Consumer Reports
Sharing is nice!

We respect your privacy. ALL email addresses you provide will be used just for sending this story.

Thanks for sharing.
Oops, we messed up. Try again later

Banking & credit guide

Whether you love or loathe them, banks are core financial institutions of the U.S. economy, and their checking accounts form the foundation of most consumers' personal finances. Yes, there are alternatives—credit unions, stockbroker bank accounts, money market mutual funds, virtual banks—but sooner or later you'll need to deal with a bank. 

This guide has everything you need to know about doing that, from the fees, interest rates, and service terms, to the promised goodies and fine-print gotchas. 

Got a question about banking or credit? Email it to: 

Consumer Reports will not sell or rent your email address to third parties. See our Privacy Policy.