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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

Vault filled with stacks and rolls of money.
Sept. 30, 2026 | By Ryan Wilcox

Should You Ever Keep More Than $50,000 in Savings?

Is $50,000 in savings too much or not enough? The short answer: It depends. Here's what to know.
A man sitting at a sunny desk and looking up something on a laptop.
Sept. 30, 2026 | By Ryan Wilcox

Why a 4% CD Might Be the Worst Place for Your Cash

A 4% CD rate looks pretty great -- until it doesn't. Here's what to know, and a few other better options available now.
A white piggy bank that says emergency fund next to a stack of U.S. currency.
Sept. 30, 2026 | By Ryan Wilcox

Best High-Yield Savings Accounts Today, Sept. 30, 2026: Earn up to 4.50% APY

The Fed officially announced a rate hike earlier this month. Top HYSAs continue to offer up to 4.50% APY, but we could see that number inch upward as a result.
Bank customer dealing with cash with teller.
Sept. 29, 2026 | By Ryan Wilcox

Here's What Your Bank Actually Does With Your Money

Ever wonder what happens to your money after you deposit it? Here's how banks actually use your cash to profit.
Stack of hundred dollar bills on table
Sept. 29, 2026 | By Ryan Wilcox

Top High-Yield Savings Accounts Offering up to 4.50% APY Today, Sept. 29, 2026

The best high-yield savings accounts continue to offer up to 4.50% APY. But after the September Fed rate hike, we'll likely see banks raise top APYs.
A man reading on a tablet with a laptop open on the table.
Sept. 28, 2026 | By Ryan Wilcox

Interest Rates Are Climbing Again. Here's Where to Move Your Cash Now

High-yield savings accounts are looking even better after the Fed's latest hike. See what counts as a good rate, plus what else to do with your cash today.
Piggy bank surround by cash stacks
Sept. 28, 2026 | By Ryan Wilcox

Best High-Yield Savings Rates Today, Sept. 28, 2026: Up to 4.50% APY Available

Today's best high-yield savings accounts offer up to 4.50% APY -- see top rates and choose the perfect place to help your money grow faster.
Couple appears frustrated while looking at the contents of a laptop screen.
Sept. 27, 2026 | By Joel O'Leary

Here's What Happens When You Cash Out a CD Early

Withdrawing money from a certificate of deposit before it matures usually triggers a penalty that can eat into your interest and even your original deposit.
Man in glasses uses a laptop.
Sept. 27, 2026 | By Joel O'Leary

Forget CDs, Even With Rates at 4%. Here's Where I'd Put My Money in September 2026

Before you lock savings in a CD, it's worth knowing when a flexible savings account earns more and still lets you withdraw anytime.
Woman excited about something she sees on her cellphone.
Sept. 27, 2026 | By Ryan Wilcox

Earn up to $400 Cash and a 6-Month APY Boost: Best Bank Account Bonuses This Week, Sept. 27, 2026

My favorite high-yield savings account is offering $50 or $400 in bonus cash and a boosted APY for up to six months. Here's how you can get it.
Money hidden in a dresser drawer.
Sept. 26, 2026 | By Joel O'Leary

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

Money sitting in cash slowly loses value to inflation. Learn safe, flexible ways to earn interest on savings while keeping funds protected and easy to reach.
Person makes calculations and writes them in a notebooks while a piggy bank sits nearby.
Sept. 26, 2026 | By Joel O'Leary

Here's How Much Your Savings Can Earn at 4.20% APY in 2026

See how much a high-yield savings account can earn on your cash, why rates are rising again, and where to find a top one.
Young man pausing from using his laptop to look at a calendar.
Sept. 26, 2026 | By Joel O'Leary

CDs Are Paying 4%. Here's the One Scenario Where They Actually Make Sense

A CD isn't right for most savers. But for money you'll need on a set date, locking it up can beat keeping it liquid. Here's how to tell.
Glass jar full of hundred dollar bills.
Sept. 26, 2026 | By Ryan Wilcox

Best Savings Accounts Offering up to 4.50% APY Today, Sept. 26, 2026

Top high-yield savings accounts are still paying up to 4.50% after the Fed rate hike earlier this month. Start earning more on your savings balance today.
Woman shrugs shoulders while looking at laptop screen.
Sept. 25, 2026 | By Joel O'Leary

Here's What Happens When You Leave $10,000 in a Checking Account

Idle cash in everyday checking earns almost nothing, while a high-yield savings account can grow the same balance with no extra effort.
Unhappy Older Lady
Sept. 25, 2026 | By Joel O'Leary

2 Reasons You Should Be Unhappy About CD Rates Above 4%

Locking in a CD guarantees your yield, but with inflation still high, that fixed return may not stretch as far as it seems.
Red percent sign amid white dollar signs
Sept. 25, 2026 | By Joel O'Leary

Happen Bank Now Pays 4.20% APY on Savings -- 11X the National Average

Happen Bank's LevelUp Savings account has increased its APY to a level far above the average bank, though the top rate requires a $250 monthly deposit.
A man putting coins in a jar and doing calculations in a notebook.
Sept. 25, 2026 | By Ryan Wilcox

Top High-Yield Savings Accounts Offering up to 4.50% APY Right Now, Sept. 25, 2026

The Fed held rates steady five times to start 2026, followed most recently by a rate hike. Find out where top high-yield savings accounts stand now.
Elderly person excited about something they see on a laptop screen.
Sept. 24, 2026 | By Joel O'Leary

The 3 Best Savings Accounts for Your Grandma

Many retirees keep large cash balances, with low-rate traditional banks. Here are some simple ways to move that money into a trusted, higher-earning account.
plant growing out of jar of coins
Sept. 24, 2026 | By Ryan Wilcox

Best High-Yield Savings Accounts Today, Sept. 24, 2026: Earn up to 4.50% APY

The Fed officially announced a rate hike last week. Top HYSAs continue to offer up to 4.50% APY, but we could see that number inch upward as a result.
A block indicating the direction of rates being changed to a different direction.
Sept. 23, 2026 | By Joel O'Leary

Here's What Happens When the APY Changes on Your Savings Account

A shifting savings rate can mean more interest or less. Here's what actually changes, what stays safe, and how to keep earning a top rate.
A jar labeled emergency fund holding a stash of cash.
Sept. 23, 2026 | By Ryan Wilcox

Top High-Yield Savings Accounts Offering up to 4.50% APY Today, Sept. 23, 2026

The best high-yield savings accounts continue to offer up to 4.50% APY. But with a Fed rate hike announced last week, we'll likely see banks raise top APYs.
A stylish young woman celebrating and throwing confetti in the air.
Sept. 22, 2026 | By Joel O'Leary

Happen Bank Just Raised Its Savings APY to 4.20% -- Here's What to Know

Online savings rates are climbing after the Federal Reserve's latest rate hike. Here's what a top-rated high-yield account means for your cash.
A piggy bank among a pile of fallen leaves.
Sept. 22, 2026 | By Ryan Wilcox

Best High-Yield Savings Rates Today, Sept. 22, 2026: Up to 4.50% APY Still on Offer

Today's best high-yield savings accounts offer up to 4.50% APY -- see top rates and choose the perfect place to help your money grow faster.
A stack of coins in ascending height sits next to a piggy bank.
Sept. 21, 2026 | By Ryan Wilcox

Best Savings Accounts Offering up to 4.50% APY Today, Sept. 21, 2026

Top high-yield savings accounts are still paying up to 4.50% after last week's Fed rate hike. Start earning more on your savings balance today.