You reach the ATM, confident your money's right there waiting. You punch in your PIN, select the amount. Declined. You try ...

As useful as savings accounts can be, there is a right time to withdraw the funds. Here's when, and how, you should withdraw savings -- and when you shouldn't.

Banks report cash withdrawals of $10,000 or more to the federal government. Here's why, and how to make sure your next big withdrawal goes smoothly.