17 Best Bank Promotions, Bonuses and Offers of November 2022

Opening a new bank account will not hurt your credit score and it could get you up to $500 in bonus cash.

Reviewed by Molly Moorhead, CFP®
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

So, you’re looking for a new bank account.

You’ve got several factors to consider — ATM access, interest rates, monthly account fees, minimum balances, online bill payments and more.

Another factor: sign-up promotions and bonuses. Banks and credit unions frequently run promotions to entice prospective customers to open a new account — and they often come with cash. You have to meet specific criteria, such as making a minimum opening deposit, and generally the account must remain open for a certain amount of time — at least long enough to earn the cash bonus.

Many banks offer such sign-up bonuses, but often, they aren’t advertised. We did some digging to find the best bank promotions currently on offer.

Best Checking and Savings Account Offers of November 2022

Keep an eye on what each promotion requires, as well as any limitations. Recurring direct deposits and maintaining a minimum balance are common requirements in securing bank bonuses. Also pay attention to any monthly fees the account might carry; over time, these could weigh out the actual cash bonus.

Bank Promotions That Give You Cash


Bank Promo Payoffs Up to $400

Bank Top Feature Promotion

Chase Total Checking Account

Fees may be waived

$200

Chime Referral Bonus

No monthly fees

$100

Alliant Credit Union Ultimate Opportunity Savings

High yields

$100

Huntington Perks Checking

Quick cash bonus payout

$200

Huntington Platinum Perks Checking Account

Interest on checking

$300

Albert

Up to 20% cash back

$150

TD Convenience Checking

Basic checking account

$200 or $4000

TD Beyond Checking

Free checks

$300 or $500

Discover Bank Online Savings

HIgh APY

$150 or $200

M&T Bank EZChoice Checking Account

No monthly fees

$200

M&T Bank MyChoice Plus Checking Account

Discounted loan rates

$200

M&T Bank MyChoice Premium Checking Account

Premium CD rates

$200

Bank of America Advantage Banking

Fees can be waived

$100

SoFi Checking and Savings

High APY

Up to $250

BMO Harris Smart Advantage Account

No fee for paperless

$200

BMO Harris Smart Money Account

No overdraft fees

$200

BMO Harris Premier Account

Unlimited ATM use

$350

Chase Total Checking

Best for Basic Checking

5 out of 5 Overall

Key Features
  • $12 monthly fee
  • Fee waived by meeting conditions
  • Basic checking
The Total Checking $12 monthly fee can be waived if you receive monthly direct deposits totaling $500 or more, keep a daily minimum balance of at least $1,500 in your new checking account, or keep a daily minimum balance across all your Chase accounts of at least $5,000. Deposits via person-to-person payments do not qualify. Access to 16,000 fee-free ATMs and more than 4,700 branches. The non-Chase ATM fee is $3 in the U.S., Puerto Rico and U.S. Virgin Islands and $5 outside of those locations.
Chase Total Checking Account

Bonus amount
$200
How to get it
Receive a qualifying direct deposit within 90 days of account opening.
When you get it
Within 15 days of meeting requirements
More information
$12 monthly fee, which can be waived.
Expiration
Jan. 25, 2023

More Information About Chase Total Checking Account

The Total Checking account carries a $12 monthly service fee, but you can have it waived if you receive monthly direct deposits totaling $500 or more, keep a daily minimum balance of at least $1,500 in your new checking account, or keep a daily minimum balance across all your Chase bank accounts of at least $5,000. Direct deposit via person-to-person payment apps do not qualify. Chase offers access to 16,000 ATMs and more than 4,700 branches.

