Where to Look for Savings Account Options

You can also get started by checking out this tool that includes a list of banks and displays daily rate updates for all the best savings accounts.

Since rates are always changing, I always like to start my searches with a quick tool to get the lay of the rate land at any given time...
Although your money will be safe there, the average American is hardly capitalizing getting rich on rates today.

According to CNN Money, the average savings account last year had only a 0.06% APY (annual percentage yield, or interest)...
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Balance sheet

It comprises:

Formally, shareholders' equity is part of the company's liabilities: they are funds "owing" to shareholders (after payment of all other liabilities); usually, however, "liabilities" is used in the more restrictive sense of liabilities excluding shareholders' equity...

Personal balance sheet

A personal balance sheet lists current assets such as cash in checking accounts and savings accounts, long-term assets such as common stock and real estate, current liabilities such as loan debt and mortgage debt due, or overdue, long-term liabilities such as mortgage and other loan debt...
Often, these businesses owe money to suppliers and to tax authorities, and the proprietors do not withdraw all their original capital and profits at the end of each period...
The difference between the assets and the liabilities is known as equity or the net assets or the net worth or capital of the company and according to the accounting equation, net worth must equal assets minus liabilities...
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Balance Transfer Offers

  1. See for how long the introduction card rate is valid
  2. Are there any monthly or annual fees?
  3. Is the intro rate applicable to all transfers made during the introductory period or is it only valid for the first transfer?
  4. Does the rate spread to any of your purchases?
  5. How big is the rate charged after the introductory period expires?
  6. Is an imprest checking account set for quick payouts?
  7. Are there transaction fees? If the answer is ‘yes’, how big are such fees?
Keeping an eye on transaction fees is a must...
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Checking Account

Free checking accounts provide basic opportunities for secure money storage and convenient bill payment and electronic shopping options...

If you want to have cashed checks sent to you by email or you’d like to use some kind of checking account package service, you must be ready to pay fees...
With checking accounts growing more and more popular, many banks offer user friendly online services with lucrative checking account rates ...
If you fail to live up to these criteria, you are not going to be ousted, but your returns may be almost as good as if you started a low interest checking account ...

High Interest Checking Accounts

High interest checking accounts yield substantial returns...
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Balance Transfer Credit Cards

Whatever kind of transfer you choose, there are a few must-know things, which you should bear in mind while choosing between different companies:

  1. The longevity of the introduction card rate
  2. Fees and commission charges
  3. To how many transfers the introductory rate is applied?
  4. Is the rate applied to your daily purchases?
  5. How will the rate change when the introductory period expires?
  6. Imprest checking account details
  7. Transaction fee size.
Credit card companies charge transfers differently...
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Checking Account Offers

There are several types of checking account offers:

However, because there is a certain share of risk, you should consider all the pros and cons before making a decision to open a checking account...
If you have a good cash flow, consider the accounts that allow for unlimited transactions
  • Try to find the highest interest rates and search the best checking account offers
  • Make sure you are comfortable with all the bank’s terms and conditions
  • Best Checking Account Promotions

    To get a new clientele, many banks offer checking account promotions available for those opening an account with them...

    Before accepting checking account offers from any bank, take the following factors into consideration: