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Ask a Nerd: What Are the indicators that I should consider an additional bank? Advertiser disclosure You’re our first priority. Every time. We believe everyone should be able to make sound financial decisions with confidence. And while our site doesn’t feature every company or financial product in the marketplace We’re pleased that the advice we provide and the information we offer and the tools we create are objective, independent easy to use and completely free. So how do we earn money? Our partners pay us. This can influence the products we write about (and the places they are featured on the website), but it doesn’t affect our suggestions or recommendations that are based on hundreds of hours of research. Our partners cannot pay us to guarantee favorable review of their services or products. . Ask a Nerd: What Are the Signs That I Need an Account with a Different Bank? A few key signs can let you know when it’s time to create a new bank account elsewhere. By Ruth Sarreal Content Management Specialist Accounts with banks and bank account bonuses Ruth Sarreal is a content management specialist who covers consumer banking topics at NerdWallet. She has more than a decade of experience creating and editing content for consumer websites. She was previously editor of articles on personal finance topics for GOBankingRates. The work she has done was featured in Nasdaq, MSN, TheStreet and Yahoo Finance. Jan 26th, 2023 Edited by Yuliya Goldshteyn Assistant Assigning Bank Yuliya Goldshteyn is a banking editor with NerdWallet. She was previously editor, writer, and research analyst in various industries that range from healthcare to market research. She graduated with a bachelor’s degree in history from the University of California, Berkeley as well as a master’s degree in social sciences from the University of Chicago. You can reach her by email at

. The majority of products featured here are from our partners, who pay us. This influences which products we review as well as the place and way the product is featured on the page. However, this does not influence our evaluations. Our views are our own. Here’s a list and . My top emails in the past few months have come from my bank, which let me know that my savings percentage yield has gone up and that fees for overdrafts have been cancelled. If you haven’t gotten either of these lately, it might be time to establish a new account with a different institution. There’s no need to change your current bank if it’s helpful to you. As a banker and a consumer in general I find it useful to have accounts at a variety of different institutions, including the traditional bank, a credit union along with an internet-based bank. Each account gives me something that other accounts don’t. Traditional banks provide items or services that I don’t get at my online bank, while my online bank has greater interest. Therefore, combining institutions can help you keep — and earn – more money. Here are some obvious signs that suggest you need to choose a new institution, or at least . You’re paying unnecessary fees The once uncommon phenomenon that an account at a bank that has no fees — is becoming more and more common. “There’s an overwhelming amount of competition in both the neobanking space and even in traditional banking today to have to pay any fees — particularly charges for overdrafts, or just to be able to open a bank money,” says Ramona Ortega the co-founder of My Money My Future, that focuses on closing the racial wealth gap and provides expert financial guidance. There are a lot of free accounts that don’t require any hurdles to go through to avoid fees on a monthly basis. And more and more , so you definitely shouldn’t be paying for those. The savings APY hasn’t risen recently Even if you haven’t been able to boost your savings contribution over the past few months (thanks, ), you should be seeing a little more money added to your savings account. As we’ve seen in the past, when the raises the federal funds rate, banks usually also increase their rates. If your bank account hasn’t raised your savings rate in the past year, it’s an indication of red flags (and a green light to switch banks). The average national savings rate has increased from 0.06 percent at the start of 2022 to 0.33 percent. Federal Deposit Insurance Corporation . . Accessed Aug 30th 2022. as of January 2023, according to the Federal Deposit Insurance Corp. however, the most attractive rates of interest are now over 10 times the rate (that’s around 3% and up). More information about Savings Cash Management CD Checking Money Market Member FDIC SoFi checking and Savings APY 3.75%. SoFi members with direct deposit are eligible to get up to 3.75% annual percentage yield (APY) on savings balances (including vaults) and 2.50% APY on checking balances. The minimum amount of direct deposit that is required to be eligible for 3.75 percent APY for savings and 2.50 percent APY on checking balances. Members without direct deposit will earn 1.20 percent APY on all account balances of savings and checking (including Vaults). The rates of interest are variable and can change at any time. The rates listed are current as of 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Min. balance for APY $0 Member FDIC Marcus Goldman Sachs Online Savings Bank with APY 3.50 percent 3.50% Annual Percentage Yield (annual per cent yield) with a minimum balance of $0 to earn the APY stated. Accounts must be in positive balance to remain open. APY valid as of 02/07/2023. Min. balance for APY Cash accounts are $0 and provide a range of services and features similar to savings, checking and/or investment accounts