Even though returns exceeded thirty percent in 2013, a Bankrate study found seventy three percent of Americans are not more inclined to invest in equities. With interest rates on savings accounts and even one-year CDs remaining flat at less than 1 percent at traditional banks, consumers are looking to park their money online where direct banks like Ally, Barclays and Capital One 360 offer more bang for the buck. Online savings banks are able to pay more interest and avoid fees.

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