BanksYouPick Assistant: free AI help with savings, checking and CD accounts
Updated August 24, 2026 · every figure carries the source it was read from and the date it was read
Ask anything about how U.S. deposit accounts work and get a plain answer in seconds — no account, no payment, no email required. The assistant answers from the rate data published on BanksYouPick, every figure of which carries a link to its source and the date it was checked.
Hi — I can explain how savings, checking and CD accounts work, and help you compare the accounts listed on BanksYouPick. Ask me anything about APY, fees, FDIC insurance or CD terms.
One thing first: please don't type any personal details — no account numbers, ID numbers or card numbers. I don't need them.
General information only — not financial advice, and not a recommendation to open any specific account. Rates change; confirm every figure on the bank’s own page before you act. BanksYouPick may earn referral fees from some banks. Conversations are stored without any identifying information to improve this assistant.
What it can answer
How APY differs from an interest rate and why daily compounding matters; what FDIC insurance does and does not cover; which fees actually reduce what you earn; how a CD’s early-withdrawal penalty is calculated; and why a headline rate sometimes requires a direct deposit or a minimum balance — as it does on SoFi Checking and Savings, currently listed at 3.80% APY.
What it will not do
It will not tell you which account to open, will not ask for personal or account details, and will not quote a rate it cannot source. Deposit rates move constantly, so it will always point you to the bank’s own page for the figure that actually applies to you.
Questions about the assistant
What is the BanksYouPick Assistant?
A free question-and-answer assistant on BanksYouPick. It explains how deposit accounts work — APY, compounding, FDIC insurance, minimums, fees and CD terms — and answers using the rate data published on this site.
Is it free?
Yes. There is no account, no payment and no sign-up. You can use it without giving an email address.
Does it give financial advice?
No. It gives general education only. It will not tell you which account to open or what to do with your money. For personal circumstances, speak to a licensed advisor.
Where do its numbers come from?
From the rate tables published on BanksYouPick, each carrying a link to its source and the date it was checked. It will not invent a rate, and it says so when it does not have one.
What happens to my conversation?
It is stored without any identifying information, to improve the assistant. Personal details such as email addresses, phone numbers and card numbers are stripped out automatically before anything is stored. No email address is required.
Can I get a copy by email?
Yes, if you ask for one. We send a confirmation link first and send nothing until you click it, and every message carries a one-click unsubscribe.