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.
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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
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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.
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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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Latest articles
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Despite strong economic indicators, many Americans are experiencing a “vibecession.”
![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.
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Get the latest rates on top-yielding money market accounts.
![A man does research on his laptop.](https://www.bankrate.com/2021/03/02173123/what-is-an-add-on-cd.jpeg?auto=webp&optimize=high&crop=1:1&width=356)
Add-on CDs can offer more flexibility than a traditional CD.
![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 managing personal banking and finance at home](https://www.bankrate.com/brp/2024/08/29165101/How-to-change-up-your-savings-strategy-as-a-freelancer.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Working as a freelancer requires a new approach to saving money. Here’s how.
![Couple looking at computer with their financial advisor](https://www.bankrate.com/brp/2024/08/29125622/Why-having-a-bank-branch-nearby-is-important.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Local banks provide valuable in-person services that online-only banks can’t offer.
![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.
![woman managing personal banking and finance at home](https://www.bankrate.com/brp/2024/08/29165101/How-to-change-up-your-savings-strategy-as-a-freelancer.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Working as a freelancer requires a new approach to saving money. Here’s how.
![man working on his laptop outdoors](https://www.bankrate.com/2022/05/04174008/10-saving-and-investing-tips-for-all-ages.jpg?auto=webp&optimize=high&crop=1:1&width=356)
No matter your age, these tips can help you improve your financial situation.
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Whether you hope to buy a home or just rent for a while, a solid savings plan is the key to finally moving out of your parents’ house.
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Here’s how much $100,000 in a high-yield savings account can earn you.
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Here are some of the best savings accounts you can sign up for as a business owner.
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Impulse buying can drain your savings. Here are five tips for avoiding it to protect your money.
![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.
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Find out what happens to CDs that are set to mature.
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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 [...]
![Chase logo](https://www.bankrate.com/2022/05/25155356/Chase-CD-rates-1.jpg?auto=webp&optimize=high&crop=1:1&width=356)
The big bank offers a range of CD terms, but you can find much higher APYs elsewhere.
![PNC Bank logo illustration](https://www.bankrate.com/2022/12/21170447/PNC-Bank-cd-rates.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Everything you need to know about the bank’s yields on CDs.
![TD bank logo](https://www.bankrate.com/2022/05/26114045/td-cd-rates.jpg?auto=webp&optimize=high&crop=1:1&width=356)
Here’s everything you need to know about TD Bank’s CD rates.
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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.
![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
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Many of these banks offer low-fee accounts and higher yields than some of the biggest banks.
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How Reg. D impacts your savings account and why it pays to check with your bank.
![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.
![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.
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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.