TD Bank Convenience Checking

Best for Young Customers

3.5 out of 5 Overall

Key Features
  • Easy to waive monthly fee
  • Easy-to-use mobile app
  • No overdraft fees for 17 to 23 year olds
TD Convenience Checking is not a glamorous checking account. It doesn’t earn interest, and there aren’t any cash back rewards. However, it’s easy to waive the $15 monthly maintenance fee: Just maintain a $100 minimum balance. Customers who are 17 to 23 years of age automatically have the fee waived and also don’t have to pay fees for overdrafts. New customers earn $200 by receiving $500 in qualifying direct deposits within 60 days; earn additional $200 when you open a linked savings account (Beyond Savings or Simple Savings) and deposit $10,000+ in the first 20 days.
TD Bank Convenience Checking Account

Bonus amount
$200 or $400
How to get it
Meet direct deposit qualifications ($500 within 60 days) to earn $200; add savings account for additional $200
When you get it
No later than 180 days after account opening.
More information
For savings bonus, you must maintain a daily balance of $10,000+ for 90 days.
Expiration
Oct. 31, 2023

More Information about TD Bank Convenience Checking

The TD Convenience Checking account is a great account for first-time banking customers. There are no monthly fees or overdraft fees for members who are 17 to 23. However, you cannot earn interest on this account. If you are over 23, there is a $15 fee, which you can waive by maintaining a $100 daily balance.

TD Bank Beyond Checking

Best for Overdrafters

3.5 out of 5 Overall

Key Features
  • Two overdraft fee forgivenesses
  • Free checks
  • Fee reimbursement for out-of-network ATMs
TD Beyond Checking offers more perks than the Convenience Checking, including two fee-free overdrafts per year, out-of-network ATM fee reimbursements, and free checks. The account does earn interest, but the monthly fee is higher ($25) and harder to waive. Bonus terms for the TD Beyond Checking are similar; coupled with the savings promotion, you could earn $500.
TD Bank Beyond Checking Account

Bonus amount
$300 or $500
How to get it
Meet direct deposit qualifications ($2,500/60 days) to earn $300; add a savings account for additional $200.
When you get it
Within 180 days of opening.
More information
For savings bonus, you must maintain a daily balance of $10,000+ for 90 days.
Expiration
Oct. 31, 2023

More Information About TD Bank Beyond Checking

The TD Beyond Checking account is great for unique perks, like free checks, ATM fee reimbursement, and overdraft fee coverage (two a year). To waive the monthly $25 fee, you’ll need to earn $5,000 in direct deposits each month, maintain a $2,500 minimum balance in the checking account or maintain a $25,000 balance across all TD accounts.

Chime Referral Bonus

Best for Referral Bonus

4.5 out of 5 Overall

Key Features
  • Must be current Chime account holder
  • No minimum daily balance
  • Good for first-time banking clients
If you refer a friend and they open a new account and receive a direct deposit of at least $200 in the first 45 days, you will each receive $75. Make sure to use the referral link from your account to get the cash bonus. Chime is great for beginners, offering fee-free overdraft, automatic savings account, early paycheck deposit and 60,000+ fee-free ATMs. Referral bonuses are capped at $1,000 each calendar year.
Chime Referral Bonus Account

Bonus amount
$100 per referral, plus $100 to the friend you refer
How to get it
Referred friend receives $200 direct deposit.
When you get it
Within two business days of account opening.
More information
Be sure to use a unique referral link from your own account.
Expiration
None

More Information About Chime Referral Bonus Account

Though not technically a bank*, Chime is becoming increasingly popular as an online financial institution for banking customers of all ages. Top features include early access to direct deposit, fee-free overdraft, 60,000+ ATMs, a 2.00% APY for the high-yield savings and plenty of features to automatically grow your savings.

Alliant Ultimate Opportunity Savings

Best for Fans of Suze Orman

4.5 out of 5 Overall

Key Features
  • $0 monthly fees with eStatements
  • High-yield savings account
  • Easy-to-track bonus criteria
Not only does Alliant Credit Union’s Ultimate Opportunity Savings Account (in partnership with Suze Orman) have one of the best APYs currently available (2.35%), it pays out its bonus pretty easily. No massive balances or monthly direct deposits to think about.
Alliant Opportunity Savings

Bonus amount
$100
How to get it
Deposit at least $100 a month for 12 months.
When you get it
Within four weeks of completion.
More information
Balance must be $1,200 at the end of 12 months.
Expiration
December 31, 2022

More About Alliant Ultimate Opportunity Savings Account

The Ultimate Opportunity Savings Account from Alliant Credit Union has a lot to like: 80,000+ fee-free ATMs, no monthly fees if you opt in to online statements, a leading mobile app, and a strong APY at 2.35%.

