9 Best Online Savings Accounts Of 2020

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center; -ms-flex-align: center; align-items: flex-start; width: 100%;-ms-flex-direction: column;flex-direction: column;} .template-wrapper .article-wrapper .article-section .inarticle-wrapper .inarticle_details>ul>li { text-indent: -15px; padding-bottom: 12px; font-size: 14px; line-height: 1.14; list-style: none; margin-left: 0; word-break: break-word; } .template-wrapper .article-wrapper .article-section .inarticle-wrapper .inarticle_details>ul>li:before { content: "\002022"; color: #8c8c8c; font-size: 15px; font-weight: 900; padding-right: 8px; } .template-wrapper .article-wrapper .article-section .inarticle-wrapper .inarticle-category_label {font-weight: 500;} .inarticle-wrapper .wrapper-end-separator { border-bottom: 2px solid #dbdbdb !important;} /*.template-wrapper .article-wrapper .article-section .section-card-widget .content { margin: 20px 0;}*/ .template-wrapper .article-wrapper .article-section .card-widget-title { max-width: 900px; width:100%; padding: 0 10px 10px 0; 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font-weight: 600;} .template-wrapper ul, .template-wrapper ol { margin: 10px 0;} .template-wrapper .article-wrapper ol li { margin-bottom: 8px; font-family: 'Work Sans', sans-serif; color: #181715; font-size: 16px; line-height: 1.63;} .template-wrapper .article-wrapper ol li a { color: #003891; text-decoration: underline;} .template-wrapper .article-wrapper ol>li, .template-wrapper .article-wrapper .article-section ol>li, .template-wrapper .article-wrapper .intro-content ul>li { text-indent: -16px; margin-left: 16px;padding-right: 10px;} .template-wrapper .article-wrapper ol>li:last-child, .template-wrapper .article-wrapper .article-section ol>li:last-child, .template-wrapper .article-wrapper .intro-content ul>li:last-child { margin-bottom: 0;} .template-wrapper .article-wrapper ol>li:before, .template-wrapper .article-wrapper .article-section ol>li:before { content: ""; padding-right: 16px; } .template-wrapper .article-wrapper .intro-content ul>li:before { content: "\002022"; color: 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padding-top: 0.5px;} .icon-cs.icon-question:before { content: '?';} .tooltip_templates { display: none;} .tooltipster-sidetip.tooltipster-shadow .tooltipster-content #credit_tooltip_content, .tooltipster-sidetip.tooltipster-shadow .tooltipster-content .wb_tooltip { color: #333; padding: 5px; font-family: 'Work Sans', sans-serif; } .tooltipster-sidetip.tooltipster-shadow .tooltipster-box{ background: #ffffff; -webkit-box-shadow: 0 0 15px 0 rgba(0,0,0,0.2); box-shadow: 0 0 15px 0 rgba(0,0,0,0.2); } .tooltipster-sidetip.tooltipster-shadow .tooltipster-arrow { display: block;} .template-wrapper .content-wrapper { max-width: 1170px;} .flex-wrapper { display: -webkit-box; display: -ms-flexbox; display: flex; margin: 0 auto;} .template-wrapper .article-wrapper .article-section.widget-section { padding: 16px 0;} .template-wrapper .article-wrapper .article-section.widget-section.all-cardboxes>:last-child { margin-bottom: 0; padding-bottom: 0;} .template-wrapper .more-details-cards-wrapper h2 { border-bottom: 1px solid #395BB6; margin: 0; padding: 0 0 12px;} /* .template-wrapper .article-wrapper .article-section :last-child { margin-bottom: 0; padding-bottom: 0;} */ .template-wrapper .article-wrapper .article-section .section-content :last-child { margin-bottom: 0; padding-bottom: 0;} .template-wrapper .article-wrapper .article-section.more-details-cards-wrapper .section-card-widget { padding: 0; padding-bottom: 16px;} .template-wrapper .article-wrapper .article-section .view-details-text__box-widget { margin: 0; padding: 0; font-size: 12px; font-weight: 18px; font-family: 'Work Sans', sans-serif; font-style: normal; font-weight: normal; letter-spacing: -0.5px; color: #333;} .m-0 { margin: 0 !important; } .template-wrapper .article-wrapper .article-section p.summary-block { padding: 0 0 16px;} .template-wrapper .article-wrapper .article-section p.summary-block .back-to-summary { color: #395BB6;} .template-wrapper .advertiser-disclosure-wrapper span { font-size: 12px; line-height: 18px; letter-spacing: -0.5px;} .template-wrapper .article-wrapper .bottom-contrib-block { margin-top: 12px; margin-bottom: 16px;} .template-wrapper .article-wrapper .other-cards-section p { padding-bottom: 8px;} .template-wrapper .article-wrapper .other-cards-section ul { margin-top: 0;} .template-wrapper .article-wrapper .other-cards-section ul>li { font-family: 'Work Sans', sans-serif; font-size: 16px; line-height: 26px; margin-bottom: 0; letter-spacing: -0.5px;} .template-wrapper .article-wrapper .other-cards-section ul>li:before { content: "\002219"; color: #181716; font-size: 20px; font-weight: 900; padding-right: 4px; font-family: Georgia;} .template-wrapper .article-wrapper p:first-child { padding-top: 0;} .template-wrapper .article-wrapper #our-picks-section li { line-height: 26px; margin-bottom: 4px;} .template-wrapper .article-wrapper #our-picks-section li:last-child { margin-bottom: 0;} .template-wrapper .article-wrapper .intro-content { margin-top: 12px; margin-bottom: 16px;} .template-wrapper .article-wrapper .intro-content p { padding: 0; margin: 0; padding-bottom: 16px;} .template-wrapper .article-wrapper .intro-content p:last-child { padding-bottom: 0} .template-wrapper .article-wrapper .intro-content.active { height: auto !important; margin-bottom: 15px; } .template-wrapper .article-wrapper .intro-content .mob-fade { display: none; position: absolute; top: 0; left: 0; width: 100%; justify-content: center; align-items: flex-end; color: #395BB6; font-family: 'Work Sans', sans-serif; font-weight: 500; font-size: 16px; line-height: 24px; letter-spacing: -0.5px; height:130px;background-image: linear-gradient(rgba(252, 252, 252, 0), rgba(252, 252, 252, 0.9), rgba(252, 252, 252, 1)); } .template-wrapper .article-wrapper .intro-content .mob-fade span{text-transform:uppercase;} .template-wrapper .article-wrapper .intro-content .chevron-arrow-wrapper { padding-left: 5px; } .template-wrapper .article-wrapper .intro-content 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t="https://web.archive.org/web/20201018173427/https://www.myfinance.com/";document.attachEvent?document.attachEvent("onreadystatechange",function(){"complete"===document.readyState&&e()}):document.addEventListener("DOMContentLoaded",e,!1)}(); </script> <div class="template-wrapper"> <div class="container-standard"> <div class="row"> <div class="col-md-9 article-wrapper inarticle-link-tracking"> <div class="article-type clearfix"> <style> .breadcrumbs { max-width: 100%; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;} .breadcrumbs, .article-wrapper .breadcrumbs { font-family: 'Work Sans', sans-serif; font-style: normal; font-weight: normal; font-size: 12px; line-height: 18px; letter-spacing: -0.5px; color: #515E5F;} .breadcrumbs>li.breadcrumbs-item, .article-wrapper .breadcrumbs>li.breadcrumbs-item { display: inline; padding-right: 0; margin-left: 0; margin-right: 4px; text-transform: capitalize; font-family: 'Work Sans', sans-serif; font-size: 12px; line-height: 18px;} 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class="breadcrumbs-item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor"> advisor </a> </li> <li class="breadcrumbs-item "> <a class="breadcrumbs-item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking"> banking </a> </li> <li class="breadcrumbs-item disabled"> Best Online Savings Accounts </li> </ul><style> .mobile-ui .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .mobile-ui .author__article-date.mobile { display: block; margin-top: 0; } .mobile-ui .mobile-editorialview .article__page--disclosure { margin-top: 0; } @media all and (min-width:599px) { .author__article-date.mobile { display: none; } .mobile-editorialview { float: right; } } @media all and (max-width: 598px) { .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .author__article-date.mobile { display: block; margin-top: 0; } .mobile-editorialview .article__page--disclosure { margin-top: 0; } } @media all and (max-width: 340px) { .mobile-editorialview{ display:block!important; } } </style> <div class="mobile-editorialview"> <span id="advertiser-disclosure" class="article__page--disclosure">Advertiser Disclosure</span> <span class="author__article-date mobile"> Updated: Sep 15, 2020, 2:00am </span> </div> </div> <h1 class="farticle-title">The Best Online Savings Accounts Of 2020</h1> <div class="author__block author__block-top clearfix"> <span class="author__article-date desktop">Updated: Sep 15, 2020, 2:00am</span> <div class="author-container"> <div class="primary_author single_author clearfix"> <div class="author__block-image-wrap"> <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/author/sebastian-obando/" title="Sebastian