Capital One 360 Savings (capitalone.com/bank): This is the savings account I use. It lets you create virtual sub-savings accounts, in which you can specify savings goals like an emergency fund, wedding, or down payment for a house. You can also set up automatic transfers to other accounts (“Transfer $100 on the 1st of every month from my checking account to my savings account, and send $20 to my investment account on the 5th of every month”). There are no fees, no minimums, and no tricky up-sells or annoying promotions. It’s not always the highest interest rate, but it’s close. Capital One 360
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