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Consider These 5 High-Yield Savings Online Savings Accounts

Consider These 5 High-Yield Savings Online Savings Accounts

Online savings accounts enable you to park your money and benefit from their high-yield savings rates. However, it is important to choose from the best online savings accounts to reap the benefits of high saving rates. Online banks offer high rates as they don’t have the expense of maintaining branches.

Discover Online Savings Account
Discover Bank offers an annual percentage yield (APY) of 2.10% and is an easy-to-use website where you can open your account. Discover only has one branch in Delaware, however, you can get access to their customer service 24*7. As you open your account, you will receive a $150 or $200 bonus for your first-time savings account. There are no monthly fees but you need to have a deposit of around $15,000 or $25,000.

American Express® Personal Savings High Yield Savings Account
This popular credit card company also offers a high-yield savings account that has an impressive APY of 2.10%. You are not required to have a minimum balance or pay any monthly fees; however, the company does not have any ATM network and does not offer any checks.

Barclays Online Savings Account
This bank account offers a 2.20% APY and requires no monthly fee or minimum balance. Online account creation is smooth on their streamlined website and the customer service is available by phone. Although it is a high-yield savings account, there is no checking account that this bank offers, and neither does it have an ATM network.

PurePoint Online Savings Account
The APY here is around 2.35% and requires a minimum balance of around $10,000. Although the amount is higher than most banks, there are no monthly fees. The online features this bank account offers are impressive and useful as they contribute to high-yield savings.

Citizens Access Online Savings Account
The online-only division of Citizens Bank allows savings account that offers the best available rate. You will need to deposit $5,000 to open an account, which may sound much higher than other banks but there are no monthly fees. Also, if your balance drops below $5,000, the APY that is originally around 2.35%, also drops. Therefore, it is important to ensure a minimum balance of $5,000.

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