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Money market accounts are like savings accounts, but they typically pay more interest and may offer a limited number of checks and debit-card transactions per month. Online banks typically offer higher interest rates than brick-and-mortar banks because without branch buildings to maintain, they have less overhead. There are usually minimum deposit requirements for opening a money market account or for getting the best annual percentage yield APY. If you want a safe place to park extra cash that offers a higher yield than a traditional checking or savings account, consider a money market account. A high-yield savings account might pay more interest than a checking account, making it another attractive option. Make sure the institution you choose is FDIC-insured. T-bills are sold on the secondary market, such as through a broker or investment bank, or at auction on the TreasuryDirect site.

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