--- title: Financial Tips & Digital Banking Insight | mph.bank | mph.bank (2) description: Don't sweat the tough financial questions, we've got you covered. Learn more about how you can make the most of your money. (2) --- [![logo-mph-lsb-stacked](https://blog.mph.bank/hs-fs/hubfs/logo-mph-lsb-stacked.png?width=594&name=logo-mph-lsb-stacked.png "logo-mph-lsb-stacked")](https://www.mph.bank/) - [Benefits](https://www.mph.bank/benefits/) - [CardValet debit card controls](https://www.mph.bank/benefits/debit-card-controls/) - [See your accounts in one place with Financial Tools](https://www.mph.bank/benefits/financial-tools/) - [Free credit score and report](https://www.mph.bank/benefits/credit-score-checker/) - [Super secure](https://www.mph.bank/benefits/super-secure/) - [Get paid early](https://www.mph.bank/benefits/get-paid-early/) - [Loans (new!)](https://smile.mph.bank/personal-loans) - [Home Equity Line of Credit (HELOC)](https://smile.mph.bank/heloc) - [Mortgage](https://smile.mph.bank/mortgage) - [Personal Loans](https://smile.mph.bank/personal-loans) - [About](https://www.mph.bank/about/) - [FAQ's](https://www.mph.bank/faqs) - [Blog](https://blog.mph.bank) [Login](https://secure.mph.bank/makepeoplehappyonline/uux.aspx#/login) [Get Started](https://smile.mph.bank/get-started) Get The App - [Benefits](https://www.mph.bank/benefits/) - [CardValet debit card controls](https://www.mph.bank/benefits/debit-card-controls/) - [See your accounts in one place with Financial Tools](https://www.mph.bank/benefits/financial-tools/) - [Free credit score and report](https://www.mph.bank/benefits/credit-score-checker/) - [Super secure](https://www.mph.bank/benefits/super-secure/) - [Get paid early](https://www.mph.bank/benefits/get-paid-early/) - [Loans (new!)](https://smile.mph.bank/personal-loans) - [Home Equity Line of Credit (HELOC)](https://smile.mph.bank/heloc) - [Mortgage](https://smile.mph.bank/mortgage) - [Personal Loans](https://smile.mph.bank/personal-loans) - [About](https://www.mph.bank/about/) - [FAQ's](https://www.mph.bank/faqs) - [Blog](https://blog.mph.bank) [Login](https://secure.mph.bank/makepeoplehappyonline/uux.aspx#/login) [Get Started](https://smile.mph.bank/get-started) Get The App ![Mph bank logo](https://blog.mph.bank/hs-fs/hubfs/raw_assets/public/MphBank_July2022/images/app-splash-screen.png?width=341&name=app-splash-screen.png "Mph bank logo") ## Get the app *today!* Enter your mobile number below and we will text you a link to the mph.bank app. [![app store](https://blog.mph.bank/hs-fs/hubfs/raw_assets/public/MphBank_July2022/images/download-app-store.png?width=528&name=download-app-store.png "app store")](https://play.google.com/store/apps/details?id=com.mphbank4410a.production) [![google store](https://blog.mph.bank/hs-fs/hubfs/raw_assets/public/MphBank_July2022/images/download-google-play.png?width=528&name=download-google-play.png "google store")](https://play.google.com/store/apps/details?id=com.mphbank4410a.production) ![](https://blog.mph.bank/hubfs/raw_assets/public/MphBank_July2022/images/logo-fdic.svg) FDIC-Insured - Backed by the full faith and credit of the U.S. Government # mph.bank ## [From Bank Fees to Credit Dings: Financial Habits to Break Before 30](https://blog.mph.bank/financial-habits-to-break-before-30) "More than 60% of Americans live paycheck to paycheck—even among those earning six figures." That stat hits like a truck, doesn’t it? [Read More](https://blog.mph.bank/financial-habits-to-break-before-30) ## [FDIC Insurance for Online Bank Accounts: How to Verify Your Money Is Safe](https://blog.mph.bank/fdic-insurance-for-online-bank-accounts) Imagine waking up one morning to news that your bank has shut down overnight. Your balance? Gone. Your deposits? Vanished into the digital void. Sounds like a nightmare, right? Well, in 2008, when Washington Mutual collapsed, over $300 billion in assets were wiped out. But here’s the silver lining:... [Read More](https://blog.mph.bank/fdic-insurance-for-online-bank-accounts) ## [How to Set Up Zelle with Your Online Bank in Under 10 Minutes](https://blog.mph.bank/how-to-set-up-zelle-with-your-online-bank) Money moves fast. So should you. In a world where instant transactions are becoming the norm, waiting days for a bank transfer feels like using dial-up internet in the age of fiber optics. [Read More](https://blog.mph.bank/how-to-set-up-zelle-with-your-online-bank) ## [How to Use a High-Interest Checking Account as Part of Your Wealth-Building Strategy](https://blog.mph.bank/how-to-use-a-high-interest-checking-account) Earning more on your money without lifting a finger? It’s possible. High-interest checking accounts are an underutilized tool in wealth-building strategies, offering returns that can rival some conservative investments. According to a 2024 study by the FDIC, the average interest rate on standard... [Read More](https://blog.mph.bank/how-to-use-a-high-interest-checking-account) ## [High-Interest Checking vs. Savings Accounts vs. CDs: Which One Is Right for You?](https://blog.mph.bank/high-interest-checking-vs-savings-accounts-vs-cds) Your money should never sit idle. Yet, far too many people park their cash in the wrong place, leaving potential earnings on the table. According to a 2023 Bankrate study, 24% of Americans keep their savings in a checking account—earning virtually nothing in interest. That’s like keeping your money... [Read More](https://blog.mph.bank/high-interest-checking-vs-savings-accounts-vs-cds) ## [The College Investor: A Resource For Growth Past Your Student Loans](https://blog.mph.bank/the-college-investor) “The best investment you can make is in yourself.” — Warren Buffett If you’re out of college and still feel like you’re dragging a ball and chain of debt behind you—welcome to the club. Roughly 43 million Americans carry federal student loan debt. And let’s be real: it’s exhausting. You graduate,... 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