Online

Thanks to online savings accounts, 1.8 percent interest has never been this exciting. With federal interest rates increasing for the first time since 2004, Internet-based banks are poised to steal customers away from the brick-and-mortar scrooges. If you’re thinking about switching banks, here are a few tips for choosing the best savings account. We’ll also talk about what you’ll get (more interest) and what you won’t get (monthly surcharges).