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 over the last 12 months — 1 in all, peaking in Jan 2026 with 1.

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NerdWallet's Smart Money Podcast · Banking in 2026: Best Banks to Consider and How to Avoid the Worst Fees · 19 Jan 2026 podcast

I'm really hoping that continues because there are still some banks out there that have extremely high fees, like $30 or more per overdraft.

But quite a few banks have brought their fees down, or they've made it so that their customers can overdraft up to a certain amount, like $50, without being hit with a fee.

So that's been a really promising change, especially since overdraft fees can be really stressful for a lot of people.

Yeah, I would just tell people that you don't have to settle.

There are so many great banks out there that don't charge monthly fees and that have flexible overdraft programs.

Also, even though interest rates are starting to go down a little bit, you can still try to put your savings into a high yield account so that it can earn as much as possible.

High yield savings accounts, even if they are dropping slightly, they are still earning about 10 times the national average interest rate.

So they're definitely worth putting your money into.

Yeah, I think online banks are here to stay.

People like the convenience of being able to bank from anywhere.

And I think that online banks have also gotten a lot better at making sure they offer comparable customer service to a brick and mortar bank.

And of course, online banks do tend to have some of the best interest rates.

So that's always appealing.

So I think this has been a trend for a while, but it's just been kind of ramped up.

Personalization and AI integration seem to be a couple of big focuses for banks this year.

And I think there's also been a greater emphasis on fraud protection.

AI has made it easier to commit fraud, unfortunately, a lot more people, especially for more vulnerable populations.

And I think that's just part of the incremental improvements that are happening all the time in digital banking.

That's so true.

And yeah, that's actually something that I encourage people to do is open multiple accounts at different banks.

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