Start with yield, then inspect the rules
A strong deposit account combines a competitive APY with federal insurance, manageable minimums, no avoidable monthly fee, and access that matches your timeline.
Savings accounts suit flexible cash. CDs exchange flexibility for a fixed rate. Comparing both prevents a headline yield from hiding a poor fit.
Our banking review standard
BankCheap checks published APY, deposit requirements, fees, term restrictions, insurance status, and withdrawal access. We separate rate facts from promotional language and show when terms can change.