Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

E*TRADE offers a federally insured savings account with a good rate and no monthly fee. The institution — part of the Morgan Stanley Private Bank brand — also has a mobile app that lets customers ...

Checking accounts are an everyday financial tool for millions of people, but maintaining one can be expensive. Major banks often charge account maintenance fees that can cost you up to $35 per month.