Obando" target="_blank"> <img class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" src="https://web.archive.org/web/20201018173427im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2019/02/sebastian-headshot-88x88.jpg" width="64" height="64" alt="Sebastian Obando"> </a> </div> <div class="author__block-content"> <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/author/sebastian-obando/" target="_blank" class="author__block-name">Sebastian Obando</a> <span class="author__block-role mr-3 show_info">contributor</span>  </div> </div>  <div class="other_authors single_author clearfix"> <div class="author__block-image-wrap"> <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/author/dforeman/" title="Daphne Foreman" target="_blank"><img src="https://web.archive.org/web/20201018173427im_/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Daphne-Foreman_Forbes-headshot_120119-88x88.jpg" width="64" height="64" alt="Daphne Foreman" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo"/></a> </div> <div class="author__block-content"> <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/author/dforeman/" target="_blank" class="author__block-name">Daphne Foreman</a> <span class="author__block-role mr-3 show_info">editor</span> </div> </div> </div> </div> </div> <div class="col-md-3"></div> </div> <div class="row"> <div class="col-md-9 article-wrapper article-body inarticle-link-tracking"> <style> .no-editorial-note { margin : 12px 0;} </style> <div class="article__editors-note"> Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner"> <p>Not all banks are created equal. In the world of high-yield savings accounts, online banks outshine traditional brick-and-mortar banks on both rates and fees. It’s not even a close call.</p> <p>The ideal savings account has a higher than average interest rate (the national average is 0.05% as of the week of September 14, 2020, according to the <a href="https://web.archive.org/web/20201018173427/https://www.fdic.gov/regulations/resources/rates/">FDIC</a>), reliable customer service and low or no fees. Some accounts can even let you skip a minimum balance requirement or minimum deposit amount.</p> <p>Our survey of the best online savings accounts found that online banks—that is, banks with no physical branches—offer the best deals. The banks below all have higher interest rates than the national average. Our survey focused on banks available nationally, not local or community banks.</p> <p class="p1"> <div id="myfinance-incontent"></div> </p> <p>More importantly, each bank below is FDIC insured. If your bank fails, the government will typically reimburse you for up to $250,000 per depositor, for each account ownership category.</p> <p>When shopping for the best savings account, make sure you pay close attention to the minimum deposit requirement, monthly maintenance fees, minimum balance requirement and the annual percentage yield, to find the best option for your financial goals.</p> <p>Below are some of the best savings accounts at online and national banks, with a quick review of each bank.</p> </div> <div class="mob-fade"> <span>SHOW MORE</span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow down"></div> </div> </div> </div>  <div class="table-of-contents"> <h3>In This Post <i class="arrow arrow-up arrow-down"></i></h3> <ul class="hide"> <li> <a href="#cit_bank_section">CIT Bank</a> </li> <li> <a href="#sfgi_direct_section">SFGI Direct</a> </li> <li> <a href="#american_express_national_bank_section">American Express National Bank</a> </li> <li> <a href="#marcus_by_goldman_sachs_section">Marcus by Goldman Sachs</a> </li> <li> <a href="#barclays_us_section">Barclays US</a> </li> <li> <a href="#ally_bank_section">Ally Bank</a> </li> <li> <a href="#discover_bank_section">Discover Bank</a> </li> <li> <a href="#synchrony_bank_section">Synchrony Bank</a> </li> <li> <a href="#purepoint_financial_section">PurePoint Financial</a> </li> </ul> </div>  <div id="cit_bank_section" class="article-section"> <h2>CIT Bank</h2> <div class="section-content "> <style> .related-widget { font-family: 'Work Sans', sans-serif; font-style: normal; font-weight: 500; font-size: 18px; line-height: 24px; letter-spacing: -0.5px; position: relative; padding-left: 10px; } .related-widget:before { content: ''; font-size: 0; padding-right: 9px; width: 0; height: 0; border-style: solid; border-width: 