Discover Bank Online Savings

Best for Big Savers

4 out of 5 Overall

Key Features
  • High-yield savings account (2.35% APY)
  • No monthly fees or minimum opening deposit
  • No insufficient funds fees
Discover Bank’s Online Savings Account offers one of the highest APYs on our list. You can also pair the account with the Discover Bank Cashback Debit account (one of the best online checking accounts of 2022). However, the deposit amounts to earn the bonus are quite high, making the bonus offer far less achievable for most.
Discover Bank Online Savings Account

Bonus amount
$150 or $200
How to get it
Open an account using code GGBP922 and deposit at least $15,000 for $150 or $25,000 or $200 within 30 days
When you get it
Within 30 days of meeting bonus criteria
More information
Must be a first-time Discover savings account customer; current and prior customers are not eligible.
Expiration
December 15, 2022

More Information About Discover Bank Online Savings Account

The Discover Bank Online Savings Account offers a competitive APY (2.15%) with interest compounded daily instead of monthly. There’s no monthly fee with Discover, no minimum deposit and no insufficient funds fee. All in all, not a bad offer.

Huntington Perks Checking

Best Regional Bonus

4 out of 5 Overall

Key Features
  • Easily waivable monthly fee
  • Only available in certain states
  • Quick cash bonus payout
This offer is only available to customers who live in CO, IL, IN, KY, MI, MN, OH, PA, SD, WV or WY. The Huntington Perks Checking account earns interest (but only 0.02%) and charges a $10 monthly fee. That fee is easy to waive, however, as long as you receive $1,000 in monthly deposits or maintain $5,000 total across all your Huntington accounts.
Huntington Perks Checking

Bonus amount
$200
How to get it
Open a new account and make cumulative new deposits totaling $1,000 within the first 60 days.
When you get it
Within 14 days of meeting bonus criteria.
More information
Account must remain open for at least 90 days.
Expiration
Feb. 7, 2023

More Information About Huntington Perks

Huntington’s Perks Checking account pays out nominal interest (0.02%), but the easily waivable monthly maintenance fee makes it appealing for an easy checking account. Key features include mobile banking, five fee-free out-of-network ATM withdrawals, the No Overdraft Fee $50 Safety Zone and the 24-Hour Grace Overdraft and Return Fee Relief.

“New account” is defined as money not currently in another Huntington account; money transferred from one account to another does not qualify. The bonus offer cannot be combined with any other checking offer.

Huntington Platinum Perks Checking

Best for Quick Bonus Payout

4 out of 5 Overall

Key Features
  • $25 monthly fee (can be waived)
  • Interest-earning checking
  • Quick cash bonus payout
This offer is only available to customers who live in CO, IL, IN, KY, MI, MN, OH, PA, SD, WV or WY. This account earns interest (currently a 0.03% APY, which is quite low). It also has a monthly maintenance fee of $25, which is waived if you have at least $25,000 across every Huntington bank account.
Huntington Platinum Perks Checking

Bonus amount
$300
How to get it
Open a new account and make deposits totaling $25,000 within the first 60 days.
When you get it
Within 14 days of meeting bonus criteria.
More information
Account must remain open for at least 90 days.
Expiration
Feb. 7, 2023

More Information About Huntington Platinum Perks Checking

While the Huntington Platinum Perks account does have a monthly $25 fee, you can waive it by having $25,000 across accounts with Huntington. By upgrading to this account, you’ll get a higher bonus, get unlimited fee-free ATM withdrawals and earn 0.03% interest on your balance.

“New account” is defined as money not currently in another Huntington account; money transferred from one account to another does not qualify. The bonus offer cannot be combined with any other checking offer.

