Whether you are hesitant to invest or prefer an easily accessible place for your money, you might be keeping much or all of your cash in a bank account.
While this seems like the safest option, it can also make you miss out on building wealth. After all, the national average return on bank deposits ranged from just 0.07% for interest-checking and 0.39% for savings accounts in December 2025, per the Federal Deposit Insurance Corporation.
