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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

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

Best 1-Year CD Rates for June 2024

Kristin Marino
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Want to earn more money on your savings? If you don’t expect to need the money for the next year or so, consider a one-year CD as an alternative to a savings account. CDs offer similar safety and stability features to savings accounts but generally have higher rates. They do require that you commit your… Continue reading Best 1-Year CD Rates for June 2024

The First Bank Collapse of 2024: How It Happened and What It Means for You

Kristin Marino
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Federal bank regulators seized Philadelphia-based Republic First Bank on April 26 in the first bank collapse of 2024. It’s not unusual for four or five smaller banks to fold in any given year when the economy is strong, but Republic First Bank’s failure underscores the ongoing vulnerabilities some analysts see within the banking system, particularly among… Continue reading The First Bank Collapse of 2024: How It Happened and What It Means for You

Back-to-School Finance Guide for College Students in 2024

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 Back-to-School Finance Guide for College Students in 2024

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.

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

Best Standard Checking Accounts in 2024

Kristin Marino
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Understanding how a checking account works is essential for managing your finances. A checking account is a primary tool for tracking income, expenses, and cash flow. By comprehending its mechanics, you can avoid unnecessary fees, better budget your finances, and ensure the security of your funds. Knowing how transactions impact the account balance enables efficient… Continue reading Best Standard Checking Accounts in 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 

Checking Account Fee Trend 2024: How to Avoid Higher Bank Fees

Kristin Marino
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The latest MoneyRates.com Checking Account Fee Survey looked at a cross-section of the banking industry and found that checking account fees have gotten more expensive over the past six months — and that these fees are getting harder to avoid.

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.

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