Bestmoney Staff

Running a small business can be one of the most rewarding things in the world. But when money gets tight, it can also be one of the most stressful.

Teaching children financial literacy through digital money management apps has become essential in 2025, with over 73% of parents using fintech tools to educate kids about money (JumpStart Coalition for Personal Financial Literacy).

Upstart Mortgage offers a streamlined, AI-driven approach to Home Equity Lines of Credit (HELOCs), allowing homeowners to access funds ranging from $26,000 to $250,000 without the need for appraisals. With fixed-rate draws and a user-friendly online application, it's designed for those seeking efficient and transparent financing options.

AI chatbots are increasingly common in personal finance, offering instant responses to banking questions and automated financial insights.

Founded in 2020 by former Zillow execs, Tomo is a mortgage lender that aims to simplify the homebuying journey. It specializes in purchase loans, offering multiple types of loans on fixed and adjustable‑rate terms. Notable features include a price‑match guarantee on competitor offers, low rates, an appraisal guarantee, and a digital-first approach.

Only 57% of U.S. adults are financially literate according to the S&P Global FinLit Survey, and average working-knowledge scores have hovered around 48% correct on the P-Fin Index for years. That's why game-based learning matters: it turns abstract money ideas into memorable, low-risk practice.

Managing money shouldn't feel like solving a complex puzzle. Yet 64% of Americans live paycheck to paycheck, often because they lack visibility into where their money actually goes.

SoFi is a digital-first financial institution offering a variety of mortgage services tailored to meet diverse needs. With its streamlined online platform, SoFi specializes in home purchase loans, refinancing, and home equity products. Its competitive loan terms, easy application process, and exclusive member benefits make it an appealing option for both first-time and seasoned borrowers.

Lemonade says they are the fastest claims payment, and considering they offer hassle-free digital pet insurance run by AI, we agree. Lemonade helps cover the costs of treatments your pets need for accidents and illnesses and is actually affordable.

Credit cards give you access to borrowed funds beyond the cash you have on hand, giving you flexibility when it comes to making purchases.

Capital One is a large bank specializing in checking accounts, savings and investment products, credit cards, and auto loans. Founded as a brick-and-mortar institution in 1988, it now offers most of its regular banking services online. In addition to bank accounts and lending products, it also offers a suite of financial tools to help customers track their credit score and achieve savings goals.

Alliant Credit Union, founded in 1935, offers a High-Rate Checking account with 0.25% APY, no monthly fees, and access to 80,000+ ATMs. With strong digital banking tools and fraud protections, it appeals to users seeking a no-fuss, online-first account.

Artificial intelligence is changing how car insurance is priced — and depending on how you drive, shop, and even browse online, it could cost you.

AARP by Barclays offers a high-yield online savings account tailored to AARP members. With no monthly fees, no minimum balance, a consistently high APY, and a $200 bonus for qualifying deposits, this FDIC-insured savings account suits older savers looking for secure and efficient digital banking.

Believe Bank, a division of Regent Bank, offers a High-Yield Savings Account with a competitive APY and a unique charitable giving feature. With no monthly fees and a minimum deposit of $100, it's designed for savers who want their money to grow while supporting causes they care about.

Marcus is an online bank from Goldman Sachs, one of the biggest names in financial services. Marcus by Goldman Sachs specializes in 2 things: high-yield savings products and CDs, and personal loans. It doesn’t offer checking accounts or any day-to-day banking services such as debit cards or wire transfers.

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Whether it’s grocery shopping, getting a mortgage, or managing your money—doing things online is more convenient. Most major banks let you do some things with online banking or even mobile banking, but they generally still require you to turn up in person to open an account.

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