to something like 1.8% right now, though I haven’t checked lately what mine is.
Even worse is the rules that benefit the IRS. Owe them money? They have seven years to chase you down and can charge you interest and fees. They owe you money? You got three years to claim it, and you don’t get to collect interest or fees.