On July 21, 2011, the Office of Thrift Supervision became part of the Office of the Comptroller of the Currency. The Federal Reserve is the central bank of the United States. Please make sure every proposed guest post is original and not duplicated material.

The FDIC maintains a list of banks showing institutions seized by regulators and the assuming institutions. A national bank is a bank that is nationally or federally chartered and is allowed to operate throughout the country in any state. The advantage of holding a National Bank Act charter is that a national bank is not subject to state usury laws intended to prevent predatory lending. The federal government only requires that whatever rates, fees, or terms are set by issuers be disclosed to the consumer in accordance with the Truth in Lending Act.


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Opening a checking account is easier than ever, especially if you decide to apply online – it just takes a few clicks! If you prefer to open your account in person, stop by any Huntington branch to meet with a banker. Balancing your checkbook may feel outdated with online banking, mobile banking, and budgeting technology.

We are also interested in guides and reviews of financial services, such as investment platforms, banks, and credit cards. These guides should be objective and well-researched, providing our readers with the information they need to make informed decisions about their finances. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Large retail banks are often well-known, big-name banks and have locations throughout the U.S., which is convenient if you travel often for work or vacation. You would have easier access to your funds when you’re away and may be able to avoid foreign ATM fees. The Federal Deposit Insurance Corporation is an independent agency created by Congress to maintain stability and public confidence in the U.S. financial system. The FDIC supervises and examines banks to ensure that the money they handle is safe. They tend to provide a limited range of services compared to banks. They also have fewer locations and automated teller machines .

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