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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.
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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.
Illustration of two hands holding phones, sending physical gold coins to one another.

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.

Editor's picks

Banking data studies

A majority (81%) of Americans did not increase their emergency savings this year
Over 1 in 4 workers are more worried about job security since 2025 began.
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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

Illustrated by Bankrate
Big banks pay just 0.01% APY while online banks offer 4% or more. Your $10,000 could earn over $800 more over two years.
Woman watering plants.
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
Comparing savings rates can ensure you get the best return on your savings.
Young woman withdrawing money using phone at the ATM machine on the street in Budapest in Hungary.
Here are simple steps to take to avoid paying checking account fees.
Someone cutting a stack of cash with scissors
In this era of no-fee banking, pesky fees still exist. Here’s how to avoid them.
Young woman walking on the street
Here’s what other banks have to offer that you might be missing out on at yours.
close up of hands writing a check
Consumers without a bank account face hurdles when trying to cash a check.
Row of folded dollar bills with red gift bows
Giving money as a gift doesn’t have to be boring. Use this guide to personalize your monetary giving.
The Federal Reserve Building in downtown Washington DC, USA at night.
The Fed continues to signal lowering rates later this month. Here’s how to prepare.
Image of a piggy bank stuffed with dollars and an arrow behind it pointing to the right and going up.
$10,000 high-yield savings vs. $10,000 money market account: Here’s which earns more
A downward facing red arrow "crashing" trough a shattering $100 bill.
Worried that your high-yield savings APY isn’t so high? Here’s how to stay on top.
Artistic sketch of a businessman on a suspended platform looking down as the platform morphs into a downward arrow with a '%' symbol on its side.
As the Fed hints at lowering interest rates, here’s how to prepare when rates fall.
Easy mornings and working from home for this couple
Savings yields topping inflation could let you hold onto your purchasing power.
Close-up photo of the front of the Federal Reserve in Washington, DC, with the name "Federal Reserve" below the bust of the eagle.
The Fed has kept interest rates steady so far in 2025, but that might change soon.
Image & illustration by Bankrate
Competitive rates, fewer fees, and convenience are all reasons to consider online banking.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
stacks of coin with dollar bill
A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
Clocks are displayed across an image of a dollar bill.
Take a look at the days when CDs were offering investors double-digit returns.
Person frowning at a laptop screen with illustration of money in background
Sometimes paying an early withdrawal penalty on a CD isn’t a bad idea.
Photo of Fed Chair Jerome Powell at a podium, holding his hands up.
The Federal Reserve left interest rates unchanged at its first meeting of 2026, keeping borrowing costs in a target range of 3.5-3.75%. This decision (supported by a 10-2 vote) pauses a streak of three [...]
Asian women using laptop computer at home working space.
CD terms can range from three months to five years. Learn which one is right for you.
A woman ponders
Find out what happens to CDs that are set to mature.
Coworkers discussing project and having work meeting
Here are differences between CDs and share certificates, and which one to choose.
Person looking at smartphone
The best account to save your money will vary by your goal.
Bank teller with customer
These credit unions offer great rates and top-notch features — and many make it easy to join.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
Woman online banking with a tablet
How Reg. D impacts your savings account and why it pays to check with your bank.
Asian women using laptop computer at home working space.
CD terms can range from three months to five years. Learn which one is right for you.
Woman using mobile phone at the bar
These accounts sound similar, but there are some key differences to know.
woman at ATM
Our top 5 picks scored highly for access, range of products and digital options.
Young woman withdrawing money using phone at the ATM machine on the street in Budapest in Hungary.
Here are simple steps to take to avoid paying checking account fees.
close up of hands writing a check
Consumers without a bank account face hurdles when trying to cash a check.
This old-school way of paying is still in demand. Here’s everything you need to know.
A young man uses an ATM.
Over time, ATM fees have climbed. Here’s what you need to know.
Young Woman Checking Her Finances At Home
Finding the account number on a check is easy — if you know where to look.
close up of hands signing a check
Checks aren’t as ubiquitous as they once were, but you may still have to write one.
Young woman using the ATM
Knowing your ATM withdrawal limits can make a sudden need for cash easier to handle.
Illustration of an old-fashioned alarm bell ringing , hovering over a cell phone.
Mobile apps make managing your money a snap and mobile alerts can help protect it.