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작성자 레몬 댓글 0건 조회 1,670회 작성일 11-08-31 09:41
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High-yield savings accounts pay a higher annual yield than standard savings accounts. Typically, high-yield savings accounts have requirements that have to be met each month in return for a higher interest rate on the balance. To establish a high-yield savings account or move your account to another institution, a side-by-side comparison of the accounts helps you choose the one that is right for you.
1
Rank the high-yield savings accounts you're considering by ordering the accounts starting with the highest yield rate.
2
Read the requirements that must be met for the savings account to see if a minimum deposit is required to open the account and whether a minimum balance is required to be kept in the account. Some high-yield accounts pay the high yield rate only if all of the requirements are met, so if you do not keep the minimum balance, you may be paid a lower interest rate on the money in the account.
3
Check the account criteria to see if there are limitations on how many times per month or per period you can withdraw or transfer money out of the account. Some accounts cap the amount of withdrawals you can make. If you intend on making withdrawals over the allotted amount, you may be charged a fee or not receive the high yield.
4
Inquire as to whether direct deposit or an automatic bill payment is required from the savings account. Again, not meeting the account requirements can decrease the yield you earn.
5
Read all other requirements you have to meet to earn the high yield. For example, some high-yield savings accounts require you to receive electronic bank statements instead of paper ones.
6
Pick the high-yield savings account that has requirements that you can meet and that offers the highest yield. For example, if you cannot meet the minimum balance requirement of the high-yield savings account that pays the highest rate, choose the savings account with the highest rate for the balance minimum you can meet.
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