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There's free money available if you're willing to open a checking or savings account.

Lake Michigan Credit Union offers a variety of products of services with competitive rates. Plus, if you don't qualify otherwise, the credit union makes it easy for anyone to join by paying a $5 membership fee.

Comerica Bank can be all things to all people -- as long as those people live where Comerica operates and are content with lower savings rates than can be found at many other banks.

At Bank of the West, you get a wide range of products and services similar to big banks, but with community bank customer service. If you live in one of the states where Bank of the West does business, it's worth your time to research its deposit accounts, loans and other offerings.

A 2019 survey from the FDIC reported that 7.1 million households were unbanked. That means no one in the entire household had their money in a bank, and it's a significant number considering there...