How a former banker chooses his high-yield savings accounts - Business Insider

Two crossed lines that form an 'X'. It indicates a way to close an interaction, or dismiss a notification.Some banks charge a monthly fee if you don't maintain a minimum balance, but most high-yield savings accounts have no recurring fees or minimums.

As you might expect of someone who writes about money all day , I'm pretty big on saving and staying financially prepared for the future.for my emergency fund, property taxes, and insurance on my home, and an extra cash cushion for peace of mind. Thanks to my savings, I can handle just about any financial need for my family of five without taking on debt or selling investments.

Because banks need deposits to make loans and earn money, they pay interest to account holders. Some of the biggest traditional banks pay just 0.01% interest. And at 0.09%, the average savings account interest rate in the US isn't great.

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