into one. The cash management account is generally provided by non-bank financial institutions. These cash accounts combine features and services similar to savings, checking and/or investment accounts into one product. These accounts for managing cash are generally offered by non-bank financial institutions. On the website of Wealthfront, you can find Wealthfront Cash account APY 4.05% min. balance to APY $1 on Betterment’s site Betterment Cash Reserve – Paid non-client promotions APY 4.00 percent annually percent rate (variable) is at 02/06/2023. Min. value of $0 for APY $1 CDs (certificates of deposit) are a type of savings account that has an unchanging rate and term typically, they offer higher rates of interest than regular savings accounts. CDs (certificates of deposit) are a form of savings account that has a fixed rate and term, and usually have higher rates of interest than standard savings accounts. CIT Bank CD APR 4.60% 1.5 years Term 1.5 year FDIC Marcus by Goldman Sachs High-Yield CD APY 4.4 FDIC Marcus by Goldman Sachs High-Yield CD APY 4.40 percent 4.40% APY (annual percent yield) as of 01/25/2023 . One year checking accounts can be used for day-to-day cash deposits and withdrawals. Checking accounts can be used to deposit cash on a daily basis and for withdrawals. Member FDIC SoFi Savings and Checking APY 2.50 percent SoFi members who have direct deposit can get up to 3.75% per year in annual percentage returns (APY) for savings accounts (including vaults) and 2.50% APY on checking balances. There is no minimum amount of direct deposit required to qualify for the 3.75 percent APY on savings and 2.50% APY on checking balances. Customers who do not deposit direct deposits will get 1.20 percent interest on balances of savings and checking (including vaults). Rates of interest are subject to change and can change at any time. These rates are current at 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Monthly fee $0 Upgrade Rewards Checking APY N/A Monthly fee $0 Deposits are FDIC Insured Current Account APY N/A Monthly fee $0 Deposits are FDIC Insured Chime Checking Account APY N/A Monthly fee $0 Member FDIC Axos Bank(r) Rewards Checking APY 1.25% Receive monthly direct deposits totaling $1,500 or more to earn 0.40% APY. Utilize the Axos Visa(r) debit card for up to 10 transactions per month (min $3 per transaction) or join Account Aggregation/Personal Finance Manager (PFM) within Online Banking to earn 0.30% APY. Maintain an average daily balance of $2,500 per month on An Axos managed Portfolios Investment Account to earn 0.20 percent annual percentage yield. Maintain an average daily amount of $2,500 within An Axos Self-Directed Trading Invest Account to earn 0.20 percent APR. Use Your Rewards Checking Account to make your full each month Axos consumer loan payment to earn 0.15% APY. Monthly fee $0 Money market accounts pay rates comparable to savings accounts, and come with some checking features. Money market accounts have rates that are similar to savings accounts, and come with certain checking features. FDIC UFB Best Money Market Member FDIC UFB’s best Money Market Rate APY 4.21% Min. balance for APY $0 Member FDIC Discover Bank Money Market Account APY 3.20% Min. Balance for APY $1 Your bank’s customer support isn’t available enough. should be able to get assistance quickly for problems with your bank account, using an online customer service option you like using. Do you prefer to chat online, but your bank or credit union doesn’t offer online support? Choose a bank which answers questions and provides timely assistance with social media. Or, if the idea of tweeting an institution makes you shiver there are plenty of financial institutions that provide a variety of options. I prefer live online chat, an in-app messaging, or a quick phone call at the end of my shift, so I make sure my bank has all three options, plus extended hours of customer service. If you feel more at ease speaking a non-English language, shop around to find a credit union or bank whose staff members speak the language. If you prefer speaking in Spanish, for example look into a . You’ll need a loan In the event that your bank does not offer the loans that you require at affordable rates, that’s a good indication that you should think about opening an account with an institution like a credit union or bank that offers. Do you think that you won’t need an loan for a while? Consider this option now because it can be helpful to maintain an account that’s in good standing with a financial institution for a time if you ultimately need to borrow funds. “You generally receive a lower rate if you have a banking relationship at this institution” Ortega says. >> Need help deciding on a financial institution? Learn Opening a new bank account could take only one minute and the payoff could be priceless: saved time, more returns on your money, easier access to help — and some peace of mind regarding your finances. If you’ve noticed any of these indicators and are looking to open a brand new bank account, or switch to an institution that serves you better, you should research . Author bio Ruth Sarreal is a content management specialist at NerdWallet. She has been writing and editing content on personal finance topics for more than five years. In a similar vein… Discover a better savings account See NerdWallet’s recommendations for the top high yield online savings accounts. Go deeper into Banking Find more money-saving strategies – straight to your inbox. Sign-up and we’ll email you Nerdy content about the money topics that matter most to you as well as other methods to get more out of your money.

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