I'm looking for a safe way to get some interest on about $100k. I'm on a student visa in the USA (MA), so many types of account are not available to me. I'm thinking of going with a regular savings account.

There seems to be a huge variability across banks, though:

• Citizen's bank offers 0.02%
• Bank of America offers 0.05% (conditional on balance > 100k)
• TD Bank offers 0.30% (0.5% with "rate boost")
• Capital one offers 0.75% (no conditions) or 1.00% (MMA)

All of these accounts seem to be FDIC insured. What's the catch? More precisely:

• Are there differences between money-market accounts and regular saving accounts?
• Are there significant downsides to choosing one of the higher-interest banks? What should I be wary of? Concretely, if I put these $100k in a BofA savings account they'll get me $20 in interest, while putting them with Capital One would get me $750. Am I miscalculating something?