Savings.com is a comparison and marketing site, not a bank or government agency
Savings.com is a private website that shows you savings accounts, rates, and financial products from different banks. It does not hold your money, process refunds, or connect directly to government systems. The site makes money when you click through to open an account with one of the banks it lists.
If you are looking for information about tax refunds, stimulus payments, or other government money coming to you, Savings.com can show you where to deposit that money once it arrives — but it cannot track your refund status, tell you when it will land, or speed up the process. For refund tracking, you need to go directly to the IRS, your state tax agency, or the government program sending the payment.
The site itself is legitimate and has been operating since the 1990s. It is owned by Bankrate, a larger financial information company. That does not mean every product listed on it is right for you, or that the rates shown are current by the time you read them.
Key Takeaways
- Savings.com is a comparison website run by a private company, not a government agency or bank.
- It cannot track refund status, check payment dates, or access your personal tax or payment information.
- Interest rates and account features shown on the site may have changed since they were posted.
- To track a refund, go directly to IRS.gov, your state tax website, or the agency sending the payment.
- Opening an account through Savings.com works the same way as opening one directly with the bank, but the site earns a referral fee.
How Savings.com makes money and what that means for you
Savings.com earns a commission when you click a link to a bank's website and open an account. This is called a referral fee. The bank pays Savings.com; you do not pay anything extra. Your account terms, interest rate, and fees are the same whether you open it through Savings.com or go to the bank's website directly.
Because Savings.com makes money from referrals, it has a reason to show you accounts and push you toward opening one. This does not make the site fraudulent, but it does mean the site is not neutral. Read the fine print on any account before you open it, and compare rates across multiple sources — including the bank's own website — to make sure you are getting what you expect.
What Savings.com actually does and does not do
Savings.com lists savings accounts, money market accounts, CDs, and checking accounts from banks across the country. It shows you the interest rate, minimum deposit, and whether the account has monthly fees. You can filter by rate, by bank size, or by features you want.
Savings.com does not track refunds, check payment status, access your tax information, or connect to government systems. If you are waiting for a tax refund, stimulus payment, or insurance refund, you cannot use Savings.com to find out when it will arrive. The site cannot see your personal financial data, your refund status, or anything about your specific situation.
If you open a savings account through Savings.com and then receive a refund, you can deposit that refund into the account. But the site has no role in the refund process itself.
Where to actually track your refund
For a federal tax refund, go to IRS.gov and use the "Where's My Refund?" tool. You will need your Social Security number, filing status, and the exact refund amount from your tax return. The tool updates once per day, usually overnight.
For a state tax refund, visit your state's tax agency website directly. Each state runs its own system and has its own tracking tool. Search "[your state] tax refund status" to find the right page.
For a stimulus payment, insurance refund, or other government payment, go to the website of the agency that sent it. The Social Security Administration, Veterans Affairs, the Department of Labor, and other agencies all have their own tracking systems. Savings.com cannot access any of these.
Red flags that a site claiming to track refunds is not legitimate
Be cautious of any website that asks you to pay a fee to track your refund, promises to speed up the process, or claims it can get you money faster than the government can. Real refund tracking is free and comes directly from the agency sending the money.
Scam sites sometimes copy the look of government websites or use names that sound official. They may ask for your Social Security number, tax return information, or bank details. The real IRS website is IRS.gov, not anything with extra words or a different domain. State tax sites end in .gov and are run by your state's revenue or tax department.
Savings.com is not a scam, but it is also not a refund tracker. Do not use it to look up refund status. Use it only to compare savings accounts if you want to open one.
How interest rates on Savings.com compare to rates you will actually get
Savings.com shows you the interest rate each bank is currently offering. These rates change frequently — sometimes weekly. By the time you click through and open an account, the rate shown on Savings.com may be out of date.
Before you open an account, visit the bank's website directly and confirm the current rate. Read the account agreement to see when the rate can change and whether there are any conditions attached to it. Some banks offer a promotional rate for a limited time, then drop it after a few months.
The interest rate is not the only thing that matters. Check the minimum deposit required, any monthly maintenance fees, and whether you can withdraw money without a penalty. A high rate on an account with a $25,000 minimum deposit may not help you if you have $5,000 to save.
What happens after you open an account through Savings.com
Once you click through to a bank's website from Savings.com, you are no longer on Savings.com. You are on the bank's website, and you follow the bank's process to open an account. Savings.com has no further role.
The bank will ask for your name, address, Social Security number, and initial deposit information. You will set up login credentials and choose your account settings. Everything from that point forward is between you and the bank, not Savings.com.
If you have a problem with your account, contact the bank directly. Savings.com cannot help you access your account, change your settings, or resolve disputes. The bank is responsible for your account security, your deposits, and your interest payments.
Frequently Asked Questions
Can Savings.com help me find out when my tax refund will arrive?
No. Savings.com is a comparison website for savings accounts, not a refund tracker. To check your federal tax refund status, use the IRS's "Where's My Refund?" tool at IRS.gov. For state refunds, go to your state tax agency's website.
Is it safe to give Savings.com my personal information?
You do not need to give Savings.com your personal information to browse accounts. If you click through to open an account, you leave Savings.com and enter the bank's website. Give your information to the bank, not to Savings.com. The bank is responsible for protecting your data.
Will I get a better interest rate if I open an account through Savings.com instead of going to the bank directly?
No. The rate is the same either way. Savings.com earns a referral fee from the bank, but that does not change what you pay or what you earn. Compare rates across multiple sources, including the bank's own website, before you decide.
What if the interest rate on Savings.com is different from the rate the bank shows when I click through?
Rates change frequently. The rate shown on Savings.com may be outdated by the time you visit the bank's website. Always confirm the current rate on the bank's site before you open an account, and read the fine print to see if the rate is promotional or permanent.
Can Savings.com access my bank account or refund information?
No. Savings.com is a public comparison website. It cannot access your personal financial data, your tax returns, your refund status, or anything about your specific situation. It only shows general information about accounts and rates.