Albert Accounts

Best for Cash Back

4.5 out of 5 Overall

Key Features
  • Up to 20% cash back
  • Geniuses for personal finance questions
  • No fees or investment commissions
Albert is an all-purpose personal finance app that lets you spend, save and invest your money. There are no monthly maintenance fees, no minimum balances and no commissions (if you choose to invest). While you won’t earn a traditional APY, Albert gives users a 0.10% annual cash bonus on funds in savings, plus up to 20% cash back. New members are eligible for a $150 bonus.
Albert Accounts

Bonus
$150
How you get it
Receive a qualifying direct deposit of at least $500 within 45 days and then every 30 days for 90 days
When you get it
Upon meeting requirements over a 90-day period
More information
Must be new to Albert
Expiration
None

More Information About Albert Accounts

Members of Albert don’t have to worry about monthly fees or minimum balances, and they can take advantage of several cool features, like 55,000 fee-free ATMs, early paycheck access, cashback rewards, Smart Savings (automatically analyzes your money and helps you to save), unlimited transfers, annual cash bonuses, the ability to invest, and a cash advance up to $250 (no interest, no credit check) instead of overdraft fees. Perhaps the coolest part is daily access to finance experts called Geniuses; pay what you think is fair for their advice. Just keep in mind that Albert is not a bank but an app (banking services are provided by Sutton Bank, Member FDIC).

M&T Bank EZChoice Checking

Best for Beginners

3.5 out of 5 Overall

Key Features
  • No monthly maintenance fees
  • Unlimited check writing
  • Physical branches
The EZChoice Checking account from M&T Bank is the most basic package offered. It’s great for beginners because it has no monthly maintenance charge and no monthly minimum balance requirement. Plus, there’s unlimited check writing. You will need $25 to open the account and have qualifying direct deposits totaling at least $500 within the first 90 days to earn the bonus. This offer is only valid in select states.
M&T Bank EZChoice Checking

Bonus Amount
$200
How you get it
Make qualifying direct deposits totaling at least $500 within 90 days of opening the account.
Whey you get it
Within 90 days after the direct deposit.
The fine print
There’s a $50 early close-out fee if you close the account within 180 days of opening.
Expiration
January 31, 2023

More Information About M&T Bank EZChoice Checking

M&T Bank has 700 branches and 1,800 ATMs with operations in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virgina, West Virginia, Vermont, Massachusetts and Washington, DC, but you can also do your banking entirely online.

M&T Bank MyChoice Plus Checking

Best for Loan Seekers

Key Features
  • Discounted loan rates
  • ATM fee reimbursement
  • Interest-bearing options
The MyChoice Plus Checking account from M&T Bank requires extra work to avoid a monthly fee ($14.95): Either maintain an average daily balance of $2,500 or receive $1,500 in direct deposits each month. With this account, you qualify for discounted loan rates with M&T. You will need $25 to open the account and have qualifying direct deposits totaling at least $500 within the first 90 days to earn the bonus. This offer is only valid in select states.
M&T Bank MyChoice Plus Checking

Bonus
$200
How you get it
Make qualifying direct deposits totaling at least $500 within 90 days of opening the account.
When you get it
Within 90 days after the direct deposit.
The fine print
There’s a $50 early close-out fee if you close the account within 180 days of opening.
Expiration
January 31, 2023

More Information About M&T Bank MyChoice Plus Checking Account

M&T Bank has 700 branches and 1,800 ATMs with operations in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virgina, West Virginia, Vermont, Massachusetts and Washington, DC, but you can also do your banking entirely online.

M&T Bank MyChoice Premium Checking

Best for CD Rates

3 out of 5 Overall

Key Features
  • Discounted loan and premium CD rates
  • ATM fee reimbursement
  • Interest-bearing checking
The MyChoice Plus Checking account from M&T Bank requires extra work to avoid a monthly fee ($24.95): Either maintain an average daily balance of $7,500 or $25,500 across all M&T accounts. With this account, you qualify for discounted loan rates and premium CD rates with M&T. You will need $25 to open the account and have qualifying direct deposits totaling at least $500 within the first 90 days to earn the bonus. This offer is only valid in select states.
M&T Bank MyChoice Premium Checking

Bonus amount
$250
How to get it
Make qualifying direct deposits totaling at least $500 within 90 days of opening the account.
When you get it
Within 90 days after the direct deposit.
More information
There’s a $50 early close-out fee if you close the account within 180 days of opening.
Expiration
January 31, 2023

More Information About M&T Bank MyChoice Premium Checking

M&T Bank has 700 branches and 1,800 ATMs with operations in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virgina, West Virginia, Vermont, Massachusetts and Washington, DC, but you can also do your banking entirely online.

