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.

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Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well ...

Opening a checking account as a student is a great way to learn financial independence, but many banks charge maintenance fees of up to $15 a month if you don't meet certain minimums or other ...