If you’ve ever wondered why some bank accounts seem to grow faster than others, it usually comes down to APY — aka how much interest your money earns just for sitting there. Traditional checking accounts often earn close to nothing. Higher-APY accounts pay you more because they pass along more of what banks already earn on deposits. Some online banks (like Chime) also offer welcome incentives when you open an account and meet simple requirements — usually things like setting up direct deposit or