![]() ![]() 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.
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