I opened my first dedicated savings account on a whim, mainly to keep money on the side for emergencies, separate from everything else. What surprised me wasn't just how much easier budgeting became, ...

With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, ...

Kevin has been writing and creating personal finance and travel content for over six years. He is the founder of the award-winning blog, Family Money Adventure, and host of the Family Money Adventure ...

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Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Joint savings accounts can be a useful way for two people to share responsibility for a pot of money or reach shared savings goals. Both account holders will have access to the cash though, so you ...