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  • What Type of Bank Account is Right for You?

    What type of bank account should you open? The answer depends on how you plan to use the bank account. If you want to build up your savings and you think that you will not need your money soon, a certificate of deposit may be the right type of bank account for you. If you need to reach your money, however, a savings or checking account may be a better type of bank account for you. You will probably find that a checking account is best for you if you plan to write several checks each month (for example, to pay bills). But if you usually write only two or three checks each month, then a money market account might be a better deal. Money market accounts usually pay a higher rate of interest than do checking accounts, but minimum balance requirements for this type of bank account are often higher as well. Below is a bank account comparison chart to help you, but remember that bank account features and bank fees vary from one banking institution to the next. If you have questions, you should ask a representative of the institution about any bank account features and bank fees BEFORE you open a bank account.
    Type of Bank Account
    Will I Earn Interest?
    May I Write Checks?
    Are There Bank Withdrawal Limitations?
    Are Bank Fees Likely?
    Regular Checking Account
    No
    Yes
    No
    Yes
    Interest Checking Account (NOW)
    Yes
    Yes
    No
    Yes
    Money Market Account
    Yes, usually higher than NOW or savings
    Yes, only 3 per month
    Yes, 6 transfers per month
    Yes
    Savings Account
    Yes
    No
    Same as MMDA
    Yes
    Certificate of Deposit (CD)
    Yes, usually higher than MMDA
    No
    Yes, usually no withdrawals of principal until the date of maturity
    Yes, if you withdraw from principal before maturity date
    摘自
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  • 原文地址:https://www.cnblogs.com/benhuan/p/3302062.html
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