![]() Interest Rates: According to the FDIC, traditional banks generally offer the national average savings rate (0.35% as of Feb 2023).Fees: Be aware of banks that charge monthly maintenance fees or fees for performing transactions like ATM withdrawals, wire transfers, late payments, overdrafts, or dipping below the minimum balance.Fully-fledged banks offer loans, credit cards, retirement accounts, and investments. Account Services: Most providers offer checking, savings, certificates of deposits, and money market accounts.This insurance is provided by the Federal Deposit Insurance Corporation (FDIC), an independent agency of the United States government. Safety: We look for companies that partner with FDIC-member banks, which means your deposits are insured up to $250,000 per depositor, per bank, for each account ownership category.To help you choose the right bank for you, we keep in mind the following factors: ![]()
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