You_PNP can_VM0 leverage_NN1 your_DPS online_AJ0 savings_NN2 account_VVB to_TO0 earn_VVI more_AV0 than_CJS a_AT0 few_DT0 pretty_AJ0 pennies_NN2 in_PRP interest_NN1 while_CJS you’re_AJ0 busy_AJ0 living_NN1 your_DPS life_NN1 ._SENT 
In_PRP our_DPS day-to-day_AJ0 digital_AJ0 lives_NN2 ,_PUN apps_NN2 of_PRF all_DT0 varieties_NN2 —_PUN from_PRP health_NN1 and_CJC fitness_NN1 apps_NN2 to_PRP coupon_NN1 apps_NN2 —_PUN can_VM0 make_VVI our_DPS lives_NN2 that_CJT much_DT0 easier_AJC ._SENT And_CJC thanks_NN2 to_PRP the_AT0 ease_NN1 of_PRF checking_VVG balances_NN2 with_PRP the_AT0 tap_NN1 of_PRF an_AT0 app_NN1 (_PUL as_CJS well_AV0 as_CJS valuable_AJ0 assistance_NN1 from_PRP robo_AJ0 financial_AJ0 advisors_NN2 )_PUR ,_PUN it_PNP 's_VBZ no_AT0 surprise_NN1 that_CJT online_AJ0 savings_NN2 accounts_NN2 have_VHB become_VVN the_AT0 norm_NN1 ._SENT But_CJC just_AV0 as_CJS you_PNP 'd_VM0 look_VVI for_PRP a_AT0 strong_AJ0 interest_NN1 rate_NN1 with_PRP your_DPS brick-and-mortar_AJ0 banking_NN1 institution_NN1 ,_PUN are_VBB you_PNP seeking_VVG a_AT0 higher_AJC savings_NN2 yield_VVB with_PRP your_DPS online_AJ0 accounts_NN2 ?_SENT Is_VBZ that_DT0 even_AV0 possible_AJ0 ?_SENT 
The_AT0 answer_NN1 is_VBZ yes_ITJ ._SENT Here_AV0 are_VBB few_DT0 expert_AJ0 tips_NN2 from_PRP financial_AJ0 advisors_NN2 on_PRP how_AVQ to_TO0 gain_VVI higher_AJC virtual_AJ0 savings_NN2 interest_NN1 rates_NN2 —_PUN so_CJS your_DPS money_NN1 can_VM0 make_VVI you_PNP money_NN1 while_CJS you_PNP 're_VBB off_AVP living_VVG life_NN1 ._SENT 
Know_VVB your_DPS rates_NN2 ._SENT 
When_CJS it_PNP comes_VVZ to_PRP seeking_VVG out_AVP higher_AJC yields_NN2 for_PRP your_DPS accounts_NN2 ,_PUN the_AT0 first_ORD step_NN1 is_VBZ knowing_VVG a_AT0 good_AJ0 range_NN1 of_PRF interest_NN1 rates_NN2 to_TO0 pursue_VVI ._SENT Like_PRP most_DT0 things_NN2 in_PRP life_NN1 ,_PUN interest_NN1 rates_NN2 fluctuate_VVB ,_PUN whether_CJS you_PNP 're_VBB banking_VVG digitally_AV0 or_CJC in_PRP person_NN1 ._SENT 
Kerry_NP0 Keihn_NP0 ,_PUN financial_AJ0 advisor_NN1 and_CJC director_NN1 of_PRF client_NN1 services_NN2 and_CJC operations_NN2 at_PRP Earth_NN1 Equity_NN1 Advisors_NN2 shares_VVZ that_CJT a_AT0 solid_AJ0 (_PUL current_AJ0 )_PUR interest_NN1 rate_NN1 to_TO0 seek_VVI is_VBZ in_PRP the_AT0 range_NN1 of_PRF 0.15_CRD percent_NN0 to_PRP 0.60_CRD percent_NN0 ._SENT 
Naturally_AV0 ,_PUN you_PNP 'll_VM0 want_VVI to_TO0 stay_VVI on_PRP top_NN1 of_PRF the_AT0 information_NN1 your_DPS bank_NN1 gives_VVZ you_PNP as_PRP rates_NN2 change_NN1 ._SENT This_DT0 way_NN1 ,_PUN you_PNP can_VM0 make_VVI informed_AJ0 choices_NN2 —_PUN including_VVG ,_PUN if_CJS necessary_AJ0 ,_PUN transferring_VVG your_DPS balances_NN2 to_PRP another_DT0 location_NN1 where_CJS you_PNP 'll_VM0 be_VBI earning_VVG the_AT0 most_DT0 ._SENT 
Determine_VVB which_DTQ bank_NN1 is_VBZ right_AJ0 for_PRP you_PNP ._SENT 
