Not all banks are created equal
These types of accounts will keeping your savings safe and accessible, while also helping it grow. While rates on traditional savings accounts hover around 0.1%, several banks offer competitive interest rates around 2% or higher for high-yield savings and money-market accounts.
The differences between these high-interest accounts are minimal. Both typically limit withdrawals to six times per statement cycle, but a money-market account may come with a debit card or check-writing capabilities. Be mindful that some high-interest accounts also require a minimum balance to earn the highest rate possible.
Most online banks don't levy maintenance fees, so if you're comfortable with no brick-and-mortar, there are plenty to choose from. For those who prefer access to a physical bank branch, you can often avoid an account maintenance fee by either setting up direct deposit to the account or keeping your balance above a certain amount .Nothing is more annoying than paying an extra $5 to use an out-of-network ATM, and you don't have to.
Banks often provide overdraft protection on checking accounts, and many don't ask before opting customers into the service. Overdraft protection means the bank will step in and cover the cost of a charge if there's not enough money in your account . Most banks charge around $35 each time a customer overdrafts, according to Bankrate. If you opt out of protection, your charge simply won't go through until you fund your account.that don't charge overdraft protection fees at all.
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