Savings Account
| Services: | Our Ratings: | Bottom Line: |
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Feature-rich, reliable, and fast |
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Straightforward terms and service; opportunities to earn bonus interest; great choice for those who will maintain a balance above $2,500 |
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Good choice for those who will maintain a balance above $10,000 |
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Complex tiered APY system; good for those who will maintain a balance above $5,000 |
NextAdvisor Blog Headlines
Vonage World Savings for the Military and International Calls
We frequently receive user questions about whether their friend/spouse/coworker can make calls to the US using Vonage World. In a word, the answer is yes. That means that if you:
1. Are in the military, deployed overseas OR
2. Outside of the US, making calls to the US
AND you have a high speed internet connection, Vonage World [...]
Hacking humans' naiveté
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
Naiveté: A lack of sophistication or worldliness. That sums up a lot of people I know. "There's a sucker born every minute" is a phrase often credited to P.T. Barnum (1810 ? 1891), an American showman. It is generally taken to mean that there are (and always will [...]
SugarSync for business reviewed
We really liked SugarSync's personal backup service when we tested it, so we were eager to see how its SugarSync for Business plan differs. Strangely, the biggest difference seems to be in the price, and not the functionality; from a price perspective, that's a very good thing.
The base price is currently $29.99 per month for [...]
The $10,000 fake ID
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
When I was 17, my friend ?Baldo,? as he was known by all, was the Fake ID Master. He also fixed TV?s and still does today. But he didn?t actually create ?fake IDs,? he altered real ones. The technology he used back then is still used today. It?s [...]
Unemployed Tax Filing Guidelines
Being unemployed is more common than not in the current economic climate. And it comes with it's own set of questions about how this might affect your 2009 tax filing requirements. If you spent some (or all) of 2009 unemployed and want to know if you need to file, we break down the basics below.
Federal [...]
Does Identity Guard accept prepaid credit cards for enrollment?
The following is an actual reader submitted question:
Q: Does Identity Guard accept prepaid credit cards for enrollment?
A: Currently, Identity Guard does not accept prepaid credit cards to enroll in their identity theft protection services. They do, however, accept both debit cards and regular (non-prepaid) credit cards. If you don't have a regular credit card, [...]
myFICO turns 9, offers exclusive 30% myFICO discount
Credit report monitoring company myFICO is turning nine years old, and they're giving you a present. Until March 31st you can get 30% off of any of their services including Score Watch, Suze Orman's FICO Kit Platinum, FICO Quarterly Monitoring, and ID Freeze. When our reviewers looked at Score Watch, they found it to be [...]
Assassin or identity theft victim?
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
The assassination of senior Hamas terrorist Mahmoud al-Mabhouh has made a little buzz in the States, but over in Dubai, as more details become available, it is becoming apparent to some (depending on which side of the wall you live on) that the real assassins stole the identities [...]
Does Carbonite back up my computer software programs and all my data, documen...
The following is an actual reader submitted question:
Q: Does Carbonite back up my computer software programs and all my data, documents, and video files?
A: With unlimited online backup storage, Carbonite can back up everything on your computer including your programs. By default, it's not set up to do that, so you'll have to specify that [...]
When FTC sends a warning, data theft has jumped the shark
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
When Fonzie jumped the shark, that spelt the end of Happy Days.
The FTC's warning to 100 companies and agencies, that their employees are leaking client and sensitive data on the web via Peer to Peer file sharing (P2P), is the single most pathetic and embarrassing communication to come across [...]
Did you know?
We all know how important it is to save money, but did you know that many banks offer a significantly higher return on money saved than others? If you are simply signing up for a savings account with your bank without shopping around for the best rates, you may be costing yourself lots of money over the lifetime of the account. There are many important factors to consider when selecting a savings account. You need to understand the fees associated with the account and whether or not there are minimum balances you must maintain in the account. We have reviewed a number of savings accounts from a mixture of offline and Internet only banks to help you discover the best savings account for your needs. All of the savings accounts we have reviewed are insured by the FDIC. This means that no matter which savings account that you choose, you can rest assured that the money in your savings account is protected by the United States government.
Learn more by visiting our savings account reviews and comparison.
What is an APY?
APY, or Annual Percentage Yield, is the rate at which you will earn on the balance in your savings account over the course of a year. Simply put, the higher your APY, the more money you will earn on the money you've set aside for savings. Generally, the higher your APY the better but some higher APY accounts may include maintenance minimums or minimum balances you must maintain in your savings account in order to receive the highest APY rates.
Can I Access My Money?
Unlike your checking account, savings accounts are designed to earn you money over the long term. You will typically not have access to the funds in your savings account. For example, you won't always be given a debit card or check book to make payments using your savings balance. However, you can typically make transfers in and out of your savings account through electronic transfers, wire transfers or a check from another account. It is important to keep this in mind when deciding how much money to keep in your savings account.
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