Once_AV0 you_PNP have_VHB the_AT0 percentage_NN1 of_PRF interest_NN1 you_PNP hope_VVB to_TO0 earn_VVI with_PRP your_DPS account_NN1 ,_PUN it_PNP 's_VBZ time_NN1 to_TO0 see_VVI if_CJS your_DPS current_AJ0 bank_NN1 matches_VVZ that_DT0 rate_NN1 ._SENT If_CJS not_XX0 ,_PUN you_PNP can_VM0 consider_VVI switching_VVG to_PRP a_AT0 bank_NN1 that_CJT offers_VVZ your_DPS targeted_AJ0 interest_NN1 rate_NN1 ._SENT 
Ellen_NP0 Li_NP0 ,_PUN CFP_NP0 ,_PUN MSNA_NP0 ,_PUN lead_NN1 advisor_NN1 and_CJC partner_NN1 at_PRP Financial_AJ0 Alternatives_NN2 recommends_VVZ checking_VVG your_DPS current_AJ0 bank_NN1 's_POS 1099-INT_AJ0 statement_NN1 and_CJC going_VVG from_PRP there_AV0 ._SENT "_PUQ Sometimes_AV0 investors_NN2 think_VVB they_PNP are_VBB earning_VVG one_CRD rate_NN1 ,_PUN but_CJC the_AT0 actual_AJ0 rate_NN1 they_PNP are_VBB earning_VVG is_VBZ a_AT0 lot_NN1 less_AV0 ,_PUN "_PUQ she_PNP says_VVZ ._SENT 
Li_NP0 also_AV0 echoes_VVZ the_AT0 earlier_AJC advice_NN1 to_TO0 keep_VVI tabs_NN2 on_PRP fluctuations_NN2 in_PRP interest_NN1 rates_NN2 ._SENT The_AT0 rate_NN1 from_PRP one_CRD bank_NN1 might_VM0 be_VBI competitive_AJ0 now_AV0 ..._PUN it_PNP might_VM0 not_XX0 be_VBI competitive_AJ0 at_PRP all_DT0 in_PRP a_AT0 year_NN1 or_CJC two_CRD ,_PUN "_PUQ she_PNP adds_VVZ ._SENT 
Before_AV0 you_PNP up_AVP and_CJC switch_VVB banks_NN2 ,_PUN take_VVB time_NN1 to_TO0 do_VDI your_DPS research_NN1 to_TO0 see_VVI what_DTQ online_AJ0 bank_NN1 is_VBZ right_AJ0 for_PRP you_PNP —_PUN not_XX0 only_AV0 in_PRP terms_NN2 of_PRF interest_NN1 rate_NN1 ,_PUN but_CJC also_AV0 in_PRP terms_NN2 of_PRF accessibility_NN1 ,_PUN fraud_NN1 protection_NN1 ,_PUN points_NN2 and_CJC perks_NN2 ,_PUN and_CJC more_AV0 ._SENT 
"_PUQ Most_DT0 online_AJ0 banking_NN1 options_NN2 have_VHB a_AT0 lot_NN1 of_PRF features_NN2 and_CJC are_VBB user-friendly_AJ0 ,_PUN but_CJC you_PNP want_VVB to_TO0 be_VBI sure_AJ0 that_CJT by_PRP switching_VVG banks_NN2 you_PNP wo_VM0 n't_XX0 miss_VVI something_PNI you_PNP use_VVB regularly_AV0 ,_PUN "_PUQ Keihn_NP0 advises_VVZ ._SENT 
Remember_VVB to_TO0 read_VVI the_AT0 fine_AJ0 print_NN1 ._SENT 
Now_AV0 that_CJT you_PNP 've_VHB found_VVN an_AT0 opportunity_NN1 to_TO0 capitalize_VVI on_PRP a_AT0 higher_AJC online_AJ0 savings_NN2 interest_NN1 rate_NN1 ,_PUN it_PNP 's_VBZ important_AJ0 you_PNP read_VVB the_AT0 fine_AJ0 print_NN1 ._SENT Often_AV0 ,_PUN other_AJ0 stipulations_NN2 ,_PUN such_DT0 as_PRP higher_AJC fees_NN2 ,_PUN come_VVB along_AVP with_PRP a_AT0 better_AJC interest_NN1 rate_NN1 ._SENT 
Keihn_NP0 urges_VVZ consumers_NN2 to_TO0 take_VVI their_DPS time_NN1 comparing_VVG fees_NN2 at_PRP their_DPS current_AJ0 bank_NN1 versus_PRP various_AJ0 other_AJ0 banking_NN1 options_NN2 ._SENT She_PNP points_VVZ out_AVP that_CJT while_CJS online_AJ0 banks_NN2 are_VBB more_AV0 affordable_AJ0 than_CJS traditional_AJ0 in-person-only_AJ0 options_NN2 and_CJC tend_VVB to_TO0 have_VHI higher_AJC yields_NN2 ,_PUN they_PNP can_VM0 come_VVI packaged_VVN with_PRP higher_AJC fees_NN2 ._SENT Therefore_AV0 ,_PUN making_VVG the_AT0 transition_NN1 may_VM0 not_XX0 be_VBI worth_PRP your_DPS while_NN1 ._SENT 
