Banks add interest to loans but they also make money by charging customers fees, sometimes just for having an account. A few dollars here and there doesn't seem like much, but it can add up. A 2024 ...

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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.