One of the most painful reminders of the financial crisis are the interest rates that banks pay on deposits. Bank of America (BAC 1.40%), which serves as a typical example, pays less than two-tenths of a percent on most of its customers' accounts. With inflation at around 2%, that means investors are actually losing money in real terms by socking it away at the bank. In the video below, Motley Fool contributor John Maxfield discusses one way to reduce the pain from this trend.