Then imagine it replying: "Sorry, the website won't let me in." That's the quiet failure mode behind most AI agents today.

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Editor's Note: APYs listed in this article are up-to-date as of the time of publication. CNBC Select will update as changes are made public. With a high-yield savings account, your annual percentage ...

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Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about ...