Discover why bank accounts get frozen due to illegal activity, unpaid debts, or government action, and learn steps to regain ...

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Joint savings accounts can be a useful way for two people to share responsibility for a pot of money or reach shared savings goals. Both account holders will have access to the cash though, so you ...