Bank of America Advantage Banking

Best for Standard Checking

4 out of 5 Overall

Key Features
  • Monthly maintenance fees (very by account)
  • Standard checking accounts
  • Fees can be waived
Open your new checking account online using the promo code DNB100CIS. Qualifying direct deposit must be regular monthly income, such as salary or pension payments. Advantage Banking checking accounts come in three levels: SafeBalance, Plus and Relationship. All three carry monthly maintenance fees that can be waived by meeting direct deposit and minimum balance requirements.
Bank of America Advantage

Bonus amount
$100
How to get it
Receive direct deposits of at least $1,000 within 90 days.
When you get it
Within 60 days of completing requirements.
More information
Monthly fees can be waived
Expiration
December 31, 2022

More Information About Bank of America Advantage

Bank of America’s Advantage account is broken into three tiers: SafeBalance Banking, Plus Banking, and Relationship Banking. SafeBalance boasts no overdraft fees or non-sufficient funds fees; Plus offers multiple ways to waive the monthly service fee; and Relationship earns interest (though the percentage is quite low).

SoFi Checking and Savings Account

Best for High APY

5 out of 5 Overall

Key Features
  • 2.50% APY
  • Fee-free overdraft coverage
  • Early access to paycheck
The SoFi bank account currently has the highest APY of any account on our list. Plus, it has one of the highest new customer bank bonus offers: up to $250. Other highlights of this account include early access to your paycheck with direct deposit, no-fee overdraft coverage, automatic saving features and up to 15% cash back when you shop local. Plus, there are no monthly account fees.
SoFi Checking and Savings Account

Bonus amount
Up to $250
How to get it
Earn qualifying direct deposits totaling $5,000+ within 30 days.
When you get it
Within 14 days of the end of the 30-day evaluation period.
More information
Direct deposits totaling $1,000 to $4,999 for $100 bonus; $1,000 to $1,999 for $50 bonus.
Expiration
January 31, 2023

More Information About SoFi Checkings and Savings

SoFi’s online bank account certainly rewards members for spending and saving. The account, which doubles as a checking and savings account, allows you to organize your savings into vaults so you can work toward your goals. You’ll earn up to 2.50% APY on everything in the account when you set up direct deposit.* And when you shop local, you can earn up to 15% cash back. The bonus is tiered; to get the full $250 bonus, make sure your qualifying direct deposits total $5,000 or more.

BMO Harris Smart Advantage Account

Best for Fee-Free ATM Network

4.5 out of 5 Overall

Key Features
  • No monthly fee if you go paperless
  • Standard checking account
  • Fee-free transactions at 40,000+ ATMs
Get a $200 bonus for opening a new BMO Harris Smart Advantage account and earning at least $4,000 in qualifying direct deposits within 90 days. The bank has physical branches in Indiana and you have to live in IL, IN, MN, WI, MO, KS, AZ or FL to take advantage of this account, which grants you unlimited fee-free transactions at over 40,000 Allpoint network ATMs in the U.S.
BMO Harris Smart Advantage Account

Bonus amount
$200
How you get it
Receive direct deposits of at least $4,000 within 90 days.
When you get it
Approximately 100 days after opening.
More information
Monthly fees can be waived with paperless statements.
Expiration
Dec. 30, 2022

More Information About BMO Harris Smart Advantage

Smart Advantage is BMO Harris’ most popular checking account. It requires no minimum balance, charges no monthly fees when you opt for paperless statements and gets you fee-free access to 40,000+ ATMs nationwide with the Allpoint network.

