Of course, not everyone has the wherewithal to use an HSA as an investing vehicle; most people need to spend the amounts they ...

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Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Parents or legal guardians who are joint account holders can set up text alerts and email notifications for card transactions and account activity to stay on top of their kid's spending.

Raisin doesn't offer checking accounts or access to other types of products like credit cards or loans. If you're looking to do all your banking with one financial institution, Ally is a great option.

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.