Savings Accounts

Capital One® Direct Banking FAVORITE Get a 1.45% Annual Percentage Yield on balances of $2,500 or more. Get a 10% bonus on your interest earned four times a year. Just open and use your Capital One credit card at least once a month or keep an average balance of $15,000 in your savings account each month to qualify. No Fees. FDIC Insured. Easy transfers. This Annual Percentage Yield is accurate as of February 3, 2010. Bank APY Min to Open Min Balance Mo. Fees FDIC Capital One® Direct Banking 1.45% $2,500 $2,500 None Y

Ally Bank Get real change at Ally Bank! At Ally Bank there are No Minimum Deposits, No Monthly Fees, and No Minimum Balance. Earn one of the highest rates in the nation with an Ally Bank Online Savings Account. With your Online Savings Account you also get Free Online banking transactions. Ally Bank also offers some of the highest earning Certificates of Deposit. Choose either the Classic CD or No Penalty CD. Terms range from 3 months to 5 years and there is No Minimum Deposit. Ally Bank was named the Best Online Savings Account by Kiplinger's Personal Finance, December 2009. Ally Bank is a FDIC-insured institution, and part of the GMAC family of companies (NYSE:GM). Open a High Yield Savings Account at Ally Bank. (Last updated 02/04/2010). Bank APY Min to Open Min Balance Mo. Fees FDIC Ally Bank 1.49% No Minimum No Minimum No Fees Y

Bank of America Start your savings plan with a Bank of America Regular Savings Account. You can start your savings plan with a low opening balance plus Free Online Banking service. Plus you can use your savings account to provide overdraft protection for your checking account. Bank of America (NYSE: BAC) is FDIC insured (FDIC Certificate Number: 3510). NOTE: The rates and information presented are for the California offices and may not be the same for your location. Interest rates are different for each state. Bank APY Min to Open Min Balance Mo. Fees FDIC Bank of America .10% $25 $300 or Fees Apply $5 if less than $300 Min Daily Balance Y

EverBank EverBank is offering a 2.25% Intro APY* on the Yield Pledge Money Market Account for the first three months after account opening. EverBank’s Yield PledgeSM is that the yield on your Money Market Account will remain in the top 5% of competitive accounts in the nation. Funds are FDIC insured, and you can make up to six withdrawals or transfers per month, three of which can be check-writing transactions. EverBank also offers a FREE Online interest-bearing checking account, known as the EverBank FreeNet Checking Account. Receive high yields with No Minimum Balance requirement, No Fees, and unlimited check writing. A Yield Pledge Certificate of Deposit is another great choice for earning a high yield on your money. Choose from a variety of terms from 3 months to 5 years with only a $1500 minimum. Other unique investment products include Foreign Currency CDs and Foreign Currency Index. Need a home loan? Everbank offers Fixed Rate and Adjustable Rate Mortgages. Choose from competitive 15 or 30 year Fixed Rate Mortgages or an Adjustable Rate Mortgage to fit your current financial needs. EverBank is FDIC insured (FDIC Certificate Number: 34775) Bank APY Min to Open Min Balance Mo. Fees FDIC EverBank 2.25*% $1,500 No Minimum $8.95 if less than $5,000 Ave. Monthly Balance Y

ING Direct Earn a high yield with the ING Orange Savings Account. Enjoy 24 hour service with No minimum deposit and No hidden fees or service charges. There is no need to change banks since your Orange Savings Account is automatically linked to your current checking account. You can also make money while you pay your bills with the ING Electric Orange Account. Electric Orange is a great checking account that pays a high interest on all balances, plus free bill pay, free ATM access, and a free MasterCard® Debit Card for all purchases. Guarantee yourself a high yield with the Orange CD. Certificate of Deposit terms range between 6 and 60 months. Get a great interest rate for all types of businesses with an ING DIRECT Business Savings Account. You will have easy access to your cash and account access for up to 3 authorized individuals. ING DIRECT is a member of ING (NYSE:ING), and is FDIC insured (FDIC Certificate Number: 35489). Bank APY Min to Open Min Balance Mo. Fees FDIC ING Direct 1.20% No Minimum No Minimum No Fees Y

U.S. Bank U.S. Bank® offers their U.S. Bank® Money Market Account designed to help you reach your short-term financial goals. They offer tailored options to suit your individual needs and can help you manage your cash conveniently, efficiently and effectively. U.S. Bank is FDIC Insured (FDIC Certificate Number: 6548). NOTE: The rates presented may not be the same for your location. Interest rates and service charge are different for each state. Bank APY Min to Open Min Balance Mo. Fees FDIC U.S. Bank .05% $100 $1000 or Fees Apply $10 if Balance Less Than $1000 Y

Wells Fargo The Wells Fargo® Goal Savings Account is a basic savings account that is ideal for those starting a savings program or building funds for a major purchase or other investment. Competitive interest rates are earned on the entire daily collected balance. Interest is compounded daily and paid monthly. Wells Fargo & Company (NYSE: WFC) is a diversified financial services company that is FDIC Insured (FDIC Certificate Number: 5146). NOTE: The rates presented on this page are for the California offices of Wells Fargo Bank, N.A. Interest rates are different for each state. Bank APY Min to Open Min Balance Mo. Fees FDIC Wells Fargo .05% $100 $300 or Fees Apply $3 if Balance Less than $300 Y

WTDirect The WTDirect High Yield Savings Account offers a high yield APY that is consistently among the top 5% of U.S. banks. Balances of $10,000 or more earn their highest rate, unlike some banks that lower their rates when your balance gets too high. And they don't require a large immediate deposit. Wilmington Trust FSB, the company behind the WTDirect® account, is a member of the Wilmington Trust (NYSE: WL) family of companies and one of the oldest and largest wealth management companies in the United States. According to The Street.com in their September 2008 bank ratings: “This institution offers good financial security and has the resources to deal with a variety of adverse economic conditions”. In fact, Wilmington Trust has maintained stability and independence across 105 years of economic cycles and does not engage in subprime residential mortgage lending. WTDirect - Save with confidence Wilmington Trust FSB is FDIC Insured (FDIC Certificate Number: 33911). Bank APY Min to Open Min Balance Mo. Fees FDIC WTDirect 1.41% $1 No Minimum No Fees Y

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Note: APY and Account Information for Savings and Money Market Accounts may not reflect the current APY and Account Details at a particular Bank. Be sure to check all details when visiting the specific institution. The "Favorite" designation is based on a number of factors, including experience with an institution and stated asset levels available from public sources. Nesco Products, Inc., owner of ManagingMoney.com, may be an Authorized Affiliate of the above products and may be compensated. ManagingMoney.com and Nesco Products, Inc. are not Investment Advisors and do not purport to give investment advice. Check with your financial advisor before implementing any investment plan.

Bank Savings & Money Market Account Offerings: HSBC Direct | DollarSavingsDirect | Bank of America | Ally Bank | Capital One Direct Bank | WTDirect | Imperial Capital | ING Direct | EverBank | U.S. Bank | Wells Fargo

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