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Kristin Marino is a seasoned voice in the finance and education sectors, with rich experience spanning decades as a writer and editor. Kristin has lent her editorial financial expertise to platforms like MoneyRates, The Balance, and MoneyGeek. With a keen ability to distill complex financial concepts into accessible insights, she remains dedicated to guiding readers toward informed financial choices.

Recent Articles By Kristin Marino

Capital One Proposes a Merger with Discover: How Could It Affect Banking Consumers?

Kristin Marino
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The fourth-largest credit card company in the U.S. may be poised to get bigger. In a stock-only deal worth an estimated $35 billion, Capital One plans to acquire Discover® Financial Services, the sixth-largest credit card company in the U.S., providing the plan passes regulatory and shareholder muster. If all goes as planned, the acquisition will be completed… Continue reading Capital One Proposes a Merger with Discover: How Could It Affect Banking Consumers?

Find the Best Standard Checking Accounts: A Comprehensive Guide

Kristin Marino
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Understanding standard checking accounts is essential for effective financial management. From basic functions to account opening procedures and post-opening strategies, this comprehensive guide covers everything you need to know to navigate standard checking accounts confidently. What Is a Standard Checking Account? A standard checking account offers fundamental banking services without the added features of premium… Continue reading Find the Best Standard Checking Accounts: A Comprehensive Guide

The Best Savings Accounts in Idaho in 2024

Kristin Marino
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Idahoans don’t have the same number of banking choices as residents of larger states such as California and Texas, but that doesn’t mean they can’t still get a great savings rate. According to the FDIC, the state is home to 11 banks, and several national banks also have a presence in Idaho. However, residents’ choices… Continue reading The Best Savings Accounts in Idaho in 2024

The Best Checking Accounts in Texas for 2024

Kristin Marino
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Checking accounts in Texas might be offered through local or online banks. Some Texans prefer local banks that provide strong in-person assistance, while others prefer online banks that offer round-the-clock customer service via phone, chat, or email. Choosing the best checking account means looking at the various options and deciding what best suits your needs.… Continue reading The Best Checking Accounts in Texas for 2024

2024 Excellence in Banking Awards: Top Performers and Innovators 

Kristin Marino
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The landscape for savings, certificates of deposit, and money market accounts has transformed significantly in recent years. While the returns on these deposit accounts were once minimal, the situation has evolved positively over the past 1-2 years. We are experiencing some of the highest interest rates for these accounts in over a decade, presenting a… Continue reading 2024 Excellence in Banking Awards: Top Performers and Innovators 

America’s Best Rates Awards 2024

Kristin Marino
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You deserve to have your money work for you. That’s why MoneyRatespiled and analyzed rates at hundreds of banks and credit unions to find the best interest rates available on several of the most popular banking products as of January 2024. Rates can change at any time, so it’s always best to check directly with… Continue reading America’s Best Rates Awards 2024

2024 Guide to Back to School Finances for College Students

Kristin Marino
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Data published by the National Association of Student Financial Aid Administrators found that only 40% and 45% of newly enrolled four-year and two-year institution students, respectively, had participated in any type of personal finance course. David Sacco, practitioner in residence at the University of New Haven’s Pompea College of Business, describes the scarcity of personal… Continue reading 2024 Guide to Back to School Finances for College Students

America’s Best Savings and Deposit Rates for 2024

Kristin Marino
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Looking to earn more on your savings? See which banks pay considerably more interest.

Editorial Policy and Assessment Methodologies

Kristin Marino
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MoneyRates.com features product rankings in order to help consumers decide which products fit their needs. All of our rankings are based on extensive research and analysis by our MoneyRates team; they are independent of any relationships we have with advertisers.

How A Split Credit Report Can Hurt Your Score

Kristin Marino
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Most consumers know that credit reports can contain errors, but among the most common problems are split reports with information on more than person.