Chanelle Bessette
speaker
101 appearances
1 recordings
1 series
first heard Jan 2026
last heard 19 Jan
Chanelle Bessette’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jan 2026 with 1.
Appearances
So interest rates in general have been steadily dropping over the past few months after the Fed started to lower its benchmark rate.
So that's great if you're trying to buy a house or a car, because that means you can potentially get a cheaper mortgage or a more affordable auto loan.
But for banking, it means that you're earning less money on your savings.
So after some higher interest rates for the past couple of years, consumer banking is definitely ebbing a little bit.
Yeah, that's always a good call.
Even if you're happy with your bank, I think that shopping around is always a good idea because you can see what's out there.
There's new offers coming out all the time, new interest rates, new bonuses.
So, yeah, I'd highly recommend at least doing a kind of evaluation of what you currently have and what you could be getting.
ATM fees are certainly high, but there are actually quite a few banks that are finding ways to help their customers avoid them.
The bank might decide to become part of a free nationwide ATM network like Allpoint or MoneyPass, or they might provide monthly reimbursements for ATM fees.
That's becoming a lot more common.
Reimbursements are usually between $10 to $15 a month, depending on the bank.
But I know of at least a couple of banks that have unlimited fee reimbursements, which is pretty cool.
And then beyond ATM fees, we're also seeing some interesting trends for overdraft fees.
So for a moment there, it looked like the U.S.
government was going to create a cap on how much banks would be allowed to charge for overdrafts.
But that fell through with the new administration, unfortunately.
Even so, quite a few banks are taking it upon themselves to offer much more flexible and forgiving overdraft policies.
You know, it's really hard to know what the year will bring.
From my own perspective as a banking nerd, I've noticed a very slow decline in the average overdraft fees that banks charge over the past couple of years.
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