Advertiser and Editorial Disclosures

Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all account options available. *APY (Annual Percentage Yield).
Rates / Annual Percentage Yield terms are current as of the date indicated. Rates are subject to change without notice and may not be the same at all branches. These quotes are from banks, credit unions, and thrifts, some of which have paid for a link to their website. Bank, thrift, and credit unions are member FDIC or NCUA. Contact the financial institution for the terms and conditions that may apply to you.

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are the author’s alone, not those of the bank advertiser, and have not been reviewed, approved, or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

Articles by Thomas (TJ) Porter

TJ Porter has in-depth experience in reviewing financial products such as savings accounts, credit cards, and brokerages, writing how-tos, and answering financial questions. He has also contributed to publications and companies such as Investment Zen and Echo Fox. He aims to provide actionable advice that can help readers better their financial lives. Education: B.S. in Business Administration, Concentration in Information Systems from Northeastern University.

Can You Use a Money Market Account for an Emergency Fund? Photo of Thomas (TJ) Porter Thomas (TJ) Porter Can You Use a Money Market Account for an Emergency Fund? A money market account is a special type of bank account that combines the... What to Do When You Earn Too Much to Contribute to an IRA Find out what options are available to serve your retirement savings needs when you have high enough income to exceed contribution limits on IRAs. How Immigrants Can Open a Bank Account Without a Social Security Number As an immigrant without the traditional methods of providing a tax ID, learn how you can still open a bank account to help manage your finances in the U.S. 4 Savings Strategies for People with Low Income Photo of Thomas (TJ) Porter Thomas (TJ) Porter 4 Savings Strategies for People with Low Income Saving is difficult for many people in America. Still, having some money in a... How to Set Up a Wedding Savings Account Photo of Thomas (TJ) Porter Thomas (TJ) Porter How to Set Up a Wedding Savings Account Weddings are expensive -- costly enough to put newlyweds deep in debt. That is... How Much to Save Up Before Moving Out On Your Own As someone who wants to move out of the parents‘ house, find out exactly how much savings you should have before hitting this key life milestone. Should You Always Switch Banks in the Best Savings Rates? Find out whether it is smart to always to moving your money between banks just so that you could earn the best of the best savings rates at this very moment. The Best Ways to Gift Money Instead of Presents During the Holiday Season Photo of Thomas (TJ) Porter Thomas (TJ) Porter The Best Ways to Gift Money Instead of Presents During the Holiday Season You know that it's time to think about holiday gift shopping. Buying a gift for... Overcontributed to a 401(k) or IRA? Here’s How to Fix It Photo of Thomas (TJ) Porter Thomas (TJ) Porter Overcontributed to a 401(k) or IRA? Here’s How to Fix It Pushing the limits on your retirement savings isn't a bad problem to... What is a Minimum Balance Requirement for Checking & Savings? Learn what is a minimum balance requirement when it comes to avoid monthly fees on bank accounts, especially checking and savings accounts.