Savings account Interest rates can be similar to those of a money market account. In many cases, it makes sense to start with a savings account. Many argue it is better to earn small interest in a bank rather than earn no interest at all, but outpacing inflation in the long term is not really the point of a money market account. One of the biggest surprises for money market account customers is the transaction limit. How to keep your money from losing purchasing power. Northpointe and Synchrony each have one location, but operate entirely online otherwise.