Alfredo has $100 and wants to be able to withdraw it at any time without paying a penalty fee. What type of account should he get?

Juanita will soon begin attending college. She just received a gift of $5,000 from her aunt and will need it for college expenses beginning in two months. What is the best account for her?

Kari has saved $2,000. She wants to earn the most interest possible before she needs it for college in five years. What is the best account for her?