Copy-safe checklist
Use this as an educational worksheet before treating any 4.9% money market headline as meaningful.
Questions to ask
Is the publisher clearly identified and reachable?
Does the page explain whether 4.9% is APY, a sample, or a variable rate?
Are fees, minimums, and eligibility requirements visible before any form?
Does it avoid pressure language like guaranteed, risk-free profit, or claim now?
Does it avoid asking for SSN, card number, account number, or passwords on an educational page?