5px 0 5px 5px; border-color: transparent transparent transparent #181716; position: absolute; top: 7px; left: 0px;} .title__related-widget { text-transform: uppercase; font-weight: 500;} .link__related-widget { color: #395BB6 !important;} @media (max-width: 599px) { .related-widget { font-size: 14px; line-height: 22px;} .related-widget:before { top: 6px; border-width: 4px 0 4px 4px;} } </style><ul> <li><strong>Minimum deposit requirement:</strong> $100</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $0</li> <li><strong>Annual percentage yield:</strong> 0.30% to 0.55%</li> </ul> <p>The <a href="https://web.archive.org/web/20201018173427/https://oc.brcclx.com/t/?lid=26664616&tid=4063_BR">CIT Savings Builder Account</a> does come with some requirements. You must maintain a $25,000 balance or make minimum deposits of $100 per month. The rewards, however, may just be worth it. The CIT Savings Builder Account pays one of the highest rates available today.</p> </div> </div> <hr/> <div id="sfgi_direct_section" class="article-section"> <h2>SFGI Direct</h2> <div class="section-content "> <ul> <li><strong>Minimum deposit requirement:</strong> $500</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $0</li> <li><strong>Annual percentage yield:</strong> 0.81%</li> </ul> <p><a href="https://web.archive.org/web/20201018173427/http://sfgidirect.com/Default.aspx">SFGI Direct</a> is a division of Summit Community Bank, and it offers one of the highest rates for online savings accounts.</p> </div> </div> <hr/> <div id="american_express_national_bank_section" class="article-section"> <h2>American Express National Bank</h2> <div class="section-content "> <ul> <li><strong>Minimum deposit requirement:</strong> $0</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $0</li> <li><strong>Annual percentage yield:</strong> 0.80%</li> </ul> <p>The <a href="https://web.archive.org/web/20201018173427/https://www.americanexpress.com/personalsavings/home.html">American Express personal savings account</a> offers a competitive interest rate with 24/7 online access, requires no minimum deposit or ongoing balance and charges no monthly maintenance fees.</p> </div> </div> <hr/> <div id="marcus_by_goldman_sachs_section" class="article-section"> <h2>Marcus by Goldman Sachs</h2> <div class="section-content "> <ul> <li><strong>Minimum deposit requirement:</strong> $0</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $1</li> <li><strong>Annual percentage yield:</strong> 0.60%</li> </ul> <p>The <a href="https://web.archive.org/web/20201018173427/https://www.marcus.com/us/en/savings/high-yield-savings">Marcus by Goldman Sachs online savings account</a> has one of the highest savings account APYs, while requiring no minimum deposit to open an account and no transaction fees. On the other hand, Marcus by Goldman Sachs does not offer an ATM network or checking account (although one is planned for 2021). Therefore, you will need an outside bank to transfer money in and out. The Marcus mobile app is currently available only for iOS.</p> </div> </div> <hr/> <div id="barclays_us_section" class="article-section"> <h2>Barclays US</h2> <div class="section-content "> <ul> <li><strong>Minimum deposit requirement:</strong> $0</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $0</li> <li><strong>Annual percentage yield:</strong> 0.60%</li> </ul> <p>The high interest rate of <a href="https://web.archive.org/web/20201018173427/https://www.banking.barclaysus.com/online-savings.html">Barclays Online Savings</a> account is also accompanied with online transfers, direct deposit and 24/7 access to your money. Opening an account requires no minimum deposit and no monthly maintenance fees. Customer service is available by phone and mail.</p> </div> </div> <hr/> <div id="ally_bank_section" class="article-section"> <h2>Ally Bank</h2> <div class="section-content "> <ul> <li><strong>Minimum deposit requirement:</strong> $0</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $0</li> <li><strong>Annual percentage yield:</strong> 0.80%</li> </ul> <p><a href="https://web.archive.org/web/20201018173427/https://www.ally.com/bank/online-savings-account/">Ally Bank’s</a> online savings account offers one of the best savings rates, charges no monthly maintenance fees and requires no minimum balance in the account. The app also offers real-time chat support. For this reason, Ally has long been a favorite among online savings account options.