Savings
Savings
What Is APY?
APY, also known as Annual Percentage Yield, refers to how much your bank account can earn in a year. Learn how APY is calculated and how it can build your savings.
Savings
How to Save Money with a Savings Account
Learn how to start saving money and which savings account is right for you. Discover how much money you should have in savings and more.
Savings
What is a Savings Account?
A savings account is an interest-bearing bank account. Learn how savings accounts work, types of savings accounts and how to get more out of your savings account.
Savings
How to Calculate Savings Account Interest
Learn how to calculate interest on your savings account step-by-step, how much to keep in your savings account and how to set smart savings goals.
Savings
How to Open a Savings Account
Opening your first savings account? Learn how to start a savings account and explore the steps involved in opening an account for the first time.
Savings
How to Close a Savings Account
Learn how to close a savings account, whether you have a traditional savings account or an online savings account. You may be able to close your savings account online.
Savings
Savings Accounts 101: A Guide to Savings Accounts
Learn what a savings account is, how it works and how it can grow your money with simple, practical strategies. Explore this savings account guide from Citi.
Savings
How Much Should You Save for an Emergency Fund?
An emergency fund can help you handle unexpected expenses without going into unneeded debt. Learn how big your emergency fund should be and where to keep it.
Savings
Money Saving Tips: 9 Essential Strategies
Discover 9 money saving tips to help you set goals, budget effectively, and cut expenses. Start saving for your future with ways to save money now.
Savings
Saving vs. Investing: What’s the Difference?
Learn the differences between saving and investing, including risks, benefits and how each can be part of a balanced financial strategy and help you reach your goals.
Savings
Types of Savings Accounts
Learn about different types of savings accounts, including traditional and certificates of deposit. Compare to find the savings account that fits your goals.
Savings
Better Money Habits: 6 Habits for Better Financial Health
Achieving long-term money goals may be easier when you embrace better money habits. Explore healthy money habits to help you accelerate your savings journey.
Savings
Smart Ways to Save for College
Explore the best ways to save for college, including 529 plans, education accounts and tips to build a consistent savings strategy for future costs.
Savings
Budgeting Tips for New Graduates
A new graduate’s financial decisions can have a lifelong impact. Our graduate savings and budgeting guide encourages smart financial planning and better savings.
Savings
Step-Up CDs Explained: What Is a Step-Up Certificate of Deposit?
Step-up CDs offer periodic interest-rate increases. Read on to discover what step-up CDs are, how they work and what to consider before opening one.
Savings
What Is a Rainy Day Fund?
Learn the meaning of a rainy day fund, how it differs from an emergency fund and simple steps to build one for unexpected everyday expenses.
Savings
Can You Withdraw Money From a Savings Account?
Yes, you can withdraw from a savings account, but there may be limits. Learn how savings withdrawal rules work and how to avoid extra fees.
Savings
CD vs. IRA: What’s the Difference?
Learn the key differences between CDs and IRAs, including purpose, tax treatment and access. Find out which savings option may be right for you.
Savings
Can You Overdraft a Savings Account?
Savings accounts can be overdrawn in certain cases. Learn when overdrafts might happen, what fees may apply and how to avoid them.
Savings
What Do You Need to Open a Savings Account?
Learn what documents, ID and personal information you need to open a savings account, online or at a branch. Explore the process to open a savings account.
Savings
How Much Should You Have in Your Savings Account?
Learn how much money to keep in a savings account, common benchmarks like 3–6 months of expenses and factors that affect your ideal savings goal.
Savings
Roth IRA vs. Savings Account: Key Differences Explained
Learn how a Roth IRA compares to a savings account, including purpose, access and tax benefits. Plus, explore when to use one, the other or both.
Basic Finance
Basic Finance
Checking vs. Savings vs. CD vs. Money Market Accounts: What's the Difference?
Which type of deposit account is best for you? Learn the differences between checking and savings accounts, as well as CDs and money market accounts.
Basic Finance
Compound Interest Explained
What is compound interest and how does it work? Here, we'll explain what compound interest is, how it's calculated and how it can help you grow your savings.
