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Banking Articles

From get out of debt strategies to advice on improving your savings returns, we've got recommendations to help you make smarter banking decisions.

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Recent Articles

Envelope full of hundred dollar bills.
Feb. 17, 2026 | By Ryan Wilcox

Here's What Happens When You Deposit More Than $5,000 in Cash

Planning a big cash deposit? Here's what to know before you go -- and the transaction amount that triggers a government report.
An old-fashioned savings passbook.
Feb. 16, 2026 | By Jake FitzGerald

Set It and Forget It? Here's Why Banks Love Inactive Customers

Think your bank doesn't care if you ignore your account? It might actually prefer it that way.
Sad woman with money flying out of wallet
Feb. 15, 2026 | By Jake FitzGerald

The Little-Known Reason Your 'Free' Savings Account Is Costing You More Than You Think

Your savings account might not charge a fee. But the interest rate could be quietly costing you hundreds every year.
Retirees getting assistance from bank tellers at bank.
Feb. 14, 2026 | By Ryan Wilcox

Here's What Happens When You Withdraw $10,000 From Your Bank Account

Considering taking $10,000 out of your bank account? Here's what happens when you do it -- and why the government will find out.
A person manages their home finances using documents and a laptop at their kitchen table.
Feb. 14, 2026 | By Ryan Wilcox

Forget CDs, Even With Rates at 4%. Here's Where I'd Put My Money Now

CD rates are a decent place to earn interest on savings, but there are a few smarter ways to grow (and protect) your money. Here are three options to consider.
Person writes out a check while lying on the ground.
Feb. 14, 2026 | By Jake FitzGerald

This Might Be Controversial but Checking Accounts Are a Bad Place to Park Cash

Checking accounts feel safe, but leaving too much cash there quietly costs you hundreds every year. Here's why.
Several hundred-dollar bills in an envelope.
Feb. 13, 2026 | By Ryan Wilcox

Don't Keep Cash at Home. Here Are 3 Dead Simple Places to Put It Instead

Looking for a better place to keep your cash than under the mattress? Here are three great ways to save while earning a solid return.
Man reading newspaper and looking at a tablet
Feb. 12, 2026 | By Jake FitzGerald

How Much Income Puts You in the Upper, Middle, or Lower Class?

Curious where your income falls? Here's how upper, middle, and lower class incomes break down using Census data analyzed by Motley Fool Money.
Piggy bank, stacks of coins, and an alarm clock on a table.
Feb. 11, 2026 | By Joel O'Leary

Forget CDs in 2026. Here's Why I'm Keeping My Cash in High-Yield Savings

CDs aren't paying enough of a premium to entice me locking in funds and giving up access to my cash. Here's why I'm sticking with flexibility this year.
Woman looking at laptop with skeptical expression.
Feb. 11, 2026 | By Jake FitzGerald

This Might Be Controversial but Most Savings Accounts Aren't Actually Saving You Money

Most savings accounts feel responsible, but low interest quietly costs people money every year.
Young man with money flying out of his wallet
Feb. 11, 2026 | By Jake FitzGerald

You Won't Believe How Much Money You Lose Using the Wrong Savings Account

Most savings accounts quietly cost you hundreds every year. Here's the simple math behind it.
Young man pausing from using his laptop to look at a calendar.
Feb. 10, 2026 | By Joel O'Leary

Here's Why a 1-Year CD Makes Sense Right Now

A 12-month CD can protect your savings from falling rates, offer guaranteed returns, and keep your money flexible. Here's why it's a smart move in 2026.
A woman using an ATM on a sunny street.
Feb. 10, 2026 | By Ryan Wilcox

Here's What Happens When You Withdraw $5,000 From Your Bank Account

Withdrawing $5,000 might seem simple enough, but there are a few things to keep in mind before (and after) you do it. Here's what to know.
An upset man sitting on a couch with his hand on his head.
Feb. 10, 2026 | By Joel O'Leary

Here's Why Keeping $10,000 in the Wrong Savings Account Is a Huge Problem

Keeping your savings in a low-yield account could cost you hundreds per year in interest. Here's how to fix it and earn more with zero added risk.
Woman looks skeptically at her cellphone.
Feb. 9, 2026 | By Ryan Wilcox

The No. 1 Mistake People Make With High-Yield Savings Accounts

Once you've built up your emergency fund, a high-yield savings account might not be the best place for your extra cash. Here's where to put it instead.
A distressed man sitting in front of a laptop with his hand on his forehead.
Feb. 9, 2026 | By Jake FitzGerald

Here's Why February Is a Bad Month to Leave Cash in a Checking Account

February exposes the hidden cost of idle cash. Here's why leaving too much money in checking quietly costs you interest every day.
Older woman getting assistance from a bank teller.
Feb. 9, 2026 | By Jake FitzGerald

Here's What Happens When You Withdraw $10,000 From a Money Market Account

Withdrawing $10,000 from a money market account is usually simple, but there are reporting rules, timing quirks, and opportunity costs worth knowing.
Person making a mobile check deposit.
Feb. 8, 2026 | By Jake FitzGerald

Here's What Happens When You Deposit $10,000 Into a Money Market Account

Depositing $10,000 into a money market account is common. Here's what actually happens, including cash deposits, CTRs, and interest.
The word "silver" transposed over a line chart showing up and down performance.
Feb. 6, 2026 | By Jake FitzGerald

Here's How Much Silver a Person Can Legally Own

There's no federal limit on how much silver you can own in the U.S., but large transactions can trigger reporting rules.
A young woman sitting on the floor with a calculator, laptop, and notebook.
Feb. 5, 2026 | By Joel O'Leary

Here's Why You Desperately Need to Upgrade Your Savings Account in 2026

Most savings accounts pay terrible rates. Here's why upgrading to a high-yield option in 2026 could help you earn more, save faster, and skip the fees.
Man analyzing laptop that's displaying charts and graphs.
Feb. 5, 2026 | By James McClenathen

How AI Is Helping High Earners See Where Every Dollar Goes

As your wealth grows, money gets harder to track. Here's how AI tools are helping high earners see the full picture.
young man holding cellphone to his ear and holding his hand to his forehead like he made a mistake
Feb. 4, 2026 | By Joel O'Leary

Here's How to Tell if Your Bank Account Is Ripping You Off

Many Americans are earning next to nothing on savings and paying monthly fees they don't need to. Here's how to spot if your bank is overcharging you.
Metal bank vault door, open and showing inside.
Feb. 3, 2026 | By Joel O'Leary

The 4 Safest Places to Keep Your Cash in 2026

These safe cash storage options protect your principal, while still earning strong returns and offering easy access.
woman sitting on couch reading document while holding her head
Feb. 1, 2026 | By Joel O'Leary

Here's What Happens When You Don't Touch Your Bank Account for Years

If your bank account sits untouched too long, your money could wind up in your state's unclaimed funds database. Here's how to prevent that.
Person holding their smartphone with a graphic of a web of dollar signs coming from the top of the phone.
Feb. 1, 2026 | By Jake FitzGerald

The Top 3 High-Yield Savings Accounts of February 2026: APYs up to 4.21%

In February 2026, these three high-yield savings accounts offer some of the best rates available.