I’ve researched savings accounts for more than a decade. I know that choosing the right account can mean the difference between earning an extra $1,000 or more at the end of the year, and earning next to nothing. (Been there, done that.)

But when it comes to my personal savings, I also don’t chase every new account that has a flashy 5% intro rate or that offers a $300 bank bonus. I do pay attention, though. And if there’s a better option, I’ll consider making a switch.

Originally published on nerdwallet.com, part of the BLOX Digital Content Exchange.