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A checking account is a basic financial tool that allows users to safely make purchases, pay bills, withdraw cash and deposit funds. But maintaining one can be expensive: In 2024, Americans paid ...

Capital One’s checking account earns interest and has no minimum balance. Monthly fee: None. Special features: The checking rate is 0.10% APY for any balance. Other pros: 360 Checking account holders ...

CIT’s Platinum Savings account pays 3.75% APY on balances of $5,000 or more. If your balance dips below $5,000, it earns a paltry 0.25% APY. If you tend to carry high balances — at least $5,000 — this ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Eric's career includes extensive work in both public and corporate accounting with ...