11.1 图像热点 – 探索银行服务

Bank Basics – Understand how banks and credit unions accept deposits, make loans, and pay 兴趣 to savers.
Types of Institutions – Compare banks, credit unions, online banks, 和 loan offices, noting profit status, access, and common interest rates.
Deposit Insurance – Learn how FDIC/NCUA insurance protects up to $250 000 per person and what accounts (like stocks or crypto) are not insured.

Digital Saving Tools – Explore online banking apps, auto-transfers, and goal trackers that make saving simpler and more consistent.

Interest Rewards Saving – Banks lend your deposits, earn higher loan interest, and share a slice with you as 兴趣 on savings.
Institution Choice Matters – Credit unions (non-profit), online banks, and traditional banks offer different fees, interest rates, and access—always compare before opening an account.
Your Money Is Insured – Deposit accounts are federally protected up to $250 000, but investments and crypto are not, so know where your money sits.

Use Digital Features – Auto-saving, alerts, and budgeting tools in banking apps help you grow savings effortlessly and avoid fees.

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