Business & Finance Personal Finance

How to Understand Savings Accounts

    • 1). Determine the basic information of the savings account, such as the interest served on the savings account, whether the interest is paid quarterly or annually and methods of accessing the money in the account, such as ATM cards or passbooks.

    • 2). Deposit money regularly into your savings account. A good amount to deposit is 10 percent of your paycheck, although this may be adjusted to accommodate your individual financial situation.

    • 3). View statements monthly as they come in. You can see how much interest your money accrues over the course of months that your money is in there. Keep the statements in a folder or other area for reviewing, and monitor the total interest accrued.

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