{"id":4954,"date":"2023-11-30T23:43:00","date_gmt":"2023-11-30T23:43:00","guid":{"rendered":"https:\/\/thewealthcircle.com\/?p=4954"},"modified":"2023-12-02T15:55:56","modified_gmt":"2023-12-02T15:55:56","slug":"mysavingsdirect-reviews","status":"publish","type":"post","link":"https:\/\/kiiky.com\/wealth\/mysavingsdirect-reviews\/","title":{"rendered":"MySavingsDirect Reviews: How it Works | Legit or Scam","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<p>You can earn a better rate on your saving with no fee; if that is your desire, then opening <strong><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/high-yield-online-savings-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">high<\/a><\/strong>-yield online savings account like MySaving Direct may be your first choice. Find out more about MySavingsDirect reviews, how it works, and if it&#8217;s legit or a scam.<\/p>\n\n\n\n<p>You might want to find out if the interest and fees of the MySavingsDirect savings account are better than what you can find from other online savings accounts.<\/p>\n\n\n\n<p>They, like most online banks without branches, make it easy to typically manage your savings online or through your mobile device.<\/p>\n\n\n\n<p>So, if you are interested in <strong><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/best-banks-in-michigan\/\" target=\"_blank\" rel=\"noreferrer noopener\">opening a new saving account online<\/a><\/strong>, stick to this writing to find out in the MySavings account Review, if it is a superb choice for growing your money.<\/p>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-mysavingsdirect-reviews\"><span id=\"mysavingsdirect-reviews\"><strong>MySavingsDirect Reviews<\/strong><\/span><\/h2>\n\n\n\n<p><a href=\"http:\/\/mysavingsdirect.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">MySavingsDirect<\/a> is an online banking division of New York City-based Emigrant Bank; a storied bank founded by Irish emigrants in 1850.<\/p>\n\n\n\n<p>MySavingsDirect is an online-only extension of emigrant banking services, offering deposit accounts at a better interest rate than you can find at your local brick and mortar bank. The MySavingsDirect savings account is high-yield savings account that you can link to your checking account at another bank.<\/p>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-who-is-mysavingsdirect-best-for\"><span id=\"who-is-mysavingsdirect-best-for\"><strong>Who is MySavingsDirect best for?<\/strong><\/span><\/h2>\n\n\n\n<p>MySavingsDirect is interesting for customers for a pure online bank that keeps their savings. It&#8217;s perfect for those who:<\/p>\n\n\n\n<ul><li>You already have a checking account with another bank<\/li><li>Are comfortable managing accounts with multiple financial institutions<\/li><li>Looking for a &#8220;bet and forget&#8221; savings account<\/li><li>high interest rates<\/li><\/ul>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-is-mysavingsdirect-a-good-place-for-your-savings\"><span id=\"is-mysavingsdirect-a-good-place-for-your-savings\"><strong>Is MySavingsDirect a good place for your savings?<\/strong><\/span><\/h2>\n\n\n\n<p>The MySavings account&#8217;s best features are the APY savers enjoy and the lack of fees. The main drawbacks may be that the APY is not as high as what some online banks offer, and you cannot get an ATM card for the account.<\/p>\n\n\n\n<p>The MySavings account just makes your money grow, but it is worth checking out what other online banks are bringing to the table.<\/p>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-what-does-mysavingsdirect-offer\"><span id=\"what-does-mysavingsdirect-offer\"><strong>What does MySavingsDirect Offer?<\/strong><\/span><\/h2>\n\n\n\n<p>MySavingsDirect offers the following types of accounts:<\/p>\n\n\n\n<ul><li>Saving account<\/li><li>Certificates of deposit (CDs)<\/li><\/ul>\n\n\n\n<h3 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-saving-account\"><span id=\"saving-account\"><strong>Saving Account<\/strong><\/span><\/h3>\n\n\n\n<p>MySavingsDirect savings account is a high yield saving with a competitive APY account. Apart from the APY, advantages of this account are:<\/p>\n\n\n\n<ul><li>No monthly fees or costs<\/li><li>No minimum balance requirement to earn interest<\/li><\/ul>\n\n\n\n<p>Banking with MySavingsDirect will feel very easy. If you&#8217;re looking for a fully featured modern, technology-driven app experience, you won&#8217;t get that at MySavingsDirect. There&#8217;s no mobile app and the website looks dated too.