Step 1 : Introduction to the question "Which of the following accounts will give you the LEAST access to your money?"
...A.) Simple savings account B.) Certificate of Deposit (CD)* C.) Checking account D.) Cash - A certificate of deposit (CD) is a time deposit, a financial product commonly sold by banks, thrift institutions, and credit unions. CDs are similar to savings accounts in that they are insured "money in the bank" and thus virtually risk free.