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Savings Accounts – Facilities and Provisions



In today’s age, an increasing number of customers are looking for lucrative options to save their hard-earned income. Each of these customers aims to look for options wherein they will be able to save their money as well as earn further interest for doing the same.

To cater to such needs, today, the financial institutions offer a vast range of facilities to such customers, which give them handsome returns in turn of depositing their savings with them. Amongst the various sets of facilities offered, it is the savings accounts which still continue to be the most popular and widely used by the customers.

The Concept and Functions

Savings accounts are basically a type of bank account, established to help the customers to keep aside a part of their liquid assets, also earning monetary return simultaneously. The most stringent principle of such savings accounts offered by the series of commercial banks, savings and loan associations, credit unions and mutual savings banks is that the customer cannot use the money deposited directly as cash, further encouraging the build-up up of savings.

Another principle regulated by these savings accounts is that the funds be kept on deposit at least for a minimum length of time, which means that there will be a limit on withdrawals, payments and transfers that might be carried out. While some banks offering such savings accounts will not allow any transfer beyond the stipulated limit altogether, yet others will inform the account owner that a violation has occurred.

At times, withdrawals from these savings accounts are costlier than the same transactions being carried out from a demand account. In addition, most of such savings accounts do not offer cheque-writing services, though there are many institutions that name their higher-interest demand accounts as savings accounts. To fulfill such saving needs of the customers, banks of all types offer good terms for savings accounts of all categories. The interest rate offered by each one of these might differ form each other, but the general trend is usually prevalent across various banks.

Experts suggest that to streamline your savings and ensure that your savings also earn further for you, it is important that you hold at least a single savings account with one of these banks. However, before you actually decide on an appropriate banking institution, you must analyze the terms offered by the bank such as the interest rates, withdrawal limits and other such features, especially in specific context of your own financial status and the results required out of your investments.

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