Basic Finance
What Is a Checking Account?
A checking account is a type of deposit account for daily banking. Learn more about how checking accounts work and how to find one that works for you.
Basic Finance
How to Open a Checking Account
Want to open a checking account? Learn how checking accounts work, whether you can open one online and what you'll need to open an account.
Basic Finance
What Is an Interest Rate?
Interest rates can determine how much you pay on loans or earn on savings accounts. Read on to learn how interest rates work and how to calculate interest.
Basic Finance
How to Withdraw Money from a Bank
There are a few ways to withdraw money from a bank account, including from an ATM and in person. Learn how to withdraw money from a bank account.
Basic Finance
What Are the Benefits of Using Direct Deposit?
Direct deposit is fast, secure and convenient. Learn how it works and explore the key benefits of receiving your payments electronically.
Basic Finance
What is a Certificate of Deposit (CD) and How Does it Work?
Learn what a certificate of deposit (CD) is, how it works and the different types. Compare pros and cons to consider when choosing a CD for your financial goals.
Basic Finance
Joint Bank Account: What is It and How Does it Work?
A joint bank account is owned by 2 or more people who share equal access to funds. Learn how it works, including deposits, withdrawals and managing finances.
Basic Finance
5 Convenient Ways to Send Money
There are a few ways to send money, including via bank transfer, through a payment app and using a cashier’s check. Learn more on how to send money.
Basic Finance
What is a Money Market Account?
A money market account lets you earn interest and generally may offer other features, like an ATM card. Learn what a money market account is and how it works.
Basic Finance
7 Checking Account Benefits
Checking accounts can be convenient tools for paying bills and handling day-to-day finances. Explore the benefits and features checking accounts offer.
Basic Finance
What is Direct Deposit and How Does it Work?
Understand how direct deposit works, when direct deposits hit and what you need to streamline your financial management.
Basic Finance
What Is a Cashier’s Check
A cashier's check is a check issued and guaranteed by a bank. You might be asked for a cashier’s check when making a large purchase, like a down payment on a home.
Basic Finance
How to Check Your Checking Account Balance
You can typically monitor your checking account balance through online banking, mobile apps, ATMs, bank statements, or by visiting or calling your bank. Learn more.
Basic Finance
Business Checking Account vs. Personal Checking Account
Explore the differences between business checking accounts and personal checking accounts. Learn the key features of each and when it makes sense to get a business checking account.
Basic Finance
What Do You Need to Open a Bank Account
Learn what documents and information you need to open a bank account, whether for checking or savings. Learn about the process and requirements.
Basic Finance
How Many Bank Accounts Should You Have?
Wondering how many bank accounts you should have? Learn the benefits of multiple checking and savings accounts, from budgeting to achieving savings goals and earning interest.
Basic Finance
How to Open a Certificate of Deposit (CD)
Learn how to open a Certificate of Deposit (CD), from choosing the right type and term for you to selecting a bank, applying and depositing funds.
Basic Finance
Benefits of Certificates of Deposit (CDs)
Certificates of deposit (CDs) can come with several benefits, including the ability to earn a fixed rate on your money. Learn more about the benefits of CDs.
Basic Finance
Traditional Banks vs. Online Banking: The Differences Explained
Traditional banks have physical branches while online banks do not. Learn more about the differences, including traditional and online banking pros and cons.
Basic Finance
Types of Certificates of Deposit (CDs)
Learn about the different types of certificates of deposits (CDs), including fixed rate, no penalty, jumbo, high-yield and step up, to help you choose a CD.
Basic Finance
What is a Digital Wallet?
Digital wallets can let you conveniently store payment information, identification and more. Learn what a digital wallet is and how a digital wallet works.
Basic Finance
What Happens When a Certificate of Deposit (CD) Matures?
Learn what happens when a certificate of deposit (CD) matures and your options, including renewing the CD, withdrawing the money or reinvesting the funds elsewhere.
Basic Finance
What Is Overdraft Protection?
Overdraft protection helps you avoid overdraft fees and declined transactions. Learn what overdraft protection is so you can make informed banking decisions.
