Skip to Main Content

Banking

From savings account details to bank reviews, economic insights and more — Bankrate offers valuable information and advice for you.

Explore banking basics

Middle aged woman on laptop

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

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

Greg McBride, CFA Arrow Right Icon

Chief Financial Analyst

Sarah Foster

Sarah Foster Arrow Right Icon

Principal U.S. Economy Reporter

Mark Hamrick

Mark Hamrick Arrow Right Icon

Senior Economic Analyst

Banking data studies

Money next to flashing sirens
Nearly 1 in 4 Americans have no emergency savings, according to a new Bankrate survey.
Over 1 in 4 workers are more worried about job security since 2025 began.
And elderly couple discussing HYSA options
Two-thirds of American savers say they’re earning rates below 4% APY. Here’s why.

Featured by names you know and trust

Latest articles

A Capital One bank branch in Manhattan in New York
Looking for a nearby Capital One location or ATM? Here’s how to find the closest ones.
PNC Bank building
PNC Bank is one of the largest banks in the U.S. Here’s how to find one near you.
pile of US savings bonds
Losing a savings bond doesn’t mean it’s money lost. Here’s how to find it.
Unrealistic depiction of cash moving directly from phone to phone
Follow these steps to send or request money easily with Zelle.
United States Treasury savings bonds.
You’ve matured, but those savings bonds from childhood may still need more time.
Family looking at their finances.
Early access to direct deposited funds can make managing your budget a bit easier.
The Consumer Financial Protection Bureau headquarters in Washington, D.C., U.S.
Feel like a victim of bad financial practices? Here’s how to file a CFPB complaint.
married couple looking at computer screen
Experts say you can cut many financial disputes off before they happen by having separate financial accounts.
pile of US savings bonds
Losing a savings bond doesn’t mean it’s money lost. Here’s how to find it.
United States Treasury savings bonds.
You’ve matured, but those savings bonds from childhood may still need more time.
Women using digital tablet to check her finances at home office
For savers, here’s what to consider when the Fed lowers interest rates.
Computer artwork of a businessman looking at giant, white piggy bank.
Get ahead of your savings by raising your rate by an amount you prefer. Here’s how.
Compare the best high-yield savings rates as of September 16, 2025.
Woman working with business document and laptop on the table
It’s a low interest rate environment, but there are ways to earn more on your money.
Senate building in Washington DC
The Consumer Financial Protection Bureau — a main line of defense against unfair banking practices — has been dramatically scaled back under the Trump administration. In May 2025, Congress overturned [...]
College students on graduation day, celebrating
Check out Bankrate’s savings picks to help you start off on a long financial future.
Photo of Fed Chair Jerome Powell at a podium, holding his hands up.
The Federal Reserve lowered the federal funds rate by 25 basis points on Wednesday at the conclusion of its September meeting, marking the central bank’s first rate cut this year. For savers, that’s [...]
Clocks are displayed across an image of a dollar bill.
Take a look at the days when CDs were offering investors double-digit returns.
Couple looking at laptop while sitting on sofa at home
As the Fed is cutting interest rates, consider these certificates of deposit (CDs)
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
A woman does research online.
These CD specials help you earn more money on interest without taking on risk.
A woman ponders
Find out what happens to CDs that are set to mature.
A man does research on his laptop.
Add-on CDs can offer more flexibility than a traditional CD.
Man at laptop, deep in thought
Certificates of deposit offer peace of mind, but they’re not without some drawbacks.
Man working on laptop and drinking coffee
Money market funds are available from several different brokers and fund managers.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
woman at ATM
Our top 5 picks scored highly for access, range of products and digital options.
Ally Bank logo
Ally’s money market account offers a high APY, no minimum deposit or monthly fee.
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
People walking past an HSBC Bank
These four types of bank accounts can help you meet your financial goals.
A young female researches on her phone.
Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
Person looking at smartphone
The best account to save your money will vary by your goal.
Family looking at their finances.
Early access to direct deposited funds can make managing your budget a bit easier.
person standing next to bike and looking at phone
If you overdraw your account frequently, then overdraft protection could be a good way to avoid hefty overdraft fees.
Person using an ATM
Check out the 13 different types of checking accounts.
Man in coffee shop using laptop with a card in his hand.
The rule provides a framework for settling unauthorized debit-card transactions.
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.
woman doing headstand
Your bank accounts have two separate balances: the current balance and the available balance. Here’s the distinction.
Business owner talking on phone.
Here’s what you need to know if you’re considering a switch to business checking.
Woman standing in front of an ATM
Withdrawing cash at an out-of-network ATM? Be prepared to pay more than ever.