Top 10 High-Yield Savings Accounts for Smart Savers
Discover the top 10高收益儲蓄帳戶，包括BNY、Ally、Barclays和其他提供高利率及無月費、無最低存款的優質選擇。這些帳戶讓你輕鬆存錢並賺取利息，適合想最大化收益的存款者。了解每個銀行的特色，選擇最適合你需求的儲蓄方案，實現財務增值。無論是短期還是長期儲蓄，這些帳戶都能幫助你智慧理財、輕鬆管理資金。
Top 10 High-Yield Savings Accounts for Smart Savers
Many overlook the significance of a savings account until a large, liquid fund becomes necessary. A savings account helps you prepare for unexpected expenses and earns interest as your money grows. Below are ten of the best savings options to consider for maximizing your savings and earning potential.
My Savings Direct
A division of Emigrant Bank, My Savings Direct offers high-interest savings accounts without fees or minimum deposit requirements. The account opening process is fully online, ensuring quick and seamless access. It requires no minimum balance and charges no service fees, making it highly attractive.
The account features no minimum balance requirement and zero service charges.
Ally Bank
Ally offers an annual percentage yield (APY) of 1.05%, with no monthly maintenance fees or minimum deposit needed. Transferring funds between Ally accounts or from other banks is straightforward, and you can schedule transfers up to a year in advance.
Barclays Bank
Providing a 1% APY, Barclays has no minimum balance or monthly fees. Its savings tools help set goals and track progress, aiding effective savings planning.
iGobanking.com
Offers a 1.00% APY with no minimum deposit or monthly maintenance costs. Flexible deposit options include online or mobile cheque deposits.
CIT Bank
Features a 1.05% APY requiring a minimum deposit of $100 and no monthly fees, making it a competitive choice.
Synchrony Bank
With FDIC insurance, Synchrony offers a 1.05% APY, no minimum balance or monthly fees, and an ATM card for easy access.
American Express Bank
While its APY is 0.09%, it compensates with 24/7 online access, no monthly fees, and no minimum deposit.
Bank5 Connect
Provides a 0.90% APY, including free online/mobile banking, overdraft protection, and FDIC coverage. The minimum opening deposit is $10, with interest earned on balances of $100 or more.
Capital One 360 Savings
No minimum deposit or fees, with a 0.75% APY. Its mobile app facilitates easy cheque deposits.
FNBO Direct Online
No monthly fees or minimum balance; opens with just $1 and offers a 0.95% APY.
