During their recent episode, Taylor, Carlisle, and Tim Melvin discussed Best Small Community Bank Investments Right Now. Here’s an excerpt from the episode:Something about Americans, we love that FDIC insurance, especially small depositors that really don’t maybe not understand the banking system and how it all works. They like the feeling that the government’s going to back them up if things go wrong, and punish the bad guys. I think if you meet them digitally, they’ll stay with you. However, if you cannot ...

Core Insights - Savings accounts are common financial tools that allow individuals to store money securely while earning interest, represented as the annual percentage yield (APY) [2] - Interest earned in savings accounts is considered taxable income, and banks issue a Form 1099-INT for interest earnings of $10 or more [3] - The amount of interest earned on a savings account depends on the interest rate, compounding frequency, and additional contributions [4][5] - Experts recommend keeping three to six months' worth of essential expenses in savings, but the amount can vary based on individual financial situations [6][7] - Savings accounts allow for withdrawals, but banks may impose limits and fees on excessive transactions [8] - The best savings account varies by individual needs, with online banks and credit unions often providing competitive options [9][10] - Multiple savings accounts can help track different savings goals and maximize interest earnings, but they also require more management [11][12] - The 50/20/30 rule is a budgeting strategy that allocates 50% of after-tax income to needs, 30% to wants, and 20% to savings [13] - Savings accounts have routing numbers that identify the bank, and they are typically FDIC-insured up to $250,000 per depositor [15][16]

*APY is based on Level Up tier. Interest is paid in CRO monthly and the value of CRO may change at any time. The Annual Percentage Yield (APY) is accurate as of September 2, 2025 and may change at any time before or after you open an account. Fees may reduce earnings on your account. See [https://t.co/wSSKNtVfrz] for all applicable APY and interest tiers for the USD Cash Earn Account.**https://t.co/hcDm4vdblb is not a bank. Banking services are provided by Green Dot Bank, Member FDIC. Funds in your USD Cash ...

RT Token Terminal 📊 (@tokenterminal)🧠⚖️ How does the GENIUS Act shift the stablecoin outlook?💬 @BrianBrooksUS:▪️ The GENIUS Act establishes a supervisory system for stablecoins that mirrors the supervisory system for national banks, which is critical.▪️ More people haven’t adopted stablecoins largely because they feel safer at a bank -- FDIC insurance signs posted in bank branches let customers know that their cash isn’t at risk even if the bank fails.▪️ Crypto has never felt safe in that way. But the GENIU ...