Bank of America only has one savings account, Advantage Savings. You'll earn 0.01% APY unless you're a Preferred Rewards member — depending on whether you're a Gold, Platinum, or Platinum Honors member, you'll earn 0.04%, 0.05%, or 0.06%, respectively.
The difference between 0.05% and 0.06% probably isn't significant enough to make you choose one bank over another. Your choice may come down to which bank has a branch closer to your house or whether you qualify to waive the monthly fee with one bank or the other.Like Chase, Wells Fargo has two tiers of savings accounts — but unlike Chase, Wells Fargo's higher-tier account pays a higher rate than its lower-tier account, even if you don't qualify for its bonus rates.
Still, neither bank's rates are anything to write home about. Your choice may depend on which bank has a branch closer to you or whether you can opt out of monthly fees. If you can't waive monthly fees at either bank, it might make a difference that Wells Fargo's higher-tier account charges $12 monthly, while Chase's charges $25.
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