How To Pick A Savings Account |

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How To Pick A Savings Account

January 3rd, 2013 Personal Finance

If you're trying to save money, having a savings account can be incredibly helpful. Not only does it ensure that your money is protected, but most banks pay some amount of interest on the account balance. Granted, it tends to be a relatively low percentage, but it's better than nothing!

Opening a savings account is a relatively simple task, though there are a few things you'll want to take into consideration before signing on with a bank. One of the most important things to keep in mind is which bank you'll be doing business with. You want one that is fairly easy for you to visit in person. Also take note of what sort of interest they pay - some banks offer more interest based on how large your account balance is, while others provide a set amount no matter how much money you have.

Have a look at what sort of fees the bank charges. Most major ones will at the very least deduct a certain amount from your account once a month as a maintenance fee. Naturally, this money will come out of your savings, so you want to lower how much you'll have to pay.

You may even want to consider signing on with an online bank. Although they don't have any physical branches, many offer larger interest payments and fewer fees than their brick-and-mortar counterparts.

Have a look at any rewards a bank might offer you for opening an account. You may even be able to pick up an extra $100 or $150 simply by starting a savings account! This may require you to jump through a few extra hoops, but if you're willing to do so, it could yield decent returns.