The question that stops most people from opening a savings account isn't "Should I open one?"br Rather, it's "Which one should I open?"br According to Business Insider, the right savings account is one that helps your money grow, and has the features you want.br For example, maybe it's the highest interest rate, or a good mobile app.br To pick the best one, first decide what you want to use it for. For example, a down payment, or an emergency fund.