Category: Saving & Banking

The Fed’s newest survey says 37% of adults could not cover a $400 surprise with cash. What the data shows and how to size an emergency fund that fits your life.

CD early-withdrawal penalties range from a few months of interest to more than a year. Here is the federal floor, the fine print, and when paying up makes sense.

The FDIC’s June update puts the average savings account at 0.38% and the average 12-month CD at 1.65%. What the numbers mean and how to earn more safely.

Overdraft, maintenance, and late fees are set by bank policy, not law, and banks reverse them constantly. What to say, what to know, and when to escalate.

Adding an adult child to a parent’s bank account is the common move, and often the wrong one. CFPB-recommended alternatives that protect everyone.

The average savings account pays 0.38%. High-yield accounts pay many times that with the same FDIC insurance. APY, fine print, and the real math.

State treasurers hold billions in forgotten deposits, paychecks, and refunds, and about 1 in 7 people have some. How to search every state you’ve lived in, free.

Overdraft fees range from $0 to $34 depending on your bank. How the fee landscape changed, what happened to the $5 cap, and how to stop paying them.

Treasury bills auctioned this week pay about 3.7 percent, while the average 12-month bank CD pays 1.53 percent. How the two compare on rates, taxes, and access.

FDIC insurance protects $250,000 per depositor, per bank, per ownership category. What that covers, what it never covers, and how to check your own accounts.