Basic Finance
Is Certificate of Deposit (CD) Interest Compounded?
Interest on certificates of deposit (CDs) usually compounds. Learn what compounding interest is, how it works and how interest can compound on a CD.
Basic Finance
When Should You Renew Your Certificate of Deposit (CD)?
Most certificates of deposit (CDs) automatically renew after the grace period. Learn more about CD renewal tips and grace periods.
Basic Finance
How Long Does It Take a Check to Clear?
It usually takes 1-2 days for a check to clear, but there can be exceptions. Learn more about how long it takes a check to clear and what factors affect when funds are available.
Basic Finance
How to Wire Money
Learn how to wire money securely and efficiently. Discover how wire transfers work, how to send funds domestically or internationally and what to expect.
Basic Finance
How to Deposit a Check
You can typically deposit a check in person at a bank, at an ATM or through your bank’s app. Learn what you need to know to deposit a check.
Basic Finance
How to Sign Over a Check
Learn how to sign over a check and when signing over a check to someone else can make sense. Explore alternatives like electronic transfers or mobile deposits.
Basic Finance
How to Open a Bank Account for a Minor
Opening a bank account with your child teaches the ins and outs of saving and spending. Learn more about how to open a bank account for a minor.
Basic Finance
How to Close a Bank Account
Wondering how to close a bank account online or in person? This guide offers helpful tips and steps to make the process of closing a bank account easier.
Basic Finance
How to Set Financial Goals
Learn how to set SMART financial goals. Explore short-, medium- and long-term goals, from building an emergency fund to retirement.
Basic Finance
Checking Account vs. Savings Account
Checking accounts are often used for everyday expenses while savings accounts can be a place to keep and grow your money. Learn more about the similarities and differences.
Basic Finance
What Is Mobile Check Deposit?
Mobile check deposit lets you deposit checks using your bank’s app and your smart device. Learn how mobile check deposit works and its benefits.
Basic Finance
Benefits of Mobile Banking
Mobile banking lets you access account information and more on your phone. Learn more about the features and benefits of mobile banking.
Basic Finance
How to Manage Your Checking Account
Learn helpful tips on how to manage your checking account effectively by balancing transactions, monitoring activity, avoiding fees, and maintaining financial organization.
Basic Finance
Banking 101: An Introduction to Banking Services
Discover the basics of banking, including how banks work, key products and services, and their role in financial management.
Basic Finance
How to Remove a Hold on a Bank Account
A bank might put a hold on funds for several reasons, including when you deposit a check. Learn more about bank account holds and how to remove them.
Basic Finance
Common Banking Fees and How to Avoid Them
Learn about common bank fees like overdraft, monthly maintenance and ATM fees and discover effective strategies for avoiding them.
Basic Finance
What Is the 50/30/20 Rule?
The 50/30/20 budget divides your income into three spending categories: 50% for needs, 30% for wants and 20% for savings and debt repayment. Learn more.
Basic Finance
APR vs. APY: What’s the Difference?
Learn the difference between annual percentage rate (APR) and annual percentage yield (APY), how they're calculated and when each is used.
Basic Finance
What Is a Beneficiary?
A beneficiary is a person or organization you designate to receive an asset after you pass away. You can designate beneficiaries for life insurance and bank accounts to help with estate planning. Learn more about beneficiaries.
Basic Finance
Certificate of Deposit (CD) vs. Savings Account
Compare Certificates of Deposit (CDs) and savings accounts to find the best option for your financial goals. Learn the pros, cons, and key differences.
Basic Finance
What Is a CD Ladder?
Learn what a CD ladder is, how it works, and its benefits. Discover how to enhance your savings and diversify your investments with a certificate of deposit ladder.
Basic Finance
What is Identity Theft?
Learn what identity theft is, how it occurs and actionable steps you can take to help protect your personal information and financial well-being.
Basic Finance
What is Compound Interest?
What is compound interest and how does it work? Here, we'll explain what compound interest is, how it's calculated, and the types of compound interest accounts.