<\/p>\n\n\n\n<p>This would be an important issue for a checking account that is used regularly, but it can work for a savings account. If a customer just needs a high-yield slot to store their savings and they don&#8217;t want any frills, this account could be a perfect fit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-certificates-of-deposit-cd\"><span id=\"certificates-of-deposit-cd\"><strong>Certificates of Deposit (CD)<\/strong><\/span><\/h3>\n\n\n\n<p>If you have a savings account with MySavingsDirect you also have access to certificates from deposit.2. If you do not already have an account with MySavingsDirect, you will have to open one before purchasing a CD. Features of these CDs are:<\/p>\n\n\n\n<ul><li>APY competition<\/li><li>A minimum deposit of $1,000<\/li><li>Interest connections credited daily and monthly<\/li><\/ul>\n\n\n\n<p>MySavingsDirect does not offer a large number of CD conditions. Instead, customers can choose between six-month CDs and some significantly more options.<\/p>\n\n\n\n<p>MySavingsDirect gives all savers the same variable APY on their deposits. This is good when you have a few hundred dollars to save, or several thousand.<\/p>\n\n\n\n<p>The APY itself is much higher than what you would find on a brick-and-mortar bank. As far as how it compares to other online banks then it is competitive.<\/p>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-what-are-the-benefits-of-a-mysavingsdirect-account\"><span id=\"what-are-the-benefits-of-a-mysavingsdirect-account\"><strong>What Are the Benefits of&nbsp;a&nbsp;MySavingsDirect&nbsp;Account?<\/strong><\/span><\/h2>\n\n\n\n<ul><li>Most notably, they have an above-average APY<\/li><li>Thereafter, no minimum balance and no monthly minimum balance is required<\/li><li>The account has no monthly or annual maintenance fees or hidden penalties<\/li><li>In addition, their accounts can easily be linked to external banks for transfers<\/li><li>Similar to other online banks, you will not be billed for your bank statements.<\/li><li>In addition, there are no fees for monthly over-payments<\/li><\/ul>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-what-are-the-disadvantages-of-a-mysavingsdirect-account\"><span id=\"what-are-the-disadvantages-of-a-mysavingsdirect-account\"><strong>What are the disadvantages of a MySavingsDirect account?<\/strong><\/span><\/h2>\n\n\n\n<ul><li>No Access to Debit Cards\/ATMs &#8211; In other words, money deposited into these accounts is not available for &#8220;instant access&#8221;.<\/li><li>Second, MySavingsDirect does not currently offer the option of opening an associated current account<\/li><li>No mobile app<\/li><li>Funds to your MySavingsDirect account electronically via ACH are not possible for 5 working days. Additionally, check deposits accepted for your initial funding will not be available for 10 business days.<\/li><\/ul>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-how-do-i-open-a-mysavings-account\"><span id=\"how-do-i-open-a-mysavings-account\"><strong>How do I open a MySavings account?<\/strong><\/span><\/h2>\n\n\n\n<ol type=\"1\"><li>Go to the provider&#8217;s website and follow the steps to apply.<\/li><li>From the MySavingsDirect website<\/li><li>Input your full name, home address, email address, date of birth, social security number, and driver&#8217;s license number.<\/li><li>Enter the routing and the account number of the external account with which you would like to fund your account. Enter an initial deposit amount and click Next.<\/li><\/ol>\n\n\n\n<p>Check the MySavingsDirect account details and the information you submitted for your account application. Make the necessary changes and before you click Submit.<\/p>\n\n\n\n<p>You will be directed to your online account to check the status of your application. If additional documentation is required, a MySavingsDirect representative will contact you within three business days.<\/p>\n\n\n\n<p>Once your account is activated, you will be able to make transfers, withdrawals, and deposits between your savings account and your externally linked account.<\/p>\n\n\n\n<p>When you open a MySavings account, MySavingsDirect automatically links the checking account information you provide to your savings.<\/p>\n\n\n\n<p>This makes it easy to make your first deposit into the account and set up additional deposits in the future. Remember, there is no minimum amount required to set up your account.