These accounts usually don’t offer an ATM card, debit card or checks. You’ll also find savings accounts for kids and specialty savings accounts, such as a Christmas Club account.īanks and credit unions typically limit the number of withdrawals and transactions you can make per month from a savings account to six. Online banks, on the other hand, often provide high-yield savings accounts. The interest rate depends on where you do your banking and the type of savings account you open.įor example, brick-and-mortar banks generally offer regular savings accounts, often earning a low interest rate. Savings accounts are available at traditional banks, credit unions, and online banks. You can link this type of account to other accounts, such as a checking account. A savings account is a deposit account found at banks and credit unions that you can add money to regularly.
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