Americans saved 5% of their disposable income in January... a 14-year high. To put it in perspective, the savings rate between 2005 and 2008 only once topped 1% and was even negative for a while.

Now, banks are clamoring to attract all of this new money. There are several opportunities to get free cash... You can find certain programs that offer 6% checking accounts and sizable cash bonuses for opening accounts and referring friends.

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