The easiest answer is open an account that best suits your needs with lowest costs and highest rate of return. To be a little less vague, the following features are some of the most commonly sought after by internet bank shoppers, The APY paid on the account, the fees for ATM use and the extent of access to an ATM network, the ability to link accounts to transfer money between accounts, general services provided by the bank such as additional products, 24 hour phone, service and electronic bill paying, safety and security (make sure they are FDIC insured).

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