Banking
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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.
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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
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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.
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Two-thirds of American savers say they’re earning rates below 4% APY. Here’s why.
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Here are some places to look for a source of funds.
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Here’s how to boost your savings.
![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 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.
![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.
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Six Bankrate experts share the career moves that let them get ahead financially.
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Not paying fees and an easy way to bank should all be priorities. Here are some of our favorites.
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Here are 11 creative ways to save money, regardless of your financial goals.
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Competitive rates, fewer fees, and convenience are all reasons to consider online banking.
![Young business woman working at the office on a laptop](https://www.bankrate.com/2023/07/31135103/How-to-save-10000-in-a-year.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s a guide to saving $10,000 in one year to make yourself more financially secure.
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Losing your wallet can be reduced to a minor inconvenience if you know what to do.
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Online banks typically offer savings accounts with much higher yields than brick-and-mortar banks.
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You may have to do some research, but it’s not hard to find a decent savings account rate.
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Working with less can keep women from saving, investing and growing wealth.
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The amount of money you should save each month will vary based on your goals. Here’s what to know.
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These options are great places to stash money from a bonus, inheritance and more.
![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.
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Take a look at the days when CDs were offering investors double-digit returns.
![A young female researches on her phone.](https://www.bankrate.com/2021/04/20123722/why-everyone-should-open-a-savings-account.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s everything you need to know about no-penalty CDs.
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Know the two major benefits of opening a CD now, even as interest rates decline.
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How to proceed when your CD matures during falling rates.
![Couple looking at laptop while sitting on sofa at home](https://www.bankrate.com/brp/2024/09/16144258/5-cds-to-consider-before-a-fed-rate-cut.jpg?auto=webp&optimize=high&crop=1:1&width=356)
As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
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These seven banks and credit unions offer competitive rates on CDs for businesses.
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Consider these important factors before investing in bonds and CDs.
![A young female researches on her phone.](https://www.bankrate.com/2021/04/20123722/why-everyone-should-open-a-savings-account.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s everything you need to know about no-penalty CDs.
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How Reg. D impacts your savings account and why it pays to check with your bank.
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Not sure how to get started investing with mutual funds? We’ll help you understand the basics.
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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.
![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.
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Expect savings and money market account yields to slide lower, but they still should outpace inflation
![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.
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Online checking accounts stand out for different features. Here’s our top picks.
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Online bill pay can add convenience and security to managing your routine bills.
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Depositing cash into someone’s account isn’t always possible, but there are options.
![Man in coffee shop using laptop with a card in his hand.](https://www.bankrate.com/2020/09/11171556/Reg.E..jpeg?auto=webp&optimize=high&crop=1:1&width=356)
The rule provides a framework for settling unauthorized debit-card transactions.
![Person reading credit card statement](https://www.bankrate.com/brp/2023/11/29181714/Deposits_What_is_an_overdraft_fee_and_how_can_you_avoid_it.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here are easy actions you can take to avoid the fee of get it waived.
![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.