When money is tight we look towards brighter days.  Having an account where your money is not locked away is critical when the economy is not doing well.  It could happen at any moment that you lose your job.  I have compiled a list of tips on what I look for when I am opening a savings account.   What is the Best Easy Access Savings account you can get? Type of Institution When I am looking for a new account, I tend to look for an online account because many of them pay higher interest rates than the typical brick...