They even offer fee-free overdrafts (you need to opt-in first though). In addition to no monthly fees, Capital One will auto-decline transactions that overdraw your balance for free and will allow you to transfer money over to your savings account for free. Now let's dive into your best options for banks in 2022 as a resident of the Gem State:Ĭapital One's flagship 360 Checking Account offers 24/7 mobile banking and access to 70,000 fee-free ATMs across the United States. Other providers have user-friendly platforms with phone and chat support, private messaging, and virtual assistants. Customer Service: Brick-and-mortar banks may be useful for personalized wealth management, such as loans, retirement accounts, and investments.Mobile banking apps and online accounts provide 24/7 access to your funds - directly with your smartphone. Convenience: For in-person support, a regional bank or credit union may suit you well.Credit unions and online banks tend to provide better rates to maximize your savings efforts. Interest Rates: According to the FDIC, traditional banks generally offer the national average savings rate (0.35% as of Feb 2023).Fees: Be aware of banks that charge monthly maintenance fees or fees for performing transactions like ATM withdrawals, wire transfers, late payments, overdrafts, or dipping below the minimum balance.Fully-fledged banks offer loans, credit cards, retirement accounts, and investments. Account Services: Most providers offer checking, savings, certificates of deposits, and money market accounts.This insurance is provided by the Federal Deposit Insurance Corporation (FDIC), an independent agency of the United States government.
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