</p> </div> </div> <hr/> <div id="discover_bank_section" class="article-section"> <h2>Discover Bank</h2> <div class="section-content "> <ul> <li><strong>Minimum deposit requirement:</strong> $0</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $0</li> <li><strong>Annual percentage yield:</strong> 0.60%</li> </ul> <p><a href="https://web.archive.org/web/20201018173427/https://oc.brcclx.com/t/?lid=26671192">Discover online savings</a> requires no minimum balance to start earning interest and has no monthly maintenance charges. Plus, customers benefit from Discover’s 100% U.S.-based customer service, which is available 24/7.</p> </div> </div> <hr/> <div id="synchrony_bank_section" class="article-section"> <h2>Synchrony Bank</h2> <div class="section-content "> <ul> <li><strong>Minimum deposit requirement:</strong> $0</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $0</li> <li><strong>Annual percentage yield:</strong> 0.75%</li> </ul> <p><a href="https://web.archive.org/web/20201018173427/https://www.synchronybank.com/banking/high-yield-savings/">Synchrony Bank</a>‘s high-yield savings account offers easy access to your money, easy ways to deposit funds, no minimum balance requirements and no fees. The bank does not have any branches, so customer service is conducted over the phone, email or chat. Still, you can withdraw money online or with an ATM card (although fees may apply).</p> </div> </div> <hr/> <div id="purepoint_financial_section" class="article-section"> <h2>PurePoint Financial</h2> <div class="section-content "> <ul> <li><strong>Minimum deposit requirement:</strong> $10,000</li> <li><strong>Monthly maintenance fee:</strong> $0</li> <li><strong>Minimum balance required to avoid fee:</strong> $0</li> <li><strong>Annual percentage yield:</strong> 0.60%</li> </ul> <p>There is a $10,000 minimum deposit required to open an account. <a href="https://web.archive.org/web/20201018173427/https://www.purepoint.com/">PurePoint Financial</a>, however, offers a competitive APY.</p> <section class="faqs faq-container"> <h2>Frequently Asked Questions</h2> <div class="faq-wrapper"> <div class="faq-question-wrapper"> <div class="chevron-wrapper"> <div class="chevron-arrow"></div> </div> <h3 class="faq-question">Are online savings accounts safe?</h3> </div> <div class="faq-answer"> <p>Online savings accounts with <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/4-key-facts-about-the-fdic/">FDIC-insured</a> financial institutions come with the same protections as savings accounts opened at a bank with branches. Both are insured up to the FDIC maximum amount. Before opening a savings account at any bank, make sure to confirm that the bank is FDIC insured.</p> </div> </div> <div class="faq-wrapper"> <div class="faq-question-wrapper"> <div class="chevron-wrapper"> <div class="chevron-arrow"></div> </div> <h3 class="faq-question">How frequently do interest rates on savings accounts change?</h3> </div> <div class="faq-answer"> <p>Rates on savings accounts can change daily. Typically, rates change when the Federal Reserve changes the rate on what is called the federal funds rate. The <a href="https://web.archive.org/web/20201018173427/https://fred.stlouisfed.org/series/FEDFUNDS" target="_blank" rel="nofollow noopener">federal funds rate</a> is the “interest rate at which depository institutions trade federal funds (balances held at Federal Reserve Banks) with each other overnight.” When the Federal Reserve lowers this rate, banks typically respond by lowering the rates on deposit accounts. When the federal fund rate goes up, banks often follow suit by raising the rates they pay on deposit accounts. On <a href="https://web.archive.org/web/20201018173427/https://www.federalreserve.gov/newsevents/pressreleases/monetary20200315a.htm" target="_blank" rel="nofollow noopener">March 15, 2020</a>, due in part to concerns about the coronavirus (COVID-19) and its effect on the U.S. economy, the Federal Reserve lowered its target range for the federal funds rate to zero to one quarter percent, where it has remained ever since.</p> </div> </div> <div class="faq-wrapper"> <div class="faq-question-wrapper"> <div class="chevron-wrapper"> <div class="chevron-arrow"></div> </div> <h3 class="faq-question">How do I make deposits and withdrawals to an online savings account?