This article was first published on NerdWallet.com. Dipping into your savings is like fast food: It’s convenient and tempting, and it might leave you a little queasy the next morning. Doing so can also eat into your financial goals, whether that’s a big trip abroad or a simple emergency fund. You can, however, avoid scratching that spending itch with these tools, which can help keep your savings intact. 1. Certificates of deposit Certificates of deposit typically provide a better return than...

This article was first published on NerdWallet.com. BRAVE NEW BANK This NerdWallet series delves into what’s new in retail banking and what’s in it for you. We explore some of the surprising things in store for products, tech and security and look at how they’ll affect consumers. In 1960, Life magazine described a new Wells Fargo branch in San Francisco as having “such striking architecture that it is now a local tourist attraction.” It was one of many “glass-and-metal palaces” that...

Just as you wouldn’t send your kids to school without the right supplies, you wouldn’t expect them to learn about smart savings strategies without a few helpful tools. Enter savings accounts. Although they might seem like mere parking spots for money, joint savings accounts for children can teach them about interest, fees and other important banking concepts. The joint ownership means parents manage the cash in that account until the child turns 18. The first step, though, is finding a good...

In 1960, Life magazine described a new Wells Fargo branch in San Francisco as having “such striking architecture that it is now a local tourist attraction.” It was one of many “glass-and-metal palaces” that transformed the public’s perception of banks “from solemn financial cathedral into joyous playroom,” complete with 4% interest rates and prizes for new customers. Fast-forward half a century and a different kind of banking evolution is underway. Traditional brick-and-mortar institutions...

Buzz60 Just as you wouldn’t send your kids to school without the right supplies, you wouldn’t expect them to learn about smart savings strategies without a few helpful tools. Enter savings accounts. Although they might seem like mere parking spots for money, joint savings accounts for children can teach them about interest, fees and other important banking concepts. The joint ownership means parents manage the cash in that account until the child turns 18. The first step, though, is finding a...