Reward accounts allow you to receive a very high interest rate in return for fulfilling a couple of moderately easy requirements. They usually have a fairly low maximum balance, and very low interest rates if you don't meet the requirements, so please be careful if you decide to go this route. If you don't want to go high risk, high reward, you can always go safe with regular "High Yield Banks." You should always make sure to check the site first before applying, just in case they've changed rates on me. If they have, please let me know.