Savings have been an integral part of our approach towards financial freedom since we started working 12 years ago.  There are many competitive savings accounts in the market that are giving out decent interest rates and meeting various needs of the consumers.  When DBS Multiplier Account was first introduced in 2014, I quickly made the switch to park most of my emergency funds and investment warchest into the account.   Back then, my criteria was simple.  I needed a savings account that can reward me with the best return yet was flexible with the criteria such that I could easily meet them.  In 2017, they changed their criterion with regards to the salary credit with no minimum requirement. This means regardless of how much you are earning, you are eligible to satisfy this criteria for as long as you have a salary credited as an employee. I like this...