Basic Finance
5 Benefits of a Savings Account
From earning interest on your money to keeping your savings separate, savings accounts offer a number of benefits. Learn more.
Basic Finance
Types of Bank Accounts
Different types of bank accounts can help you manage your money in different ways. From high-yield savings accounts to everyday checking accounts, learn more.
Basic Finance
What Is a Bounced Check?
Get clarity on bounced checks. Learn how to avoid bounced checks, how long it takes for a check to bounce and the impact of returned check charges.
Basic Finance
Are CDs Worth It?
Whether a certificate of deposit (CD) is worth it depends on your goals and financial situation. Learn more about the pros and cons of CDs.
Basic Finance
Types of Digital Wallets
Whether a certificate of deposit (CD) is worth it depends on your goals and financial situation. Learn more about the pros and cons of CDs.
Basic Finance
Benefits of Money Market Accounts
Money market accounts are essentially the same as savings accounts. Learn more about their benefits, drawbacks and whether they’re right for you.
Basic Finance
What is Zero-Based Budgeting and How Does It Work?
Find out what a zero-based budget is. Understand the advantages of zero-based budgeting for effective financial planning and potential challenges.
Basic Finance
How Long Does a Wire Transfer Take?
How long does a wire transfer take? Explore the timeline for bank-to-bank transfers and find out when your money will be available to use.
Basic Finance
What Is a Deposit? Meaning, Types and How It Works
Explore what a deposit means in banking. Learn about different types of deposits, how they work and why they're essential for managing your funds.
Basic Finance
How to Open a Money Market Account in 5 Steps
This step-by-step guide walks you through how to open a money market account, from choosing the right account for you to funding it.
Basic Finance
APY vs. Interest Rate
Discover the key differences between APY vs interest rate. Learn more about savings accounts with a comprehensive guide on interest rates vs APY.
Basic Finance
Money Market vs Savings Account: What’s the Difference?
Savings and money market accounts offer similar features. Learn how they work, where they overlap, and how to choose the right options for your savings goals.
Basic Finance
How to Close a Checking Account
Learn how to close your checking account. Follow our 5-step guide to help avoid fees and try to protect your credit. Here are some things you need to do.
Basic Finance
How to Stop Payment on a Check
Learn how to stop payment on a check, what details you’ll need, when to act and what fees may apply. Understand the process and how to avoid errors.
Basic Finance
What to Do If Your Identity is Stolen
Learn how to check for identity theft, spot warning signs and take quick action if your identity is stolen. Explore steps to address a stolen identity.
Basic Finance
Budgeting Basics: A Budget Template for Beginners
Creating a budget is the first step to better financial planning. Our guide covers helpful budgeting tips and includes a basic budget template for beginners.
Basic Finance
Are Debit Cards Secure?
Debit cards let you easily withdraw funds and make payments, but are they secure? Find out about the use of debit cards online and explore card protections and security tips.
Basic Finance
The Pros and Cons of Certificates of Deposit
Certificates of deposit may be a safe, low-risk way to grow your savings. Discover the pros and cons of CD accounts and find out if they're right for you.
Basic Finance
What to Know about CD Early Withdrawal Penalties
A CD early withdrawal penalty could eat into your interest and compromise your savings. Learn about how early withdrawal penalties work and how to avoid them.
Basic Finance
Financial Scams to Watch Out For
Learn how to spot and avoid common financial scams. Read on for tips to protect your money, verify if something is legitimate and take action if you suspect fraud.
Basic Finance
Key Steps to Improve Financial Wellness
Discover what financial wellness means and learn simple ways to help improve it through budgeting, saving, debt management and reliable financial resources.
Basic Finance
How to Manage Your Bills Better and Stay on Track
Learn how to manage your bills better with personal finance tips for organizing payments, setting a budget and avoiding missed due dates.
Basic Finance
How to Teach Kids About Money: An Age-by-Age Guide
Learn how to teach kids about money with age-appropriate lessons. Get a step-by-step guide to building financial skills from preschool through young adulthood.
