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| *Loan,banking and credit>>>bank account |
Which banks are good for savings accounts? |
I would like to open another savings account but I wanted to see which banks offer a savings account where you can only deposit money until a set time. Like, you cant touch the money for a year or something? Is that possible? If so, where? Dutch bank ING Direct - offers some (relatively) high interest savings account.. they cut costs by offering minimal storefronts and have "branches" worlwide: Canada, US, Germany, France, Australia, UK.. http://home.ingdirect.com/ what you are referring to insofar as "untouchable" money is a GIC account (Guaranteed Investment Certificate) in Canada or a "Certificate of Deposit" in the States - essentially a term deposit that locks you in for a period of time - in exchange for higher interest dividends.. essentially a term deposit. Usually banks advertise this as a Christmas fund where you can deposit money all year and only withdraw about a month before Christmas. I think most banks have one of these accounts but, try the most prominant first like Wells Fargo and Washington Mutual. I know TCF used to offer this service as well. Go to your local Credit Union. They can help you. They are safe and they are the biggest. Even bigger than B of A and all the others. Bank of America has a keep the change program in which you can literally keep the change from every purchase you made from your debit card. So, I think that is the best. HSBC and Citi Bank both have on-line savings accounts which offer a pretty good return and you only have to keep the money in the account for 3 months. Then you can start making withdrawals. If you want something that you cannot touch for a year, then you can talk to different banks on getting a CD. |
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