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Saving accounts are still considered liquid assets, not just a place to deposit liquid assets.
Like Credit Cards, find the plan that fits you the best, don't just compare interest rates. Some banks charge you for deposits and withdrawals, checks, etc., if you rarely do that, it won't mean too much to you.
If you are a owner of many vending machines and go to the bank daily with lots of change to be counted and deposited, find a bank that offers those services for free. It will be worth a interest rate less than the top tier.
Same as Credit Cards, Mine has a higher interest rate than many, but I ALWAYS pay that bill in full every month and don't incur any interest at all. They do have some very nice benefits that are tossed in for free (if you pay your bill every month.)
Like PT Barnum said, "There is a sucker born every minute" just stay in school and learn how to not be a sucker.
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