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.
Piggy bank with doctors equipment. Cute and comical
A mid-year checkup is the most effective way to ensure my finances are on track.
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

Piggy bank with cash overflowing
Walk away with stacks of cash just for opening a checking or savings account.
A female bank teller helps a male customer at the bank counter.
Breaking up with your old bank need not be a heartbreaking process. Here’s how.
Fresh produce
With a bit of planning, you can reduce your grocery bill. Here’s how.
young man falling out of the sky along with various household items and cash
Businesses may now be starting to pass along higher costs from tariffs to consumers.
Person paying bills on laptop
Learn how to earn the highest interest rates on a savings account.
Woman reaching in to the air for cash
Prices rise and fall all the time in the U.S. economy. It’s not always inflation.
FDIC
Bankrate’s list of all the failed banks in every U.S. state from 2009 to 2025.
A graph showing an upward trend from 2025 to 2026. The trendline is made of cash
If you have $10,000 to invest in a CD right now, here’s how much you could earn.
Fresh produce
With a bit of planning, you can reduce your grocery bill. Here’s how.
Person paying bills on laptop
Learn how to earn the highest interest rates on a savings account.
Younger man in his 30s paying bills on his computer, with calculator, papers, bills, coffee and a pair of glasses on the table by his side.
Tariff concerns will likely cause the Fed to hold rates steady at its July meeting.
Financial manager meeting with couple in bank branch office
Get the latest rates on top-yielding money market accounts.
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.
Woman studying a document and working on a laptop
Here’s how multiple savings accounts can help you reach your financial goals.
woman looking at her phone while walking outside
Top savings APYs remain above 4%, with plenty of account options to choose from.
Mother and daughter looking at savings account info on a cellphone
The best savings accounts for teenagers offer competitive rates and charge no fees.
A graph showing an upward trend from 2025 to 2026. The trendline is made of cash
If you have $10,000 to invest in a CD right now, here’s how much you could earn.
Woman watering plants.
Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.
A large pile of cash next to a padlock
A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.
A young female researches on her phone.
Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) above 4 percent on many nationally available CDs, while a select few financial institutions offer promotional [...]
woman working on a laptop
CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.
Man working on laptop and cellphone simultaneously
If you’ve been thinking of getting a longer-term CD, you may want to make a move.
Coworkers discussing project and having work meeting
Here are differences between CDs and share certificates, and which one to choose.
A young female researches on her phone.
Here’s the lowdown on no-penalty CDs, and how they differ from regular CDs.
Man working on laptop and drinking coffee
Money market funds are available from several different brokers and fund managers.
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.
Woman smiling at cash on a cloud
Lay away cash for an emergency or short-term goals with a money market mutual fund.
Man in home office online banking
These tips can help you manage your money more wisely and make you a bit richer.
Ally Bank logo
Ally’s money market account offers a high APY, no minimum deposit or monthly fee.
Woman looking at phone
Find the right business savings account to help your company’s money grow.
person using mobile phone leaning on railing
A second-chance checking account is designed for those whose banking history may prevent them from opening a standard account. Those who apply for this account sometimes have past issues such as an unpaid [...]
Male friends walk on a college campus.
Here are top accounts for features like ATM fee waivers, overdraft forgiveness and more.
Capital One Bank signage in New York City
Banks are cutting overdraft fees in response to consumers and regulators’ demands.
Spend money, pay bills, write checks or make fund transfers with a checking account.
close up of hands writing a check
Consumers without a bank account face hurdles when trying to cash a check.
Outside view of a bank with American flag
Learn the key characteristics of certified checks and how they differ from other types of payments.
woman sitting on her couch and looking at her phone and credit card
Knowing your limit before making a purchase can help you make smarter decisions.
Young Woman Checking Her Finances At Home
Finding the account number on a check is easy — if you know where to look.