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Opening an online savings account is a great way to earn some extra money on your cash balances. Most of these accounts are designed to "piggy-back" onto your existing checking accounts. If you don't need the money immediately, you can transfer the money into the savings account, and when you do need it, you can transfer it right back. Sometimes you can even pay bills directly from the account. In today's economy a penny save is a penny earn for tomorrow.

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