Bestmoney Staff

SoFi processes domestic transfers through SoFi Checking & Savings (SoFi Bank, N.A.). Supported transfer types include external ACH bank transfers, domestic wire transfers, and peer‑to‑peer (P2P) payments via Zelle® and Pay‑a‑Friend. As of this check, international transfers are not yet available; SoFi has publicly announced an in‑app international transfer service targeted later in 2025, with a waitlist open.

Peak Bank, the digital division of Idaho First Bank (established in 2005), offers a high-yield savings account tailored for online users. Its Envision High-Yield Savings account delivers a standout APY of up to 4.20%, zero monthly fees, and a low $100 minimum opening deposit. It’s designed for digital-first savers seeking top returns without the need for physical branch access.

There’s no getting around it: everything costs more these days. From groceries to gas to the latest must-have item, it sometimes feels like as soon as you step out the front door, someone’s already trying to take a bite out of your hard-earned cash.

Fidelity Brokers offers a low-cost, feature-rich investment platform suitable for both beginner and advanced investors. With commission-free trades*, robust research tools, and a variety of investment options**, it serves a wide user base. Its avoidance of payment for order flow and competitive robo-advisor services set it apart.

Quorum Federal Credit Union offers a digital-first banking experience with strong online and mobile services. With no physical branches, it emphasizes digital tools, competitive savings rates, a broad ATM network, early direct deposit, and robust mobile banking—all backed by credit union trust. Low fees, strong security, and customer-centric features make it a compelling choice for individuals and families seeking flexible, modern banking.

Fidelity offers a wide variety of IRA options with no account minimums, robust tax-advantaged features, and seamless integration with its broader retirement planning tools. Its flexibility, low costs, and in-depth retirement education resources make it a strong choice for savers and investors focused on long-term retirement planning.

Auto Approve helps borrowers refinance their auto loans to get lower monthly payments and/or pay off their debt more quickly.

Synchrony Bank is an online platform for high-yield savings accounts, CDs, IRA CDs, and credit cards. It offers some of the best APYs. Any American aged 18+ can open a Synchrony savings account or CD online with photo ID, a Social Security number, and a few other basic financial details.

Use our savings calculator to plan your financial goals. Calculate how your savings could grow with different deposit amounts, interest rates and time periods.

Axos ONE®, a division of Axos Bank, offers comprehensive digital banking services with competitive interest rates. Offering $0 monthly maintenance fees on most accounts, Axos ONE® combines cost efficiency with a full suite of financial tools. The platform’s robust digital experience supports various account management features and is known for its customer-focused approach.

Axos ONE®, a division of Axos Bank, offers comprehensive digital banking services with competitive interest rates. Offering $0 monthly maintenance fees on most accounts, Axos ONE® combines cost efficiency with a full suite of financial tools. The platform’s robust digital experience supports various account management features and is known for its customer-focused approach.

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).

In a world where money seems to slip through your fingers, technology offers a helping hand. You’re likely aware that saving money requires discipline, but modern apps can transform this challenge into an almost effortless process

Carrying $5,000 in credit card debt at 18% interest costs you $900 annually in interest alone. But what if you could reduce that cost to zero?

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.

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

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.

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