This decision should be based on your long-term goals and factor in any immediate needs. You can also have a portfolio of accounts, you don’t have to choose just one. For example, if you have funds spare that you can afford to set aside for a fixed period of time, a fixed rate bond is an excellent way to grow those funds with a higher interest rate. For more flexibility, a notice account, including the tracker account, may be more attractive as it will allow you to withdraw funds provided you give the required notice period. Alternatively, a limited access account may provide the flexibility you need to make withdrawals occasionally, and an easy access account allows you to deposit and withdraw funds at any time.