Need to earn a little extra cash, but frustrated with the dismal return on your traditional savings account? A high yield account can help, but according to a Bankrate survey it’s getting harder to find one.  It pays to find one, though.

“High-yield checking accounts remain the top-yielding place for federally insured, liquid cash,” Bankrate senior financial analyst Greg McBrida, CFA, said.

The yield fell to 2.56% according to Bankrate, but bond and CD rates are down too. The problem is too much cash. They don’t need anymore because nobody is taking out a loan. Then again, it’s a lot harder to get a loan but that’s another problem.

Make sure you read the fine print of the account, because Bankrate points out that frequent debit card purchases are a requirement on most, required services like online bill pay or direct deposit, and a balance cap. Most of the higher yields had the lower caps.

Bankrate surveyed 155 banks, thrifts, and credit unions about their high-yield offers. 57 institutions offer a high-yield account.

Click here to find a high-yield account that fits your needs

Or, just find an online bank that offers higher yields than your traditional bank. This still allows you to have easy access to your money, unlike a CD, but there is still a 2-3 day lag in delivery of your money. Although, this type of banking is not as lucrative as it once was as my online bank is only paying about 1% interest right now. It’s more than my local bank, but it’s still not what I’m used to earning.