顾名思义， 高收益储蓄账户 支付比传统银行高得多的利率. 通常在网上提供，无论是由 并且只在银行 或者一个 实体 机构, they're based on the idea that it's smart to hold your savings wherever it can earn a competitively high yield, even if that's a different bank than where you hold your checking account. 两国利率的差异可能是巨大的, 全国最高的储蓄账户通常支付的利率是全国平均利率的15到20倍. You can still keep your checking account where it is because it's simple to link a high-yield 储蓄账户 to your primary account for easy transfers.