In_PRP addition_NN1 to_PRP clocking_VVG those_DT0 potentially_AV0 steeper_AJC fees_NN2 ,_PUN Li_NP0 advises_VVZ savers_NN2 to_TO0 monitor_VVI the_AT0 amount_NN1 of_PRF money_NN1 they_PNP plan_VVB on_PRP accruing_VVG in_PRP digital_AJ0 savings_NN2 over_PRP time_NN1 :_PUN Make_VVB sure_AJ0 it_PNP stays_VVZ below_PRP the_AT0 FDIC_AJ0 limit_NN1 of_PRF $_NN0 250_CRD ,_PUN 000._CRD In_PRP addition_NN1 ,_PUN triple-check_AJ0 to_TO0 make_VVI sure_AJ0 your_DPS online_AJ0 bank_NN1 is_VBZ FDIC-insured_AJ0 ._SENT 
Last_ORD but_CJC not_XX0 least_AV0 ,_PUN in_PRP certain_AJ0 states_NN2 ,_PUN such_DT0 as_PRP California_NP0 ,_PUN online_AJ0 banks_NN2 may_VM0 not_XX0 support_VVI trust_NN1 accounts_NN2 ._SENT If_CJS that_DT0 's_VBZ important_AJ0 to_PRP you_PNP ,_PUN make_VVB sure_AJ0 you_PNP ask_VVB before_PRP switching_VVG banks_NN2 ._SENT 
Consider_VVB a_AT0 savings_NN2 hybrid_AJ0 option_NN1 ._SENT 
For_PRP those_DT0 who_PNQ are_VBB n't_XX0 yet_AV0 ready_AJ0 to_TO0 have_VHI all_DT0 of_PRF their_DPS assets_NN2 online_AJ0 ,_PUN Keihn_NP0 shares_VVZ that_CJT it_PNP 's_VBZ perfectly_AV0 acceptable_AJ0 to_TO0 move_VVI part_NN1 of_PRF your_DPS savings_NN2 to_PRP digital_AJ0 and_CJC keep_VVB a_AT0 remaining_AJ0 balance_NN1 in_PRP a_AT0 brick-and-mortar_AJ0 bank_NN1 ._SENT As_CJS of_PRF today_AV0 ,_PUN the_AT0 average_AJ0 United_NP0 States_NP0 interest_NN1 rate_NN1 is_VBZ a_AT0 mere_AJ0 0.6_CRD percent_NN0 ,_PUN but_CJC Keihn_NP0 says_VVZ this_DT0 does_VDZ n't_XX0 mean_VVI there_EX0 is_VBZ n't_XX0 an_AT0 opportunity_NN1 to_TO0 seek_VVI out_AVP higher_AJC yields_NN2 ._SENT 
"_PUQ In_PRP addition_NN1 to_PRP evaluating_VVG a_AT0 bank_NN1 based_VVN on_PRP its_DPS fees_NN2 and_CJC interest_NN1 rates_NN2 ,_PUN do_VDB n't_XX0 forget_VVI you_PNP can_VM0 also_AV0 evaluate_VVI how_AVQ it_PNP aligns_VVZ with_PRP your_DPS values_NN2 ,_PUN "_PUQ Keihn_NP0 adds_VVZ ._SENT Just_AV0 because_CJS online_AJ0 accounts_NN2 are_VBB an_AT0 app_NN1 tap_NN1 away_AV0 ,_PUN do_VDB n't_XX0 overlook_VVI local_AJ0 branches_NN2 as_CJS well_AV0 as_CJS credit_NN1 unions_NN2 ._SENT "_PUQ Local_AJ0 community_NN1 banks_NN2 and_CJC credit_NN1 unions_NN2 often_AV0 have_VHB good_AJ0 interest_NN1 rates_NN2 with_PRP online_AJ0 banking_NN1 features_NN2 ,_PUN and_CJC are_VBB important_AJ0 community_NN1 players_NN2 (_PUL some_DT0 even_AV0 provide_VVB financing_NN1 for_PRP green_AJ0 home_NN1 improvements_NN2 )_PUR ,_PUN "_PUQ she_PNP explains_VVZ ._SENT 
All_DT0 in_PRP all_DT0 ,_PUN opting_VVG for_PRP this_DT0 type_NN1 of_PRF two-part_AJ0 ,_PUN hybrid_AJ0 savings_NN2 account_NN1 —_PUN with_PRP one_CRD account_NN1 at_PRP a_AT0 small_AJ0 local_AJ0 bank_NN1 or_CJC credit_NN1 union_NN1 and_CJC another_DT0 at_PRP a_AT0 major_AJ0 online_AJ0 bank_NN1 earning_VVG you_PNP high_AJ0 interest_NN1 —_PUN may_VM0 be_VBI your_DPS best_AJS bet_NN1 to_TO0 earn_VVI the_AT0 most_DT0 for_PRP your_DPS money_NN1 while_CJS maintaining_VVG your_DPS peace_NN1 of_PRF mind_NN1 ._SENT 
