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How to open a savings account: 5 steps to take Savings. In this episode, our guest Alex Cyriac , Founder and CEO of Lively, shares how their modern health savings accounts help families prepare financially today for tomorrow's healthcare needs. Open Enrollment Survival Guide. Savers earn interest at tiered rates, with the highest rate, 0. Depending on how you plan to use the HSA, certain account features will matter more to you than others.