<\/p>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-how-can-i-deposit-or-withdraw-funds-from-a-mysavingsdirect-account\"><span id=\"how-can-i-deposit-or-withdraw-funds-from-a-mysavingsdirect-account\"><strong>How can I deposit or withdraw funds from a MySavingsDirect account?<\/strong><\/span><\/h2>\n\n\n\n<p>Since MySavingsDirect is an online bank, it offers fewer deposit and withdrawal options than traditional providers:<\/p>\n\n\n\n<ul><li>Electronic money transfer. Transfer funds between your savings account and an externally linked account using ACH transfer. Funds transferred this way are typically available within two to four business days.<\/li><li>Mobile deposit<\/li><li>Request that a physical check be sent to you<\/li><\/ul>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-is-there-atm-cards-for-mysavingdirect\"><span id=\"is-there-atm-cards-for-mysavingdirect\"><strong>Is there ATM cards for MySavingDirect<\/strong><\/span><\/h2>\n\n\n\n<p>One question you may have is whether this account comes with an ATM card. The answer is no. That is, if you need to withdraw cash from savings, you need to transfer it to a checking account first. The same applies to depositing cash.<\/p>\n\n\n\n<p>You&#8217;ll need to deposit it into your external checking account first and then move it to your savings using an ACH transfer.<\/p>\n\n\n\n<p>That could be a disadvantage if you are routinely putting cash into savings. Some online banks offer an ATM card and have a broad ATM network.<\/p>\n\n\n\n<p>All bank statements for your MySavings account are electronic. There are no paper statements to keep up with. Your bank statements are kept online for 24 months in case you ever need to view or print them.<\/p>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-is-there-mobile-banking-app-for-mysavingdirect\"><span id=\"is-there-mobile-banking-app-for-mysavingdirect\"><strong>Is there mobile banking app for MySavingDirect<\/strong><\/span><\/h2>\n\n\n\n<p>One of the main limitations of the MySavingsDirect savings account is the lack of mobile banking app. Since many consumers use their smartphones and mobile devices to manage their finances, they can feel uncomfortable not being able to access their accounts through mobile banking.<\/p>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-how-to-compare-and-choose-online-savings-accounts\"><span id=\"how-to-compare-and-choose-online-savings-accounts\"><strong>How to Compare and Choose Online Savings Accounts<\/strong><\/span><\/h2>\n\n\n\n<p>MySavingsDirect is just one option for an online savings account. With so many savings accounts online, deciding which one is right for you can be a little overwhelming.<\/p>\n\n\n\n<p>Knowing what to look for when <strong>you want to compare and choose a <a href=\"https:\/\/worldscholarshipforum.com\/wealth\/high-yield-online-savings-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">savings account<\/a><\/strong>.<\/p>\n\n\n\n<h3 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-start-with-the-rates\"><span id=\"start-with-the-rates\"><strong>Start with the rates<\/strong><\/span><\/h3>\n\n\n\n<p>The first thing you should see with an online savings account is the APY. After all, your goal in saving should be to get a good rate.<\/p>\n\n\n\n<p>Consider whether the bank&#8217;s interest rates are staggered or whether you get the same APY regardless of the balance in your account.<\/p>\n\n\n\n<p>If there is an introductory promotional APY, find out what the regular APY will fall back on. Use the bank&#8217;s APY calculator, if you have one, to see how much interest you can make each year based on what you&#8217;re saving.<\/p>\n\n\n\n<h3 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-review-the-fees\"><span id=\"review-the-fees\"><strong>Review the fees<\/strong><\/span><\/h3>\n\n\n\n<p>After the APY, your focus should be on the fees that the bank charges. With an online bank, these are likely to below, but you should still carefully review the fee structure.<\/p>\n\n\n\n<p>In particular, check to see if there is monthly maintenance or minimum balance fee and an excessive withdrawal fee. Also watch out for smaller fees, such as Fees for paper statements as any nickel and cents can add up.