I feel secure putting my money in to my Wachovia Premium Savings account, but the interest rate could be higher. I am saving for a home, so I do not intend for the money in my account to be there for more than a year, so I decided to just leave it there for the time being. I do like being able to monitor my saving account when I log into my checking account. I never had any problems with the account and found the customer service representatives very helpful when I needed them for any questions. Also, if you have a checking account, you can sign up for the savings account right on line which is very convenient.