Analyseur de Coûts Bancaires
Questions Fréquentes
Questions courantes sur Analyseur de Coûts Bancaires
Avec un compte courant sans frais et un compte d'épargne à haut rendement, beaucoup de gens paient bash en frais et gagnent des intérêts à la place. Si vous payez 00-00$/an en frais, vous avez probablement de meilleures options.
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Sources & References
High-Yield Savings Account Rates (2024)
Top online savings accounts offer 4.0-5.0% APY with no monthly fees or minimum balances. Traditional brick-and-mortar banks typically offer 0.01-0.50% on savings accounts.
Opportunity Cost of Idle Cash
Money in 0% checking accounts has an opportunity cost. $5,000 in 0% checking versus 4.5% savings costs $225/year. Even $1,000 costs $45/year. Move excess checking funds to savings.
FDIC Insurance Limits
FDIC insures up to $250,000 per depositor, per bank, per ownership category. If you have more than $250,000 in savings, spread across multiple banks or use different ownership categories (individual, joint, IRA).