BMO Harris Smart Money Account

Best for No Minimum Balance

4 out of 5 Overall

Key Features
  • No monthly maintenance fees if under 25
  • Standard checking account
  • No overdraft or NSF fees
Get a $200 bonus for opening a new BMO Harris Smart Money account and earning at least $4,000 in qualifying direct deposits within 90 days. The bank has physical branches in Indiana and you have to live in IL, IN, MN, WI, MO, KS, AZ or FL to take advantage of this account, which grants you unlimited fee-free transactions at over 40,000 Allpoint network ATMs in the U.S.
BMO Harris Smart Money Account

Bonus amount
$200
How to get it
Receive direct deposits of at least $4,000 within 90 days.
When you get it
Approximately 100 days after opening.
More information
There is a monthly fee if you’re over 25.
Expiration
Dec. 30, 2022

More Information About BMO Harris Smart Money Account

Like Smart Advantage, BMO Harris’ Smart Money has no minimum balance required. It’s also noteworthy for having no overdraft or NSF fees. With this account, you will get unlimited fee-free transactions at in-network ATMs (40,000+ nationwide). However, you’ll pay a monthly fee if you’re 25 or older.

BMO Harris Premier Account

Best for High Interest Possibility

4 out of 5 Overall

Key Features
  • Interest tied to balance
  • High-yield checking account
  • Unlimited ATM transactions
Get a $350 bonus for opening a BMO Harris Premier account and earning at least $7,500 in qualifying direct deposits within 90 days. You have to live in IL, IN, MN, WI, MO, KS, AZ or FL to take advantage of this account, including its fee-free ATM access. The more you have in the account, the more interest you earn. Monthly maintenance fees can be waived if certain requirements are met.
BMO Harris Premier Account

Bonus amount
$350
How to get it
Receive direct deposits of at least $7,500 within 90 days.
When you get it
Approximately 100 days after opening.
More information
There is a monthly fee.
Expiration
Dec. 30, 2022

More Information About BMO Harris Premier

The highest bonus at BMO Harris comes from the Premier Account with Relationship Packages that reward you with more perks for banking more with BMO. The account earns interest, and the amount you earn increases with the amount of funds in the account. You also get unlimited access to any ATMs, in-network or not.

How to Search for a Checking Account Bonus on Your Own

Instead of listing approximately 193 bank promotions, we kept this list short and sweet — only highlighting the best bank promotions for checking and savings accounts.

But maybe you’re interested in banking with your local credit union, opening a small business checking account or exploring what investment accounts are available. There are often cash bonuses attached to these accounts too.

Banks don’t always make finding these promotions easy, so here are a few tips to help you get your hands on that cash bonus.

  • Check the bank website first. Sometimes it’ll advertise its offers with a blaring promo code. This is rare, but it’s worth a quick check — it could save you a ton of time.
  • Reach out to customer service. Let them know you’re shopping for a new account, and you’d like to know if the bank is running any promotions. More often than not, the nice representative will send you a special link.
  • Google the best bank account bonuses. You’ll likely dig up some offers from third-party sites, so make sure the offer:
    • Hasn’t expired.
    • Is legitimate. Make sure the bank is FDIC-insured and has a positive Better Business Bureau rating. Read some online reviews.
    • Doesn’t require outrageous qualifying activities. For example, it might not be realistic for you to maintain an average daily balance of $50,000.
  • Reach out to your own network to crowdsource bank recommendations. Sometimes banks have impressive referral programs, so both you and your friend could benefit from you signing up.

Overall, be smart. Don’t let the promise of a cash bonus blind you. Read the fine print so you don’t get stuck paying high monthly fees, interest rates or closing penalties. With the proper due diligence, you can earn a checking account bonus — or any other bank promotion — while also choosing the best bank for you.

Will Opening a Bank Account Hurt Your Credit Score?

If you’re worried that opening a new bank account or closing an old one will hurt your credit score, don’t be. Your bank accounts are not included in your credit report and therefore have no effect on your credit score, unless you have an outstanding negative balance that the bank turns over to a collection agency.

Sometimes when you go to open a new account, banks will do a soft credit check. However, that won’t affect your credit score.

Timothy Moore covers bank accounts for The Penny Hoarder from his home base in Cincinnati. He has worked in editing and graphic design for a marketing agency, a global research firm and a major print publication. He covers a variety of other topics, including insurance, taxes, retirement and budgeting and has worked in the field since 2012.

Editorial Disclosure: This content is not provided by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

*Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

¹The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.
2The average national savings account interest rate of 0.06% is determined by FDIC as of November 1, 2021 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.