Basic Finance
5 Tips for Sticking to a Budget
Learn how to stick to a budget with practical tips for tracking spending, building in flexibility, staying motivated, and making your budget work long term.
Basic Finance
Tips to Create Your Family's Financial Plan
Learn how to build a strong family financial plan with tips on budgeting, wealth management, estate planning and setting shared goals.
Basic Finance
Short-Term vs. Long-Term CDs: How to Choose
Compare short-term and long-term CDs by term length, interest rates and flexibility. Learn how to choose the right CD based on your savings goals.
Basic Finance
How to Create a Financial Plan: 5 Essential Steps
Learn the five essential steps to create a personal financial plan. Set goals, build a budget, manage debt and adjust your strategy over time.
Basic Finance
Benefits of Certificates of Deposit (CDs)
Explore the benefits of CD accounts. Review the benefits of a CD account and the advantages of CD accounts for diversified savings.
Basic Finance
Certified Check vs. Cashier’s Check: Key Differences Explained
Learn the difference between a certified check and a cashier’s check and when to use them for payments. Explore more about certified and cashier's checks.
Basic Finance
How Much Money Should You Keep in Your Checking Account?
Find out how much money to keep in your checking account to cover expenses, avoid fees and stay financially secure without missing savings opportunities.
Basic Finance
Can You Have Multiple Checking Accounts?
You can have more than one checking account, even at the same bank or credit union. Learn how many checking accounts you should have and helpful tips for managing them effectively.
Basic Finance
How to Cancel a Lost Debit Card
Lost your debit card or need to cancel it? Learn the steps to report a lost card, close or cancel it securely, and protect your bank account from fraud.
Basic Finance
How to Deposit Cash Into a Bank Account
Learn how to deposit money at a bank or ATM, how much cash you can deposit and what to expect when making a deposit in person or electronically.
Basic Finance
What Is a Debit Card and How Does It Work?
A debit card lets you access your bank account’s funds for purchases and withdrawals. Learn how a debit works, how to get one and ways to use it responsibly.
Basic Finance
Is Online Banking Secure? What You Should Know
Learn how online banking works, what risks to watch for and how to protect your account.
Basic Finance
How Many CDs Can You Have Open?
You can open multiple CDs at one bank or across banks. Learn why having more than one CD may be useful and what to consider before opening several.
Basic Finance
How to Avoid ATM Fees
ATM fees may end up costing you, even if they seem small at first. Learn how much ATMs charge, what no-fee ATMs are and smart ways to avoid ATM fees.
Basic Finance
What Can Someone Do With Your Bank Account Number?
Worried, your bank account is hacked? Learn what someone can do with your bank account number and how to help protect your identity and information.
Retirement
Retirement
What Are the Benefits of a Roth IRA?
A Roth IRA offers a unique way to save for the future and help your financial planning. Here are the top benefits and advantages of a Roth IRA.
Retirement
Understanding Roth IRAs
A Roth IRA is a type of retirement account in which after-tax dollars grow tax-free and withdrawals are tax-free. Here's how a Roth IRA works.
Retirement
How Much to Save for Retirement at Every Age
Wondering how much you should have saved up for retirement? Here’s a breakdown of what retirement savings can look like in your 20s, 30s and beyond.
Retirement
What is an IRA?
An IRA (individual retirement account) lets you grow your retirement savings. Learn how an IRA works, about types of IRA accounts and what IRA may be the best choice for you.
Retirement
What Is a 401(k)?
Learn what a 401k is, how it works, how to contribute, and the differences between Roth and traditional 401k plans. Start retirement planning today.
Retirement
IRA vs. 401(k): What Are the Differences?
IRAs and 401(k)s both offer a tax-advantaged way to save for retirement. Learn about their key similarities and differences.
Retirement
Roth IRA vs. Traditional IRA
Learn about the tax advantages, contribution limits, income restrictions and withdrawal rules for Roth IRAs and Traditional IRAs. Decide which is right for you.
Retirement
What Is a Traditional IRA?
A traditional IRA is a tax-advantaged retirement savings account. Learn how a traditional IRA works, who can open one and the pros and cons
