This St. Patrick's Day, a new CouponCabin.com survey reveals how U.S. adults are managing their "pots of gold" – their savings accounts. Overall, nearly seven-in-ten (69 percent) U.S. adults report they have a savings account (i.e., not a retirement account such as 401(k) or IRA). Of those who have an account, nearly two-in-five (38 percent) said they have put more money in their savings accounts in the last year than in previous years, which points to a more stable economy. This survey was conducted online within the United States by Harris Interactive on behalf of CouponCabin from February 28th – March 1st, 2012, among 2,246 U.S. adults ages 18 and older.

Many of those employed with savings accounts take advantage of direct deposit to keep their "pots of gold" full. The majority (87 percent) of employed U.S. adults who have savings accounts said they utilize direct deposit through their employer. Of those who use direct deposit, more than half (51 percent) said they automatically deposit a portion of each paycheck into their savings account.

When it comes to how much "gold" is currently in their savings accounts, U.S. adults reported a wide variety of savings account levels. Thirty-nine percent declined to answer.

• $1 - $1,000 – 22 percent
• $1,001 - $5,000 – 13 percent
• $5,001 - $10,000 – 7 percent
• $10,001 - $30,000 – 8 percent
• $30,001 - $100,000 – 7 percent
• $100,001 or more – 2 percent

"No matter how much money you can save each month, it's important to set aside money for an emergency, the future and other unexpected expenses," said Jackie Warrick, President and Chief Savings Officer at CouponCabin.com. "Many Americans continue to face financial challenges, but the good news is that they are recognizing the importance of setting aside money in a savings account – no matter how big or small."

With the economy slowly stabilizing, some U.S. adults are making a greater effort to save. More than one-in-ten (13 percent) of those with savings accounts said they opened a new account within the past year. When asked why they opened a new account in the last year, U.S. adults said the following:

• Saving for something like a vacation, event, wedding, down payment on a home - 24 percent
• I just thought I should have one – 20 percent
• Been meaning to open one for a long time – 17 percent
• Wanted to have an emergency fund – 17 percent
• After the last recession, I wanted to be better prepared for the future – 9 percent
• Some other reason – 36 percent