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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.
Woman sitting outside of restaurant looking at cell phone

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

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Early access to direct deposited funds can make managing your budget a bit easier.
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These credit unions offer great rates and top-notch features — and many make it easy to join.
loan manager with paperwork talking with client in bank branch
The most impressive banks make it easy to interact both on old and new channels.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
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Looking to use Zelle for a transfer? Here are the Zelle limits at various banks.
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Planning for retirement? Here’s what you need to know about IRA CDs.
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These are the 10 largest credit unions in the United States based on assets.
close up of hands signing a check
Checks aren’t as ubiquitous as they once were, but you may still have to write one.
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.
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.
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The best account to save your money will vary by your goal.
A woman and daughter work together
A savings account can be a great tool to teach your child about money. Here are a few of our favorites.
Mature woman helps her daughter study for exam
High-yield savings rates fluctuate over time. Let’s explore what causes that.
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The top high-yield savings accounts are currently earning APYs of 5 percent and greater.
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Savers can stash their cash in a brokerage these days to rack up returns.
Man watering plants
Interest is the price you pay to borrow money or the cost you charge to lend money.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
Woman at laptop
Planning for retirement? Here’s what you need to know about IRA 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.
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A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.
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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.
Bank teller with customer
These credit unions offer great rates and top-notch features — and many make it easy to join.
Person looking at smartphone
The best account to save your money will vary by your goal.
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.
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Our top 5 picks scored highly for access, range of products and digital options.
A brick and mortar bank building on a sunny day
There’s more than one way to bank. Here are the reasons to consider banking locally.
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Your bank accounts have two separate balances: the current balance and the available balance. Here’s the distinction.
Woman standing in front of an ATM
Withdrawing cash at an out-of-network ATM? Be prepared to pay more than ever.
Woman paying at the gas pump
Debit cards are inherently less secure than credit cards, especially at these spots.
Credit: Images by GettyImages; Illustration by Bankrate
That string of numbers at the bottom of your check is really important. Find out why.
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There’s a right way to handle old checks. The wrong way can cost you.
Overdraft protection can be a helpful and convenient tool to avoid paying a steeper overdraft fee.
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The person-to-person payment tool can allow for easy transactions to friends, family and more.