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HISTORICAL FACTS: Fdic - Caught on Camera

The Average Money Market Rate Is Only 0.63%—Here’s Why September Is a Good Time to Check Your Account

A money market account paying 0.63% might sound like a perfectly respectable place to park cash until the math gets involved. At that rate, $10,000 earns roughly $63 over a year before taxes, assuming the balance stays put and the rate remains unchanged. The national average for money market deposit…

The Free Financial Advisor

The FDIC Says the Average Savings Account Pays Just 0.38%—How Does Yours Compare?

You may know exactly how much money is sitting in your savings account, but here’s another number worth checking: the interest rate it’s earning. According...

Saving Advice

7 Bank Accounts Worth Rechecking After the FDIC’s Latest National Rate Update

A bank account can sit quietly for years while the interest rate attached to it changes around it. That makes the FDIC’s latest national rate update a useful excuse to revisit where cash actually lives, especially when a familiar account may now look less attractive than it did when it…

The Free Financial Advisor

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Six simple portfolio checks that could save you from costly mistakes

If you’re still accumulating assets for retirement, does your current portfolio balance, combined with your savings rate, put you on track to reach your goal?

The Independent UK

7 Bank-Safety Red Flags Emerging After FDIC Banks Posted $90.1B in Quarterly Profits

The nation’s FDIC-insured banks just posted $90.1 billion in net income for the second quarter of 2026, a 12% jump from the previous quarter. That sounds like excellent news for the banking industry, and it is, but a healthy industry does not automatically mean every bank customer has a perfectly…

The Free Financial Advisor

Félix Raises $200 Million to Turn WhatsApp Into a Bank for Millions of Latino Immigrants

Félix raised $200M, nearing a $1.4B valuation with its WhatsApp money app — a sign of how many Latino households U.S. banks still fail.

Latin Times

FDIC Changes Reciprocal Deposit Rules for Banks Under New Housing Law

Banks participating in reciprocal deposit networks have new federal rules to follow after the Federal Deposit Insurance Corporation implemented changes Congress made to how certain deposits are treated under banking regulations. The FDIC’s interim final rule took effect September 1 and implements Section 902 of the 21st Century ROAD to…

The Free Financial Advisor

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Before You Give an Adult Child Access to Your Bank Account, Understand These 5 Alternatives

Maybe you’re getting tired of managing bills, worried about what would happen during a hospitalization, or simply want an adult child to help keep an...

Saving Advice

Your Spouse Has Always Handled the Money. Learn These 8 Things Before You Have To

In plenty of marriages, one spouse naturally becomes the household’s financial manager. That arrangement can work perfectly well for decades… That is until illness, cognitive...

Saving Advice

Retired With $100,000 in the Bank? Make Sure You Understand What FDIC Insurance Actually Covers

Having $100,000 sitting in the bank during retirement can feel reassuring, especially when that money represents years of saving and may need to cover emergencies,...

Saving Advice

Can You Have Too Much Money in Savings? Here’s When Cash Starts Working Against You

Watching a savings balance climb usually feels like financial progress, and in many cases it is. Cash provides stability, pays unexpected bills without debt, and...

Saving Advice

Is Your Emergency Fund Too Big? At Some Point, Safety Has a Price

An emergency fund should make financial surprises less terrifying, but there comes a point when piling more money into cash stops adding much protection and starts creating an opportunity cost. A giant savings balance can feel wonderfully comforting, especially after years of watching unexpected bills ambush otherwise sensible budgets. But…

The Free Financial Advisor

The $100,000 Cash Problem: When Keeping Too Much Money “Safe” Creates a Different Kind of Risk

A six-figure cash balance can feel like the financial equivalent of a fortress. The money sits there, untouched, ready for an emergency, a house purchase, a business opportunity, or simply the next expensive thing life decides to throw through the window. But once cash reaches $100,000, keeping every dollar parked…

The Free Financial Advisor

If You Become Incapacitated, Who Can Access Your Bank Account?

Most people know what happens to a bank account after its owner dies, or at least know that wills, beneficiaries, and estate rules come into...

Saving Advice

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Kiplinger

5 High-Yield Savings Account Mistakes That Could Cost You Money

A high-yield savings account can help your money earn more, but these five common mistakes could be holding your savings back.

Benzinga

You’re Already Funding the AI Bubble — and You’ll Pay for the Bust

The debate over the artificial-intelligence boom has mostly been framed as a market question: whether NVIDIA Corp.’s (NASDAQ:NVDA) valuation is stretched, whether hyperscalers are overbuilding data centers, whether the capital-expenditure cycle can eventually be justified by revenue.

Saving Advice

Should Retirees Still Keep an Emergency Fund? The Answer Changes After You Stop Working

For most of your working life, emergency-fund advice probably sounded straightforward: keep enough cash available to survive a few months without a paycheck. Then you...

The Free Financial Advisor

What Actually Happens to Your Money When a Bank Fails?

A bank failure sounds like the financial equivalent of someone pulling the fire alarm at two in the morning. Suddenly, everyone wants to know where the exits are and whether the money in the checking account just vanished. For customers of an FDIC-insured bank, however, the story usually looks much…

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Bangkok Post

Elon Musk launches X Money

The X platform, formerly Twitter, has moved another step closer to becoming an "everything app" by launching X Money for X Premium and Premium+ subscribers, allowing users to deposit funds, transfer money and pay bills directly within the official application.

International Business Times UK

Elon Musk's X Money Just Dropped a 6% Interest Bomb, Banks Could Be in Trouble

Elon Musk's X Money offers up to 6% APY and 3% cashback, but eligibility rules and Elizabeth Warren's warnings could make the platform's banking ambitions a major controversy.

The Free Financial Advisor

FDIC Publishes 2026 Risk Review Covering Funding, Interest Rate, and Credit Risks Facing Banks

The Federal Deposit Insurance Corporation (FDIC) has released its 2026 Risk Review, an annual report examining the most significant risks facing the U.S. banking industry during 2025. The report focuses on three primary areas: funding risk, interest rate risk, and credit risk, providing an overview of how changing economic conditions…

Everybody Loves Your Money

Best Places to Put Emergency Savings in 2026: 6 Options Beyond a Regular Savings Account

Emergency savings do not need to sit in one boring account forever. In 2026, savers have several places to keep cash accessible, earn interest, and potentially protect more of their money from inflation without tossing the whole emergency fund into the stock market roller coaster.

The Free Financial Advisor

Keeping All Your Cash at One Bank? Here Are 5 Reasons to Reconsider

Keeping every dollar at one bank feels wonderfully simple. One app, one password, one debit card, one place to check when the bills need paying. Convenience matters, but putting all your banking eggs in one digital basket can create problems when something goes wrong.

We Got This Covered

Colorado woman double checked the number when she got a call from the bank. Then, her entire life savings were gone

‘Once they got me into a state of panic, I was trusting of them.’

Everybody Loves Your Money

Bank Beneficiary Mistakes That Can Leave Families Sorting Out Money the Hard Way

Millions of Americans assume the money in their checking and savings accounts will automatically go to the people they intended after they die. But outdated beneficiary forms, missing payable-on-death (POD) designations, and misunderstandings about joint ownership can leave families facing unnecessary delays—or even send money to the wrong person. While…

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