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
Identity Theft Protection for Families
The following is an actual user submitted question:
Q: Do identity theft protection services typically include coverage for both husband and wife, or do you have to buy 2 policies?
A. Typically, identity theft protection services are targeted toward individuals because your social security number is a singular identifier. But good news, there are some [...]
Copy machines can store your private info
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
Today, copy machines, fax machines and many printers are just like computers; they?re smart and they have hard drives or flash drives and can store data that can be extracted. Peripherals in the olden days, just like dot-com-heavy stock portfolios, were dumb.
Because of the increased demand of networked [...]
New Norton discount saves 15%
Norton has brought back its 15% discount, this time with the coupon code: CNEXTNIS. Just enter that code in at checkout and it brings the price of the award-winning Internet security software down to $59.49 for the year. We think it's well worth the price
To get the full scoop on Norton Internet Security and see how [...]
Does the Carbonite remote access feature allow me to view any file or email i...
The following is an actual user submitted question:
Q: I am considering buying Carbonite and would like to know if I still need GoToMyPC remote access program if Carbonite allows for remote access? Does the Carbonite remote access feature allow me to view any file or email individually from any computer, similar to the GoToMyPC program?
A: [...]
Does Vonage require high speed internet to work?
The following is an actual reader submitted question:
Q. Do you need to have high speed internet for Vonage to work? Can you buy high speed internet from Vonage?
A. Yes, you do need high speed internet in order for Vonage to function. Vonage uses VoIP (Voice over Internet Protocol) technology which requires a high [...]
Pay-at-the-Pump Skimming Using Bluetooth
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
Skimming data off of debit and credit cards has been happening at ATMs, gas pumps and electronic funds transfer point of sale terminals for quite some time.
When criminals plant skimming devices, they have to physically attach a skimming device that fits over the face of the ATM?s card [...]
Are Webroot and Trend Micro the same? Is it harmful to have them on at the sa...
The following is an actual user-submitted question:
Q: Are Webroot and Trend Micro the same? Is it harmful to have them on at the same time? Or is it a waste of money, and am I doing double security?
A: This is a good question. It reminds me of a scene from a Billy Wilder movie called [...]
SugarSync discounts personal plans
We reviewed SugarSync for Business on Monday. Today we're reporting that the online backup service is offering exclusive 15% discounts on its 60GB and 100GB plans. It's a limited time offer; in fact customers have until March 31st. We really liked SugarSync when we reviewed it. It's a fun and feature-rich service that's particularly useful for [...]
Credit Report Statue of Limitations
The following is an actual reader submitted question:
Q: How long does debt stay on your credit report?
A: According to the FTC's Fair Credit Reporting act, most negative credit information will stay on your credit report for 7.5 years (7 years + 180 days) from the date of delinquency. It can be a bit confusing, but [...]
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 [...]
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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