Make Every Dollar Work Harder

We rank deposit accounts by published APY, FDIC/NCUA insurance status, monthly fee, minimum balance, and whether the rate is currently available to new customers (banks frequently advertise rates that have closed to new applications). Rate verification runs Monday at 9 AM PT against each issuer's published disclosure; if a rate has shifted by more than 25 bps since our last refresh, we update the comparison and bump the page's What-Changed callout. Banks with fee-trap structures (high overdraft, dormancy fees, account-closure penalties) are excluded from our top-of-the-list recommendations regardless of APY.