Even if interest rates fall in 2026, the right bank accounts can still protect your cash, flexibility, and peace of mind.

SoFi’s Checking and Savings account earns a 0.50% APY (variable and subject to change) on the balance in its checking portion. Customers who enroll in SoFi Plus with direct deposit, or pay a $10 SoFi ...

SoFi® offers a solid interest rate in addition to cash-back opportunities and a bonus. Monthly fee: None. Special features: A 0.50% APY on all balances and an opportunity to earn a bonus between $50 ...

Not all checking accounts pay interest. Among those that do, the numbers are pretty dismal — the average only pays 0.07%, according to the latest government data. Despite those low returns, dozens of ...

Start by identifying your primary banking needs: checking, savings, CDs or specialized services. Avoid banks with excessive ...

The average rate on an interest-earning checking account is an abysmal 0.07% . “Accounts offering interest are a way for the bank to bring in more deposits or appeal to customers with larger balances, ...