Which of the following accounts will give you the least Access to your money A.

simple savings account B. certificate of deposit C. checking account D. cash

B is the correct answer. Certificate of deposit is the certificate that you get when you deposit money for a specified time. You can't touch the money before the time you specified when you decided to deposit the money. You can withdraw the money, paying a price, a penalty for early withdrawal. That depends on the bank terms. Other options given on the question, are easily accessed by the owner.