For an extra layer of frosting on the cake of your cash, we often recommend the (relatively) high-yield savings accounts Avery banks. In fact, we commend allies savings account in December 2009, our list of the best stuff on the grounds that its competitive rate of return, lack of monthly fees or minimum balance requirements. (Elle now touting our advertising and on its Web site, www.ally.com recommended.)

There is only one problem – ally lowered its production. At 1.44%, it is no longer the best you can get. This does not mean you should rush to take your money out. But it pays to pay attention, because the bank to adjust interest rates all the time.

Topping deposit account our latest highest yields of the list is American Express Bank, Colorado Federal Savings Bank and NewDominionDirect.com, all yielding 1.5%. Of the three, American Express Bank is the most common – it has no minimum balance requirement, no charge. To access your money, you need to American Express account to link to an external bank account and transfer your funds. The other two accounts have more rules and hidden costs.

You can turn it into a more through high-yield checking accounts in online banking, credit unions or community banks to improve your cash earnings. (Cheap flights, check www.bankrate.com and www.depositaccounts.com. For checking accounts, but also try www.checkingfinder.com.) These accounts often come with more rules of the. For example, free banking (www.bankliberty.com) recently announced 3.51% of “eSmart Check” speed, but you need to use at least 15 a month to buy a debit card, and register at least one direct deposit or automatic withdrawal.