The article recommends inquiring about the following key savings account features:

• ATM transactions and debit card access for convenient cash withdrawals and transactions.
• Minimum balance requirements to avoid low balance charges or to find accounts with low or no minimum balance.
• Competitive interest rates offered on the savings account to maximize earnings over time.
• Additional financial products availability like fixed deposits and recurring deposits.
• Low or no account maintenance fees to avoid unnecessary charges.
• Online and mobile banking facilities for easy account management and transactions.
• Bill payment options directly from the account.
• FDIC or NCUA insurance for deposit protection up to $250,000.

These features help in choosing a savings account that suits convenience, cost-effectiveness, and potential for savings growth.