Smart money · Banking

Banking guides: savings, checking and bonuses

A bank account should pay you or cost you nothing. If yours does neither, shop around. These guides compare savings, checking and CDs. Check the best online savings accounts and free checking accounts first.

Start with your situation

Pick the one that sounds like you.

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The guides to read first.

SavingsBest Online Savings Accounts for 2026CD ratesBest CD Rates of 2026: Up to 4.15% APYFree checkingBest Free Checking Accounts with No Minimum Balance for 2026Bank bonusesBest Bank Account Bonuses and Promotions of 2026

Savvy move

Before you open an account

Three quick checks that keep more money in your pocket.

  1. 1Compare APY, not the headline rate.APY includes compounding, so it's the fair way to compare savings accounts.
  2. 2Confirm the insurance.Banks should be FDIC insured and credit unions NCUA insured. Check before you deposit.
  3. 3Read the bonus rules.Bonuses often need a direct deposit or a minimum balance held for a set time. Know the rules before you open.

All Banking guides

12 guides, newest first.

Quick answers

What does APY mean?

Annual percentage yield is what you earn in a year once compounding is included. It's the number to compare when you're picking a savings account or CD.

Is my money safe in an online bank?

It is if the bank is FDIC insured, or the credit union is NCUA insured. Coverage is up to $250,000 per depositor, per insured bank, per ownership category. Check before you deposit.

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