An online savings account offers lower interest rates because it costs more money to maintain the online site offers higher interest rates because they don't have the overhead that standard banks have works nothing like a basic bank savings account has more restrictions on how often withdrawals can be made and typically require a minimum balance

An online savings account "offers higher interest rates because they don't have the overhead that standard banks have".

Online savings accounts give adaptability and security, with extra advantages over conventional brick-and-mortar banks and credit associations. First of all, clients can oversee cash by means of cell phone or PC without relying upon nearby office hours and tellers. Yet, most remarkably, they likewise offer higher rates and lower charges.  

Banks raise rates when they need to assemble cash. In the event that they have to get stores in the entryway, a high rate on bank accounts will draw in cash. On the off chance that, then again, they needn't bother with money, they can keep rates lower.

i would say iii (3) because in order to compare a price you have to use as a reference other near stores because it's its

hope i explained myself