Americans are leaving what could be billions of dollars on the table by using traditional savings accounts at brick-and-mortar banks. (via CNBCMakeIt)
Survey respondents generally say they do not have enough money to make a high-yield account worthwhile, Bankrate finds. But you don't need to have a ton of cash on hand to benefit from or open oneMore than half of the accounts surveyed require a minimum deposit of $100 or less, and 35% have no minimum deposit required to earn the advertised interest rate.
What's more, 62% of the accounts have no ongoing balance requirement to earn the high yield, and 77% have no monthly fee. "It doesn't matter how little you've saved or where you live, you can and should be earning a competitive return on your savings," said McBride. It doesn't matter how little you've saved or where you live, you can and should be earning a competitive return on your savings.Another worry: Having access to a physical bank office. Per Bankrate, 34% of survey respondents who don't have an online account say they want to be able to go to a local branch.
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