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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

Woman using laptop and phone to track her personal finances.
Jan. 30, 2026 | By Joel O'Leary

Why People Stay in Terrible Savings Accounts Even When Rates Are High

Many savers earn 0.01% APY without realizing they're missing out. Here's why people stay in low-rate savings accounts, and how to make the switch simple.
Woman looking at financial paperwork with a calculator.
Jan. 30, 2026 | By Joel O'Leary

Here's Why I Wouldn't Put $50,000 in CDs

CDs lock up your cash and limit your growth. Learn how much more $50K could earn elsewhere, and where I'd actually put my money.
A pair of hands separating stacks of money into envelopes.
Jan. 30, 2026 | By Joel O'Leary

3 Unexpected Benefits of Choosing CDs Over Other Savings Accounts

CDs let you lock in a high interest rate, but there are other perks you might not know. Keep reading to learn why a CD might be your best move today.
Money hidden in a dresser drawer.
Jan. 30, 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.
A woman making a budget in a notebook with her laptop open at the kitchen table.
Jan. 29, 2026 | By Joel O'Leary

Here's What Happens When You Switch From a Savings Account to CDs

CDs give you fixed returns, but locking up your cash can backfire. Here's how to know when it makes sense and when it doesn't.
A finger creates a straight upward trending line with an AI bubble in the middle of it.
Jan. 29, 2026 | By James McClenathen

The Top AI Money Management Apps for High-Income Families

These AI-powered apps help families track their investments, net worth, cash flow, and more. Find out which one works best for you.
Bank teller assisting a customer with cash transaction.
Jan. 29, 2026 | By James McClenathen

What Happens When You Withdraw $10,000 or More From Your Bank Account? Here's the Truth in 2026

Banks report cash withdrawals of $10,000 or more to the federal government. Here's why, and how to make sure your next big withdrawal goes smoothly.
Person holding card and phone while looking confused and upset.
Jan. 28, 2026 | By Jake FitzGerald

Here's What Happens When Your Debit Card Triggers a Fraud Alert

Find out why your debit card was declined and the exact steps you need to take to unfreeze your account and protect your cash.
Mature woman using laptop with earbuds in.
Jan. 27, 2026 | By Ryan Wilcox

3 Safe Ways to Earn 4%+ on Your Retirement Savings

Looking to protect your nest egg as you head into retirement? Here are three great ways to do it while still earning a solid return.
A row of glass jars with the first being empty and the others increasingly full of coins and the final one has a plant sprouting from it.
Jan. 27, 2026 | By Joel O'Leary

Here's How Much $10,000 Could Earn in High-Yield Savings in 2026

Stashing $10,000 in the right savings account could earn you $360 a year or more. Here's how to get one of the highest APYs in 2026.
Person getting assistance from bank teller.
Jan. 26, 2026 | By Jake FitzGerald

What Happens When You Deposit $10,000 or More Into Your Bank Account? Here's the Truth in 2026

Learn the 2026 rules for $10,000 deposits. Understand CTR reporting and how AI monitoring affects your cash transactions.
Man in suit using ladder to climb a tall stack of coins with a percentage sign at the top.
Jan. 26, 2026 | By Jake FitzGerald

How High Could CD Rates Go in 2026?

Stop losing money. 2026 CD rates are around 4.00%. See why a big bank's 0.01% is potentially costing you $1,000+ this year.
Man holding a fan of cash appears to be in thought.
Jan. 26, 2026 | By Ryan Wilcox

Why $50K in Savings Is Probably Too Much

Once you've built up a solid emergency fund, a standard savings account is one of the worst places to put excess cash. Here's where to move it instead.
Gold percentage signs all clustered together.
Jan. 25, 2026 | By Joel O'Leary

These 3 Banks Pay the Highest Rates We've Seen in 2026

Earn a top-tier APY and skip the monthly fees with these top-rated bank accounts. Discover the best savings and checking bundles for your goals in 2026.
Woman holding up hand as if to say no.
Jan. 25, 2026 | By Joel O'Leary

Why I'm Not Opening Any CDs in 2026 -- Even With Rates Near 4%

Top CD rates are still hovering near 4%, offering a solid guaranteed rate on your cash for months or years. Find out why I'm staying away regardless.
Middle-aged man and woman looking at paperwork on table and smiling
Jan. 24, 2026 | By Jake FitzGerald

Why a 1-Year CD Might Be the Smartest Choice in 2026

In 2026, a 1-year CD can offer a rare mix of safety, flexibility, and strong yield without locking you in for the long haul.
Vault filled with stacks and rolls of money.
Jan. 24, 2026 | By Joel O'Leary

Here's What Happens if Your Savings Account Balance Is Over $250,000

If your savings balance tops $250,000, some of your money may not be protected. Here's how FDIC limits work, and what to do next.
Two men in thought looking at a laptop screen together.
Jan. 24, 2026 | By Joel O'Leary

Here's What Happens When You Cash Out a CD Before It Matures

Thinking of pulling money early from a CD? Here's what to expect when it comes to the penalty and smarter ways to stay flexible.
A bank structure set on a cream structure with small red flags in the background.
Jan. 23, 2026 | By Joel O'Leary

Here's What Happens When Your Bank Flags a 'Suspicious' Deposit

If your bank flags a deposit as suspicious, here's what to expect and how to make sure your funds don't get stuck or delayed.
Person hiding cash under mattress.
Jan. 22, 2026 | By Joel O'Leary

3 Places You Should Never Keep Your Emergency Savings Fund

Your emergency fund deserves better than low returns. Discover three risky spots -- including checking accounts -- where parking this money can cost you.
Stacks of coins in varying heights with a ladder leaning against the tallest one.
Jan. 22, 2026 | By James McClenathen

Best CD Rates Today, Jan. 22, 2026: Fewer 4.00%+ Options Left -- Act Fast

Today's CDs are paying up to 4.27% APY. It's a good time to secure a strong return before yields decline further.
young woman holding piggy bank
Jan. 22, 2026 | By Jake FitzGerald

Today’s Best High-Yield Savings Rates, Jan. 22, 2026 -- Earn up to 5.00% APY

The best high-yield savings accounts continue to offer up to 5.00% APY -- for now. Grab one while you can before rates slide.
Couple using laptop and calculator together smiling.
Jan. 21, 2026 | By Joel O'Leary

Here's What Happens When You Move All Your Savings to an HYSA

Move your money to a high-yield savings account and earn more interest, skip the fees, and build better saving habits. See the top HYSA picks now.
An hourglass being held in a hand outdoors.
Jan. 21, 2026 | By James McClenathen

Best CD Rates Today, Jan. 21, 2026: Only a Few Top APYs Still Standing

The Fed cut rates a total of three times in 2025, but today's top CDs still offer yields as high as 4.27% APY. Secure a solid return before rates dip lower.
two hands pulling on $100 bill
Jan. 21, 2026 | By Jake FitzGerald

Best High-Yield Savings Accounts Today, Jan. 21, 2026 -- Up to 5.00% APY

The Fed cut rates a total of three times in 2025, but today's top high-yield savings accounts continue to offer up to 5.00% APY. Find out more.