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cover of episode Online Banking vs Neobanks: Understand FDIC Safety and Protect Your Money

Online Banking vs Neobanks: Understand FDIC Safety and Protect Your Money

2024/11/18
logo of podcast NerdWallet's Smart Money Podcast

NerdWallet's Smart Money Podcast
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People
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Eliza
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Sara
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Sean
著名个人财务专家和广播主持人，创立了“婴儿步骤”财务计划。
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Spencer
无足够信息无法构建详细个人简介。
Topics
Sean Pyles 和 Sara Rathner 提出了听众关于如何区分新银行和传统银行以及如何确保资金安全的疑问，并邀请了 NerdWallet 银行专家 Spencer Tierney 来解答。Spencer Tierney 解释了网上银行、新银行和传统银行的区别，并指出新银行并非真正意义上的银行，而是一种金融科技公司，它与传统银行合作提供数字银行账户。他还解释了 FDIC 保险的运作方式，以及在新银行和传统银行中，FDIC 保险的不同作用。Sean Pyles 和 Spencer Tierney 还通过实时查询 UFB Direct 和 Chime 两家金融机构的网站，演示了如何判断一家机构是否为真正的银行，以及如何找到 FDIC 保险信息。

Deep Dive

Chapters
Tips and tricks for affordable holiday hosting, including hosting a potluck, budgeting for extra food, setting boundaries with overnight guests, and using credit card rewards.
  • Host a potluck to share costs and labor.
  • Budget for extra food when hosting overnight guests.
  • Set boundaries and ask guests for help.
  • Use credit card rewards for holiday spending.

Shownotes Transcript

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode: 

Learn how to distinguish neobanks from traditional banks, understand FDIC insurance, and get tips for affordable holiday hosting.

What is the difference between a neobank and a traditional bank? Is my money safe in an online bank or neobank? Hosts Sean Pyles and Sara Rathner discuss how to distinguish a neobank from a traditional bank and ways to safeguard your savings, helping you understand what to look for in financial institutions. But first, they begin with a discussion of affordable holiday hosting, with tips and tricks on hosting a potluck, budgeting for extra food, and setting boundaries with overnight guests. Then, NerdWallet banking expert Spencer Tierney joins Sean and Sara to discuss the ins and outs of online banks and neobanks. They discuss how FDIC insurance works, what to look for in a neobank’s fine print, and the potential risks of using a neobank.

Check o****ut this episode on your favorite podcast platform, including:

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Best Free Checking Accounts of 2024)

***Have a money question? Text or call us at 901-730-6373. Or you can email us at [email protected]). ******To hear previous episodes, go to the ***podcast homepage.)