</h3> </div> <div class="faq-answer"> <p>With an online savings account, customers can make deposits and withdrawals in several ways. These include online funds transfer with another bank account, wire transfer, phone transfer or by requesting a physical check. Some online accounts also offer ATM debit cards.</p> </div> </div> </section> <script> $(function () { $('.faq-question-wrapper').off('click').on('click', function () { var parent = $(this).parents('.faq-wrapper'); var faqAnswer = parent.find('.faq-answer'); var chevronArrow = parent.find('.chevron-arrow'); if (faqAnswer.is(':hidden')) { parent.removeClass('collapsed'); chevronArrow.addClass('top'); } else { parent.addClass('collapsed'); chevronArrow.removeClass('top'); } faqAnswer.slideToggle(); }); $('.faq-section').prev().addClass('faq-separator'); }) </script> </div> </div> <div class="article__editors-note article__editors-note-bottom"> Forbes adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="contrib bottom-contrib-block"> <style> .article__author-bio-top .author__block{display: flex; align-items: center;} .article__author-bio-top .author__block-content { font-family: 'Work Sans', sans-serif;} .article__author-bio-top .author__block-content .author__block-name{padding-right: 10px; font-weight: 500;} .article__author-bio-top .author__block-content .author__block-role{margin-left: 0;} .article__author-bio-bottom > p > a { color: #003891;} .article__author-bio-bottom > p > a:hover { text-decoration: underline;} .article__author-bio-bottom > p > strong, .article__author-bio-bottom > p > b { font-weight: bold;} .article__author-bio-bottom > p > s, .article__author-bio-bottom > p > strike { text-decoration: strike-through;} </style> <div class="article__author-bio"> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/author/sebastian-obando/" title="Sebastian Obando" target="_blank"> <img class="lozad avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" src="/web/20201018173427im_/https://www.forbes.com/advisor/banking/best-online-savings-accounts/" data-img-src="https://web.archive.org/web/20201018173427/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2019/02/sebastian-headshot-88x88.jpg" width="64" height="64" alt="Sebastian Obando"> </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/author/sebastian-obando/" target="_blank" class="author__block-name">Sebastian Obando</a> </div> <span class="author__block-role">contributor</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> Based in New York City and previously Washington D.C., I cover personal finance related topics. I graduated from the Philip Merrill College of Journalism at the University of Maryland in 2018. </p> </div> </div>  <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/author/dforeman/" title="Daphne Foreman" target="_blank"><img src="https://web.archive.org/web/20201018173427im_/https://www.forbes.com/advisor/wp-content/uploads/2020/03/Daphne-Foreman_Forbes-headshot_120119-88x88.jpg" width="64" height="64" alt="Daphne Foreman" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo"/></a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/author/dforeman/" target="_blank" class="author__block-name">Daphne Foreman</a> </div> <span class="author__block-role">editor</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> I'm the Banking and Personal Finance Analyst for Forbes Advisor, with an overall goal of helping people make better financial choices. Before joining Forbes, I was an editor, writer, and strategist for clients that provide banking, credit card, insurance, legal, and professional services. When I’m not editing (or singing), you’ll find me here. </p> </div> </div> </div> </div> <div class="article_published_date" style="font-family:'Work Sans',Arial,Helvetica,sans-serif;font-size: 12px;line-height: 18px;color: #929A9B;margin: 20px 0;"> First Published: Jan 28, 2019, 12:09pm</div> </div> <div class="col-md-3 right-rail"> <style> .best-of-content .boc__section-heading { display: none;} .best-of-content .boc__sub-section { margin: 16px 0 32px;} .best-of-content .boc__items { margin: 12px 0;} .best-of-content .boc__sub-section-heading { font-family: "Work Sans", sans-serif; font-weight: 500; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #333333; text-transform: uppercase; padding-bottom: 12px; border-bottom: 1px solid #c8cccc;} .best-of-content .boc__item-link { font-family: "Work Sans", sans-serif; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #395BB6; text-decoration: