Mobile banking offers speed, convenience and 24/7 access. Users can pay bills, get overdraft alerts, check their account balances, track expenses, deposit checks, and send money to friends and family ...

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.

Matt Elliott is a senior editor at CNET with a focus on laptops and streaming services. Matt has more than 20 years of experience testing and reviewing laptops. He has worked for CNET in New York and ...