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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Everything you need to know about opening an account.
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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)
Keep fees in check when you shift money from one bank account to another.
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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.
Latest articles
![People walk by a Western Union location in New York.](https://www.bankrate.com/2021/11/01145105/western_union_storefront.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Wire transfer fees can be expensive, but here are ways to send money for less.
![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.
![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.
![Piggy bank with cash overflowing](https://www.bankrate.com/2024/04/15130615/Banking_Best-bank-account-bonuses-for_.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Walk away with stacks of cash just for opening a checking or savings account.
![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 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.
![Banker and client shaking hands](https://www.bankrate.com/brp/2024/08/01143959/Best-banks-for-startups-scaled.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Our list consists of FDIC-insured banks offering product suites ideal for startups.
![woman looking tired at computer](https://www.bankrate.com/2022/09/14153903/ways-to-save-for-job-loss.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s how to financially prepare for the possibility of sudden unemployment.
![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.
![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.
![woman looking tired at computer](https://www.bankrate.com/2022/09/14153903/ways-to-save-for-job-loss.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s how to financially prepare for the possibility of sudden unemployment.
![coins in jar at the beach during sunset](https://www.bankrate.com/brp/2024/07/31200900/Where-to-park-your-downpayment-this-summer-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
We list three accounts to park your savings this summer as you wait to buy a house.
![Man calculating finances](https://www.bankrate.com/2020/09/11111429/How-much-is-too-much-to-put-in-a-savings-account.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s how to determine the amount to put in savings — and what to do with the rest.
![Person on laptop computer](https://www.bankrate.com/2020/11/15155838/Everything-savers-need-to-know-about-APY.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The APY percentage shows how much an account earns per year. Here’s what you need to know.
![woman walking and looking at a phone](https://www.bankrate.com/2022/04/28152813/apps-unused-subscriptions.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Subscriptions are easy to lose track of, but these apps can help restore order.
![measuring the waistline of cash bills, comical](https://www.bankrate.com/brp/2024/07/25123250/Deposits_Why_spending_diets_dont_work_and_what_to_do_instead.jpg?auto=webp&optimize=high&crop=1:1&width=356)
A spending diet can help you pursue your financial goals and save cash. Here’s how.
![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 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.
![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.
![A young woman researches on her laptop.](https://www.bankrate.com/2021/01/14115714/with-rates-so-low-are-cds-worth-it-in-2021.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
With a possible recession looming, here’s what savers should know about CDs.
![](https://www.bankrate.com/brp/2024/07/18121054/Banking-Is-there-still-such-a-thing-as-a-6-percent-CD.jpg?auto=webp&optimize=high&crop=1:1&width=356)
I’ve often referred to 2024 as the year of the certificate of deposit (CD). In tracking CD rates on a daily basis, I’ve seen how yields remain at an overall high, thanks to the Federal Reserve raising [...]
![Happy young person on a laptop](https://www.bankrate.com/brp/2024/06/16173307/Deposits_Best_business_CD_rates_for_August_2024.jpg?auto=webp&optimize=high&crop=1:1&width=356)
These seven banks and credit unions offer competitive rates on CDs for businesses.
![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.
![Young Woman Checking Her Finances At Home](https://www.bankrate.com/2024/03/28200222/Where-is-the-account-number-on-a-check.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Finding the account number on a check is easy — if you know where to look.
![Person using phone to do mobile check deposit](https://www.bankrate.com/2019/10/18160455/How-to-choose-the-right-checking-account.png?auto=webp&optimize=high&crop=1:1&width=356)
Here are some key factors to consider when searching for the best checking account.
![](https://www.bankrate.com/2020/07/26145523/What-is-a-checking-account.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Spend money, pay bills, write checks or make fund transfers with a checking account.
![Writing on check](https://www.bankrate.com/2018/03/12103326/want-save-money-on-paper-checks-skip-bank.jpg?auto=webp&optimize=high&crop=1:1&width=356)
You can spend less on reorders and still have the security features you need.
![A young man uses an ATM.](https://www.bankrate.com/2020/11/09114054/how-much-are-atm-fees.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Over time, ATM fees have climbed. Here’s what you need to know.
![Young smiling woman using mobile phone while working on a laptop at a cafe](https://www.bankrate.com/2023/04/29141354/mobile-banking-alerts-that-help-protect-your-money.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mobile apps make managing your money a snap and mobile alerts can help protect it.
![man sitting at outdoor cafe table and looking at his phone](https://www.bankrate.com/2022/04/01130721/7-key-benefits-of-mobile-banking-in-2022.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Mobile banking apps aren’t just trendy, they can help you better manage your money.
![person signing a check](https://www.bankrate.com/2022/08/25161421/How-to-order-checks-online.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Looking to save money when ordering checks? Consider getting them online instead, here’s how.
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