Group 1 - The article emphasizes the importance of maximizing the relationship with banks to build and protect wealth [2] - Financial technology companies (fintechs) are gaining popularity due to their ease of use and special perks, but there are risks associated with them [3][4] - Maintaining funds below the FDIC insurance limit of $250,000 is crucial for protecting deposits, as excess funds are not insured [5] Group 2 - Spreading funds across multiple banks can provide access to various benefits, such as fee-free checking accounts and competitive interest rates [6][7] - Some banks offer wealth management services that assist in retirement planning, investment strategies, and tax minimization, although eligibility may depend on net worth or investable assets [8]