There is a widespread tendency to use the form savings as a singular, as reflected in compounds such as savings account and savings bond. Compounds like these normally do not have plural nouns as their first component. No one has an investments account, for example. Nonetheless, savings usually takes a plural verb: Your savings are safe in our bank. But sometimes people think of savings as a lump sum and treat it as a singular noun, just as they would a sum of money: Your savings (or Twenty thousand dollars) is enough to cover the down payment. For more on this, see subject and verb agreement under Grammar.    1
  Savings is also used in the phrase a savings, as in a savings of $2,000. While this phrase is increasingly common, it remains unacceptable to 57 percent of the Usage Panel. A saving is the only uncontroversial form.    2

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