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The arrival of the brand-new year means that Americans are eager to set cost savings objectives that they wish to accomplish in the next 12 months. According to a survey by Fidelity Investments, 54 percent of respondents stated that “conserve more cash” was their leading monetary resolution for 2014.

We emphasize 4 goal-oriented savings accounts that stand out because they carry features that foster good savings habits – increasing the opportunity that you’ll meet your goals effectively.

1. Ally Bank: Online Savings

Ally Bank is known for its competitive interest rates and reduced charges. It’s not a surprise that Ally’s Online Savings account carries those traits. The account has no monthly charge without any monthly minimum balance requirements. As of Jan. 9, 2014, the cost savings rate is 0.85 % APY.

Ally Bank consumers can open numerous, linked cost savings accounts, each with their own labels. By identifying each one of these cost savings accounts for a particular purpose, you can designate funds toward certain goals.

2. Capital One 360: 360 Savings

Capital One 360 (previously known as ING Direct) is the largest UNITED STATE online bank and still manages to offer an attractive cost savings account that’s no monthly charges. As of Jan. 9, 2014, the rate on the online bank’s 360 Cost savings account is 0.75 % APY.

Customers with 360 Savings accounts are enabled to produce sub-accounts that can be designated for goals. Like Ally Bank, Capital One 360 lets customers name their accounts.

3. Barclays: Dream Account

The Barclays Dream Account is recently brand-new special cost savings account that differs from the typical cost savings product. The account has no regular monthly charges and an enticing savings rate of 0.95 % APY, as of Jan. 9, 2014.

The Dream Account allows for an optimum deposit of $1,000 per month, with an opening deposit limitation of as much as $1,000.

For every six-month duration that a consumer makes successive month-to-month deposits, the customers receives a 2.5 percent bonus offer on the interest made throughout that six-month period. An extra 2.5 percent incentive on interest can be made when there is not really a withdrawal during a six-month period.

The incentives can encourage clients to stay vigilant in moneying the account and to avoid taking cash out.

4. SmartyPig

SmartyPig provides cost savings accounts (funds are transferred with BBVA Compass Bank) that can only be made use of for particular objectives. The accounts have no regular monthly fees and deposits make 1.00 % APY, as of Jan. 10, 2014.

Customers get an individual savings account per cost savings objective and they set the amount of each goal. When the goal quantity is reached, the account is closed and funds can be redeemed through a gift card, packed onto a linked SmartyPig prepaid card or transferred to a checking account.

Money management devices help too

Prospective savers who don’t want to open an additional account to track their 2014 monetary goals can count on personal financial management (PFM) tools.

Mint is a popular (and free) PFM device that enables users to assign goals to monetary accounts that are tracked by the service. Banks might likewise provide features and tools that permit consumers to develop goals for their accounts.