[hackernewds]

> depositors are a bank's creditors, who are compensated for lending money to the bank;

this is simply not true. if anything the bank charges me money to hold my funds.

[zamnos]

You should currently be getting at least 3.3% APY from your savings account. If you're not, it would be in your financial interest to move it to an account (possibly even at the same bank) where you do.