none;} .best-of-content .boc__item-link:hover { text-decoration: underline;} .best-of-content .boc__item-list { margin-bottom: 12px;} .best-of-content hr { height: 1px; border: none; border-top: 1px #C8CCCC solid; margin: 16px 0;} @media (max-width: 767px) { .best-of-content { max-width: 270px;} .best-of-content .boc__sub-section { margin-top: 0;} .best-of-content .boc__sub-section:last-child { margin-bottom: 0;} } @media screen and (max-width: 599px) { .best-of-content hr { margin: 16px 0;} } </style> <div class="best-of-content"> <div class="boc__section"> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Find The Best Banks</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/best-online-banks/" title="Best Online Banks of 2020">Best Online Banks of 2020</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/best-bank-bonuses/" title="Best Bank Bonuses">Best Bank Bonuses</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/best-checking-accounts/" title="Best Checking Accounts">Best Checking Accounts</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/best-student-checking-accounts/" title="Best Student Checking Accounts">Best Student Checking Accounts</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/investing/the-best-money-market-mutual-funds/" title="Best Money Market Mutual Funds">Best Money Market Mutual Funds</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/best-cash-management-accounts/" title="Best Cash Management Accounts">Best Cash Management Accounts</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/best-cd-rates/" title="Best CD Rates">Best CD Rates</a> </li> </ul> </div> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Trending Bank Reviews</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/chime-review/" title="Chime Bank Review">Chime Bank Review</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/banking/ally-bank-review/" title="Ally Bank Review">Ally Bank Review</a> </li> <li class="boc__item-list"> <a 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var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://web.archive.org/web/20201018173427/https://related.forbes.com/trf?o=kvthEn5fH67DbDShdW0Utm0azruIiFEWh2PCIg3ahdQF7Gq3Ik-JRgYyDaXEqEraExM_DA0tDWuCcVfQQGfdTWD-sXrGPbcRrbbSdKoJ4-473COPAkORFxHRUUarZtst0oNgMsNkPTFW01NvOSieOtp_wC2wUVDP&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "google": ["gclid"], "bing": ["msclkid"], "kw": ["fbclid"] }; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = {}; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } return trackingParamsObj; } /** * Returns Hash code from value of predefined parameters * Example : ob_click_id=jfkjkfjskafjkj * Object : { param: ob_click_id , value:jfkjkfjskafjkj } * returns : P6767676 */ function getUserIdHashFromUrl() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (paramsObj.hasOwnProperty('value') && !__util.empty(paramsObj.value) && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); hash = hashInput.hashCode(); } return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: trackingId, override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromUrl(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var noOfDays = 1; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); //If cookie is not present then create one if (__util.empty(userIdFromCookie) && userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, noOfDays); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, noOfDays); //set utm source if exist var utmSource = __util.getQueryParameterValue('utm_source'); if (!__util.empty(utmSource)) { __cookie.set(E2E_COOKIE_ADVISOR_UTM, utmSource, noOfDays); } var ogParamObj = getOgUtmParamValuePair(); //set og param Example: og_click_id if (ogParamObj.hasOwnProperty('param') && !__util.empty(ogParamObj.param)) { __cookie.set(E2E_COOKIE_ORIGINAL_TID_PARAM, ogParamObj.param, noOfDays); } //set og param value if (ogParamObj.hasOwnProperty('value') && !