Banking
From savings account details to bank reviews, economic insights and more — Bankrate offers valuable information and advice for you.
Explore banking basics
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How to open a certificate of deposit (CD)
Banking
Everything you need to know about opening an account.
![Woman sitting outside of restaurant looking at cell phone](https://www.bankrate.com/2022/02/15095640/How-to-save-money-from-scratch.jpg?auto=webp&optimize=high&crop=16:9&width=320)
How to start saving (even if you’re starting from scratch)
Banking
Getting into the habit of paying yourself first is hard. Here are some ideas to help you start.
![Two millenial friends using mobile phone.](https://www.bankrate.com/brp/2023/11/20014206/How-to-transfer-money-from-one-bank-to-another.jpg?auto=webp&optimize=high&crop=16:9&width=320)
How to transfer money from one bank to another: 4 ways
Banking
Keep fees in check when you shift money from one bank account to another.
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Editor's picks
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Experts in all things banking
Our expert reporters and editors bring the news and analysis you need—backed by data and firsthand experience.
About Bankrate![Greg McBride](https://www.bankrate.com/f/102997/284x296/e82ff353b1/br-expert-greg.png?auto=webp&optimize=high)
Chief Financial Analyst
![Sarah Foster](https://www.bankrate.com/f/102997/284x296/7fb8678166/br-expert-sarah.png?auto=webp&optimize=high)
Principal U.S. Economy Reporter
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Senior Economic Analyst
Banking data studies
![Money next to flashing sirens](https://www.bankrate.com/2023/02/15173759/Banking-Emergency-Savings-Survey.jpg?auto=webp&optimize=high&crop=16:9&width=320)
If you’re struggling to pay off debt and build savings, you’re not alone.
![Piggy bank with doctors equipment. Cute and comical](https://www.bankrate.com/brp/2024/07/12173049/Banking_FHE_Why_Im_scheduling_a_mid_year_financial_checkup_with_myself_and_how_Im_doing_it.jpg?auto=webp&optimize=high&crop=16:9&width=320)
I’m a personal finance reporter — here’s how I did a mid-year financial checkup in under an hour
Banking
A mid-year checkup is the most effective way to ensure my finances are on track.
![And elderly couple discussing HYSA options](https://www.bankrate.com/2024/03/13131722/Deposits_March_FSP_High_yield_Savings.jpg?auto=webp&optimize=high&crop=16:9&width=320)
Two-thirds of American savers say they’re earning rates below 4% APY. Here’s why.
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Latest articles
![Young woman working from her kitchen island and drinking a hot beverage](https://www.bankrate.com/brp/2024/06/18170724/Deposits-Best-business-savings-accounts-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best savings accounts you can sign up for as a business owner.
![man using an atm on the street](https://www.bankrate.com/2022/04/29135130/Can-you-deposit-cash-at-an-ATM.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The short answer is yes, but policies vary from bank to bank.
![Women using tablet](https://www.bankrate.com/2020/05/19152145/online-checking.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Online checking accounts stand out for different features. Here’s our top picks.
![Woman watering plants.](https://www.bankrate.com/2024/03/20194528/Current_CD_rates.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
![Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank](https://www.bankrate.com/2023/08/05141131/What-is-the-average-interest-rate-for-savings-accounts_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Comparing savings rates can ensure you get the best return on your savings.
![Financial manager meeting with couple in bank branch office](https://www.bankrate.com/brp/2024/05/31124754/Deposits-Average-money-market-account-interest-rate.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Get the latest rates on top-yielding money market accounts.
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Impulse buying can drain your savings. Here are five tips for avoiding it to protect your money.
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Here’s how to find the job you want and save money throughout the process.
![Young woman working from her kitchen island and drinking a hot beverage](https://www.bankrate.com/brp/2024/06/18170724/Deposits-Best-business-savings-accounts-for-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are some of the best savings accounts you can sign up for as a business owner.
![Whimsical illustration of a hand putting a quarter into a miniature but realistic high end safe. As if it were a piggy bank](https://www.bankrate.com/2023/08/05141131/What-is-the-average-interest-rate-for-savings-accounts_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Comparing savings rates can ensure you get the best return on your savings.
![Financial manager meeting with couple in bank branch office](https://www.bankrate.com/brp/2024/05/31124754/Deposits-Average-money-market-account-interest-rate.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Get the latest rates on top-yielding money market accounts.
![Pair of friends shoe shopping](https://www.bankrate.com/2023/06/20115129/GettyImages-1486876705.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Impulse buying can drain your savings. Here are five tips for avoiding it to protect your money.
![Man watering plants](https://www.bankrate.com/2022/02/31124942/Deposits_What_is_interest.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Interest is the price you pay to borrow money or the cost you charge to lend money.
![A student withdraws cash at an ATM.](https://www.bankrate.com/2020/07/14131751/can-you-spend-from-a-savings-account.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
There are ways to access your money and ultimately spend it. Here’s how.
