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.

Did you know that banks can charge a monthly maintenance fee simply for keeping your checking account open? Monthly maintenance fees averaged a record $13.95 in January 2026, according to a 2026 ...

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