When we were saving up for our new house, I spoke to our bank teller about account options. A term deposit didn't really suit our needs as we were adding very small amounts to the total all the time.
They came up with an at-call account which offered more than 4 times the interest our current "savings" account was offering us.
By the time our house was built and needed to be paid for, the extra interest we earnt was enough to purchase a brand new dishwasher.
That's really what I call "money for nothing".
It Pays to Ask The Bank
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