When do I start earning interest on my Savings Account? As soon as you put money in there. The sooner you start, the better! Related articles Where can I find the Annual Percentage Yield (APY) or interest rate for a Savings Account? Can I get cash from my Savings Account at an ATM? How is interest calculated on my Savings Account? When is interest paid on my Savings Account? What if I make too many transfers per statement cycle?