I’ve researched savings accounts for more than a decade. I know that choosing the right account can mean the difference between earning an extra $1,000 or more at the end of the year, and earning next to nothing. (Been there, done that.)

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But when it comes to my personal savings, I also don’t chase every new account that has a flashy 5% intro rate or that offers a $300 bank bonus. I do pay attention, though. And if there’s a better option, I’ll consider making a switch.

I have my own set of rules that I follow before fully committing. If you’re eyeing a better deal for your savings, consider them for yourself.

Since I research savings accounts every day, I’m generally aware of the best offers available. And I’m okay if my account doesn’t have the highest annual percenta

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