Compare the interest rate or APY
Check for monthly maintenance fees
Look for minimum opening deposit requirements
Review minimum balance requirements
Confirm FDIC or NCUA insurance
Evaluate access to ATMs and branches
Check transfer limits and withdrawal rules
Consider online and mobile banking features
Review customer service availability
Compare overdraft and other account fees
Look for easy linking to checking accounts
Assess how often interest is compounded
Check whether the rate is introductory or ongoing
Consider whether the account fits your savings goals