We’ve written about the importance of having an emergency fund here on Tip Hero more than a few times, but once you’ve figured out where your funds will come from, where is the best place in which to keep them safe? Moolanomy has come up with a few ideas for safe places to keep your rainy day fund in case of an unexpected financial problem. Take a look:

Online Savings Accounts

Because these accounts exist online, they can offer better interest rates and often boast superior websites. The downside to these accounts is that there isn’t a branch that you can go in to perform transactions, but that is why these accounts seem to be great places to hold emergency funds. On the rare occasions when you need to access funds, you can do it via an ATM. Head here for Dough Roller’s list of the best online savings accounts out there.

Money-Market Account

These high-yielding savings accounts are offered by an FDIC-insured institution.

With an MMA, you have easy access to cash, while receiving a relatively high interest rate. Your debit card connected to your MMA generally allows you to withdraw money at ATMs or charge purchases. An MMA will very likely come with a minimum balance requirement and limitations on the number of checks you can write and withdrawals you can make each month. But since you will be using your MMA as an emergency fund, these conditions shouldn’t be a problem.

Check out other great options for holding your rainy day fund over at Moolanomy’s Where to Keep Your Emergency Fund.