When a bank fails, most customers are made whole quickly through federal deposit insurance — but some money goes uncollected, and it can sit waiting for years. The Federal Deposit Insurance Corporation keeps a public database of unclaimed insured deposits from failed banks, searchable by name, and there is no cost to look or to…

Pennsylvania’s Department of Banking and Securities took possession of Tioga-Franklin Savings Bank in Philadelphia on Friday, August 21, and named the Federal Deposit Insurance Corporation as receiver the same day. Before the branch doors would have opened again, a second Philadelphia institution had agreed to take the entire deposit book. The bank held $67 million…

The FTC is sending AT&T data throttling refunds by Zelle to people who were already sent a payment and did not cash the check or accept the PayPal transfer.

The cash sitting in your savings account is either working for you or quietly working against you, and at most big banks it is the latter. Many of the largest banks still pay close to nothing on savings, often around 0.01 percent, while a top online savings account pays roughly 4 percent right now. On…

Losing a debit card feels like an emergency, and how fast you react decides how much it can cost you. Federal law caps your losses from unauthorized charges on a lost or stolen debit card, but the cap climbs sharply the longer you wait. Report it within two business days and you can lose at…

Deposit a check and your bank may put a hold on it for a few days before you can touch the full amount. What many people do not realize is that federal rules force the bank to hand over at least the first $275 by the next business day. Knowing that number can be the…

With four U.S. banks having failed so far in 2026, the most in a year since 2023, it is a fair moment to ask a simple question: if your bank went under tomorrow, is your money safe? For most people the answer is yes, up to $250,000, and with a few deliberate moves you can…

Savings parked at a big bank are probably earning almost nothing, while the very same money could be working ten times harder somewhere just as safe. The typical savings rate at the largest banks is a rounding error, yet online accounts that carry the same federal insurance are paying near 4%. Moving your cash costs…

Somewhere in a state office, there may be money with your name on it. Across the country, states and some federal agencies are holding roughly $70 billion in cash that belongs to ordinary people who simply lost track of it. Checking whether any of it is yours costs nothing, and the search takes only a…

A baby born in 2025 or later can now start life with $1,000 already invested in her name, courtesy of the federal government. The catch is that the money does not show up on its own. A parent has to claim it, and right now millions of families either have not done so yet or…