Banking

Happen Bank Review 2026 Happen Bank, founded in 2007 and formerly known as LendingClub, has evolved into a full-service online bank with a growing national footprint. Serving more than 5 million members nationwide, the bank combines deposit products, lending solutions, and digital convenience under one platform. For consumers comparing online banking options, Happen stands out … Read more

What Is an Add-On CD? A certificate of deposit (CD) is a time deposit that locks in funds for a set term in exchange for a fixed interest rate. That structure gives savers certainty: you know the rate, the term, and the general return profile before you open the account. Some of the best CD … Read more

If you are self-employed, a business bank account is not legally required in most cases, but it is often one of the smartest financial moves you can make. Keeping business and personal money in the same account may seem simpler at first, yet it often creates tax headaches, weakens recordkeeping, and makes it harder to … Read more

Best CD rates today, Saturday, July 25, 2026 Certificates of deposit remain one of the simplest ways to lock in a guaranteed return, and today’s rate environment still rewards savers who shop carefully. The Federal Reserve cut its federal funds rate three times in 2025. So far in 2026, the Fed has left interest rates … Read more

In an increasingly cashless economy, digital payment methods dominate. The Federal Reserve reports that only 7% of total payments now involve physical cash. For consumers seeking alternatives to credit cards and their potential for debt, prepaid cards and debit cards offer convenient solutions without carrying paper currency. While both provide electronic transaction capabilities, prepaid cards … Read more

Understanding Basis Points: Essential for Financial Literacy Basis points significantly influence personal and global finance, yet their exact meaning often remains elusive to many. Comprehending basis points (BPS) is fundamental to grasping fluctuations in interest rates across various financial products, from lending to savings. This guide aims to clarify what basis points are and their … Read more

Fidelity Data Breach: Final Call for $5,000 Settlement Payouts — July 27th Deadline A critical deadline approaches for individuals impacted by the Fidelity Investments data breach. A $2.5 million class-action settlement fund stands ready to compensate consumers whose sensitive personal and financial data was exposed. Eligible claimants must submit their forms by July 27, 2026, … Read more

Unlock Financial Perks: The Definitive Guide to Rewards Checking Accounts Many consumers believe credit cards are the sole path to earning cash back, points, or miles on everyday spending. However, a specialized financial product, the rewards checking account, challenges this notion. This guide explores how these accounts operate, their advantages, and potential drawbacks, empowering you … Read more

Certificates of deposit (CDs) have long served as a cornerstone of conservative financial planning, offering a secure, fixed-rate return on capital. In recent years, savers enjoyed an era of elevated yields where rates above 5% were commonplace. However, as the Federal Reserve pivots its monetary policy, the landscape has shifted, making these lucrative, high-yield opportunities … Read more

Best High-Yield Savings Rates – July 17, 2026 In the current economic climate, maximizing returns on your savings is more crucial than ever. While traditional savings accounts typically offer a modest 0.38% APY, as reported by the FDIC, the landscape for high-yield savings accounts (HYSAs) presents a significantly more lucrative opportunity. As of Friday, July … Read more