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Creating a timeline is a useful way to plan and meet all your financial goals.
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ADHD can affect your ability to manage money — here are tips that work for me.
![Woman watering plants.](https://www.bankrate.com/2024/03/20194528/Current_CD_rates.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
![Elderly woman on laptop](https://www.bankrate.com/2021/08/24093332/How-much-money-should-you-keep-in-a-CD.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Some CDs require a minimum deposit of $100,000, but these accounts are not for everyone.
![cash folded into a piggy bank shape](https://www.bankrate.com/brp/2024/07/20170405/Deposits-Best-business-CD-rates-for-September-2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
These seven banks and credit unions offer competitive rates on CDs for businesses.
![Young couple managing finance and investment online](https://www.bankrate.com/brp/2024/08/09090227/interest-rates-on-top-yielding-cds-are-dropping.jpg?auto=webp&optimize=high&crop=1:1&width=356)
There’s still time to lock in a high-yielding CD as the Fed suggests cutting rates.
![Man at laptop, deep in thought](https://www.bankrate.com/brp/2024/06/01164558/Investing-The-pros-and-cons-of-CD-investing.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
![Woman using laptop](https://www.bankrate.com/brp/2023/11/30130553/Deposits-3-ways-to-take-advantage-of-high-CD-rates.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Locking in a high yield now could be beneficial in the event rates begin to drop.
![Man using laptop in kitchen](https://www.bankrate.com/brp/2023/10/30123251/Deposits-What-is-a-callable-CD.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Callable CDs can offer a higher yield than traditional CDs, but there’s a catch.
![A woman ponders](https://www.bankrate.com/2020/07/08124330/what-to-do-when-cds-mature.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Find out what happens to CDs that are set to mature.
![Man working on laptop and drinking coffee](https://www.bankrate.com/2023/05/01122348/GettyImages-1364881817.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Money market funds are available from several different brokers and fund managers.
![Ally Bank logo](https://www.bankrate.com/2024/04/07120151/Deposits-Ally-money-market-account-rates-3.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Ally’s money market account offers a high APY, no minimum deposit or monthly fee.
![Best compound interest investments](https://www.bankrate.com/2022/04/05140817/GettyImages-665950548.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The name of the game with compound interest is time — the more of it you have, the bigger the payoff.
![Woman smiling at cash on a cloud](https://live-bankrate-press.pantheonsite.io/app/uploads/2024/02/Investments_What_is_a_money_market_fund.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Lay away cash for an emergency or short-term goals with a money market mutual fund.
![woman at ATM](https://www.bankrate.com/2022/01/03120505/Untitled-15.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Our picks provide customers with almost everything they need to bank in the branch, at home or on the road.
![Savings account and money market rate forecast](https://www.bankrate.com/2024/01/01230300/Central-savings-money-market-account-rate-forecast.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Expect savings and money market account yields to slide lower, but they still should outpace inflation
![couple with bank worker](https://www.bankrate.com/2022/01/27102438/Untitled-14.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Many of these banks offer low-fee accounts and higher yields than some of the biggest banks.
![Woman online banking with a tablet](https://www.bankrate.com/2019/06/13123811/Hoe-regulation-D-limits-your-savings-accounts-withdrawls.jpg?auto=webp&optimize=high&crop=1:1&width=356)
How Reg. D impacts your savings account and why it pays to check with your bank.
![Women using tablet](https://www.bankrate.com/2020/05/19152145/online-checking.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Online checking accounts stand out for different features. Here’s our top picks.
![Woman standing in front of an ATM](https://www.bankrate.com/brp/2024/08/21093308/Deposits-Annual-Checking-Account-and-ATM-Fee.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Withdrawing cash at an out-of-network ATM? Be prepared to pay more than ever.
![Hand touching buttons on a ATM keypad](https://www.bankrate.com/2022/08/29134643/Banking-Checking-Account-Survey.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Convenient access to your cash often comes at a price — and sometimes it’s a very high one.
![Woman using an ATM](https://www.bankrate.com/2022/08/08121053/Deposits_10_types_of_checking_accounts_SEO_Article.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Not all checking accounts are created equal.
![An older couple reviews a bill.](https://www.bankrate.com/2020/07/24105821/how-to-avoid-checking-fees.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Tired of paying fees? Here are seven ideas to get around paying them.
![Woman accessing her checking account at home on a laptop](https://www.bankrate.com/2023/12/01174728/Deposits-Best-business-checking-accounts.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Not paying fees and an easy way to bank should all be priorities. Here are some of our favorites.
![woman depositing a check on her phone](https://www.bankrate.com/2022/04/18094902/How-to-deposit-a-check.jpg?auto=webp&optimize=high&crop=1:1&width=356)
There are several ways to deposit a check — some are simpler than others.
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There’s more than one way to bank. Here are the reasons to consider banking locally.