<\/p>\n\n\n\n<h3 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-take-a-look-at-the-convenience-factor\"><span id=\"take-a-look-at-the-convenience-factor\"><strong>Take a look at the convenience factor<\/strong><\/span><\/h3>\n\n\n\n<p>It&#8217;s good to get a cheap rate or not pay fees on your savings, but not when you can&#8217;t get your money when you need it.<\/p>\n\n\n\n<p>Check out your options for making deposits and withdrawals from your account.<\/p>\n\n\n\n<ul><li>Does the account offer an ATM card? How many ATMs does the bank have in its network?<\/li><li>Are ATM surcharges refunded?<\/li><li>Is there a limit to how much you can transfer to or from your account through ACH each day or month?<\/li><li>What does the bank&#8217;s online banking or mobile banking system look like?<\/li><\/ul>\n\n\n\n<p>These questions can help you decide which online bank offers the access you want.<\/p>\n\n\n\n<h2 class=\"has-theme-secondary-color has-text-color wp-block-heading\" id=\"h-conclusion\"><span id=\"conclusion\"><strong>Conclusion<\/strong><\/span><\/h2>\n\n\n\n<p>Banking with MySavingsDirect is a very basic experience. In other words, if you have a larger savings balance, are familiar with online banking, and already have a checking account with another bank, then using MySavingsDirect can be a great option for you to get an above-average return on your investment by opening one of their high yield accounts.<\/p>\n\n\n\n<p>Savings accounts are really meant to keep your money untouched (with the exception of adding money, of course) so having instant access to your money may not be a primary concern when looking for somewhere to keep it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-reference\"><span id=\"reference\"><strong>Reference<\/strong><\/span><\/h3>\n\n\n\n<ul><li><strong><a href=\"https:\/\/www.thebalance.com\/mysavings-direct-review-4584469\">www.thebalance.com&nbsp;\u203a Banking \u203a Bank Reviews<\/a><\/strong><\/li><li><strong><a href=\"http:\/\/%0dwww.depositaccounts.com&nbsp;\u203a%20banks%20\u203a%20mysavingsdirect%0d\">www.depositaccounts.com&nbsp;\u203a banks \u203a mysavingsdirect<\/a><\/strong><\/li><li><strong><a href=\"http:\/\/%0dwww.mybanktracker.com&nbsp;\u203a%20savings%20\u203a%20reviews%20\u203a%20mysavi...%0d\">www.mybanktracker.com&nbsp;\u203a savings \u203a reviews \u203a<\/a><\/strong><\/li><li><strong><a href=\"http:\/\/%0dwww.finder.com&nbsp;\u203a%20my-savings-direct-mysavings-account%0d\">www.finder.com&nbsp;\u203a my-savings-direct-mysavings-account<\/a><\/strong><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-writer-s-recommendations\"><span id=\"writers-recommendations\"><strong>Writer\u2019s Recommendations<\/strong><\/span><\/h3>\n\n\n\n<ul><li><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/is-self-lender-legit\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>CIT Savings Builder review: How it Works | is it Legit or Scam<\/strong><\/a><\/li><li><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/how-much-is-100-savings-bond-worth\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>How Much is a $100 Savings Bond Worth? Best Evaluations<\/strong><\/a><\/li><li><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/best-banks-in-alabama\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Best Banks in Alabama | Rates, Account Types, Min. Deposit<\/strong><\/a><\/li><li><strong><a href=\"https:\/\/worldscholarshipforum.com\/wealth\/best-banks-in-new-york\/\" target=\"_blank\" rel=\"noreferrer noopener\">Best Banks in New York | Rates, Account Types, Min. Deposit<\/a><\/strong><\/li><\/ul>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"You can earn a better rate on your saving with no fee; if that is your desire, then&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":9,"featured_media":4955,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MySavingsDirect Reviews: How it Works | Legit or Scam<\/title>\n<meta name=\"description\" content=\"If you wish own a saving account that can earn you few bucks without fee then explore the MySavingsDirect review; How it Works &amp; if it&#039;s Legit\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kiiky.com\/wealth\/mysavingsdirect-reviews\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MySavingsDirect Reviews: How it Works | Legit or Scam\" \/>\n<meta property=\"og:description\" content=\"If you wish own a saving account that can earn you few bucks without fee then explore the MySavingsDirect review; 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