__util.empty(ogParamObj.value)) { __cookie.set(E2E_COOKIE_ORIGINAL_TID_VALUE, ogParamObj.value, noOfDays); } } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount++; //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, noOfDays) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || '.inarticle-link-tracking a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); document.addEventListener('DOMContentLoaded', function () { //set user id __linkTrackingController.setTrackingId(); }); </script><script type="text/javascript"> var e2e = (function($){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Top N Non-CC', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: '', author_name: 'Sebastian Obando', author_role: 'contributor', primary_category: 'Banking', secondary_category: '', published_date: 'January 28, 2019', updated_date: 'Sep 15, 2020', ra_feed_enabled: false }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': 'b0d34bea74', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); var ajaxConfig = { 'method': 'POST', 'url': 'https://web.archive.org/web/20201018173427/https://www.forbes.com/advisor/wp-admin/admin-ajax.php', 'data':data }; if( Object.keys(analyticsData).length !== 0 ){ $.ajax(ajaxConfig); } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ var paramsObj = params || {}; var event = ( paramsObj.hasOwnProperty('event') && !!paramsObj.event ) ? paramsObj.event : analyticsParams.pageview_event; // logPageView({event:event}); gtag('event', event, { 'event_category': analyticsParams.page_template, 'event_label': analyticsParams.tid, 'value': analyticsParams.session_pageview_count, 'dimension3': analyticsParams.original_tracking_param, 'dimension4': analyticsParams.original_tracking_param_value, 'dimension5': analyticsParams.referrer_host, 'dimension6': analyticsParams.referrer_url, 'dimension9': analyticsParams.author_name, 'dimension10': analyticsParams.author_role, 'dimension11': analyticsParams.primary_category, 'dimension12': analyticsParams.secondary_category, 'dimension13': analyticsParams.published_date, 'dimension14': analyticsParams.updated_date, 'dimension17': analyticsParams.ra_feed_enabled }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ gtag('event', analyticsParams.bankrate_event , { 'event_category' : analyticsParams.page_template, 'event_label' : analyticsParams.tracking_id, 'value' : analyticsParams.session_pageview_count, 'dimension1': analyticsParams.cta_placement, 'dimension3': analyticsParams.original_tracking_param, 'dimension4': analyticsParams.original_tracking_param_value, 'dimension5': analyticsParams.referrer_host, 'dimension6': analyticsParams.referrer_url, 'dimension7': analyticsParams.cc_name, 'dimension8': analyticsParams.cta_info, 'dimension9': analyticsParams.author_name, 'dimension10': analyticsParams.author_role, 'dimension11': analyticsParams.primary_category, 'dimension12': analyticsParams.secondary_category, 'dimension13': analyticsParams.published_date, 'dimension14': analyticsParams.updated_date, 'dimension15': analyticsParams.product_type, 'dimension16': analyticsParams.product_id }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? card_placement : ''; analyticsParams.product_type = !!product_type ? product_type : ''; analyticsParams.product_id = !!product_id ? product_id : ''; analyticsParams.tracking_id = tracking_id; logBankrateEvent(); sendBankrateEvent(); analyticsParams.tracking_id = ''; } } } /** * Handler to handle bankrate clicks * @param e */ function handleBankrateCtaClick(e){ var targetEl = e.target; var el; if( targetEl.tagName.toLowerCase() === 'a' ){ el = targetEl; }else{ if( Element.prototype.closest ){ el = targetEl.closest('a'); } } sendBankrateClickEvent(el); } /** * Add listeners */ function addEvents(){ var trackingElement = document.querySelectorAll('.inarticle-link-tracking'); for(var i = 0; i < trackingElement.length ;i++){ trackingElement[i].addEventListener('click',handleBankrateCtaClick); } } function initPolyfilForClosest(){ if (!Element.prototype.matches) { Element.prototype.matches = Element.prototype.msMatchesSelector || Element.prototype.webkitMatchesSelector; } if (!Element.prototype.closest) { Element.prototype.closest = function(s) { var el = this; do { if (el.matches(s)) return el; el = el.parentElement || el.parentNode; } while (el !== null && el.nodeType === 1); return null; }; } } function init(){ initPolyfilForClosest(); addEvents(); setGtagUserId(); e2eSendPageView(); } return { init : init } })(jQuery); e2e.init(); </script>  <noscript><iframe src="https://web.archive.org/web/20201018173427if_/https://www.googletagmanager.com/ns.html?id=GTM-PLP9KFC" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <div style="display: none;"> <script id="mNCC" language="javascript"> medianet_width = "1"; 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