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

And SoFi does offer very different categories of services.

And so their banking is probably quite separate from their student loans and personal loans and the way they operate as a business as well, because apparently the stock market is going bananas for SoFi stock right now.

So it really just kind of depends on what you're looking for.

So the two things that I would say people should absolutely always look for are high interest rates and no fees.

You're literally leaving money on the table if you're getting a low rate or if you're paying a monthly maintenance fee.

Beyond that, I would say to look for things that suit your life.

For example, if you're a bartender who makes lots of cash tips, maybe you want to choose a bank that has lots of ATMs in your area where you can deposit that cash into your account.

Or maybe you're renting and you have a landlord who prefers checks for the monthly rent.

Maybe you could choose a bank that does free bill pay where they send a check on your behalf.

There's lots of great little services like that that people could use very readily if they take the time to look for them.

Besides high rates and no fees, which are still like the gold standard that I always look for, I really like that my bank does two day early direct deposit, which means that I get my paycheck slightly earlier than I otherwise would.

It's a pretty common feature these days, but it's not a given.

We actually have a roundup on NerdWallet of all the banks that we've found that offer early direct deposit.

So folks should definitely check that out if they're interested.

My bank also allows me to give nicknames to my accounts and create buckets for different goals within my savings.

So I really like those fun little features.

I mean, they're not necessary, but I think that they help my management of my money in some small way.

Well, besides our eternal advice, it's always in style, which is to make sure you're saving up for an emergency fund, I would also say that you should really try to be intentional about where you keep your money.

Also, your money should be earning you more money.

Spend a little time doing some comparison shopping for bank accounts and different interest rates, and you might be really surprised to see what's out there and how much more you could be earning.

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