15 Easiest Bank Accounts to Open Online [2024]: No Brick-and-Mortar Needed

BANKING - CHECKING ACCOUNTS
Opening a bank account online is as easy as one, two, three with these options.
Updated Feb. 20, 2024
Fact checked
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Today it’s easier than ever to open a bank account online. Many financial institutions allow you to open an account without an opening deposit and don’t require you to maintain a certain balance amount. Some don’t even need to look at your credit and banking history before letting you open an account.

The financial institutions we decided have the easiest bank accounts to open online included banks like Chase, Wells Fargo, U.S. Bank, Discover® Bank, and Ally, as well as financial services companies Chime® and Albert.

Here are our recommendations for the easiest bank account to open online.

Featured Checking Account

Discover®️ Cashback Checking Benefits

  • Earn 1% cash back on up to $3,000 in debit card purchases each month1
  • No minimum deposit, no minimum balance, and no account fees
  • Access your paycheck up to 2 days early with Early Pay
  • 60K+ fee-free ATMs and make cash deposits at Walmart stores nationwide

In this article

Key takeaways

  • The easiest bank accounts to open online don’t require an initial deposit.
  • We like the ease and speed of opening a Discover® Cashback Debit Account online. The application process typically takes five minutes or less, and a physical debit card arrives in the mail within 10 business days.
  • Opening a bank account online is faster if no credit check is needed for approval.
  • The easiest bank accounts open online have no monthly fees or minimum balance requirements and enable you to get paid up to two days early with direct deposits.
  • Banks that charge monthly fees for accounts usually offer ways to waive those fees if you meet specific criteria.

What are the easiest bank accounts to open online?

Bank Best for Time to apply Monthly fees Minimum opening deposit
Discover Getting cash back on purchases About 5 minutes $0 $0
U.S. Bank Easy-to-use mobile app About 5 minutes $6.95 $25
Bank of America Flexible banking About 10 minutes $0 or $12 $1002
Chime3 Bad credit Under 5 minutes $04 $0
Chase Higher balances About 10-15 minutes $12 $0
Current Debit card rewards About 5 minutes $0 $0
SoFi Checking and Savings High APY About 5 minutes $0 $0
Ally Earning interest About 5 minutes $0 $0
Albert Investing About 10-15 minutes $14.99 (Genius subscription) $0
Capital One Overall About 5 minutes $0 $0
Wells Fargo College students About 5 minutes $10 $25
Axos Rewards checking About 5 minutes $0 None on most checking and savings accounts (certain balances required for others)
Wise Multi-currency usage About 5 minutes Varies depending on where money is being transferred $0
Majority Immigrants to the U.S. About 5 minutes $5.99 $0
Revolut Travelers About 5 minutes $0, $9.99, or $16.99 depending on the plan $0

Discover: Best for getting cash back on purchases

Pros
  • No initial deposit required
  • No minimum balance requirement
  • No monthly fees
  • 1% cash back on up to $3,000 in debit card purchases each month
  • Application doesn’t impact your credit score
Cons
  • You can only have one Cashback Debit account
  • Minimum amount of cash you can add is $20
  • There are daily limits on how much cash you can add

With a Discover® Cashback Debit Account, you’ll earn 1% cash back on debit card purchases up to $3,000 each month. Opening a Cashback Debit account is easy to do online. There’s no initial deposit required to open the account, and your application won’t impact your credit score. However, you must deposit money into the account within 45 days of opening it, or else it will be closed.

Discover’s banking products have no monthly fees, no fees for insufficient funds or overdrafts, and no minimum balance requirements. With direct deposit set up, you can get your paycheck deposit up to two days early. You can access your money for no cost at over 60,000 fee-free ATMs.

Cash deposits into your Discover accounts can be made at any Walmart location. The minimum amount of cash you can deposit is $20, and the most you can deposit within 24 hours is $1,000 (except for Arizona and New Mexico, where the daily limit is $999.99).

Discover is FDIC insured.

Visit Discover

Discover®️ Cashback Checking
Discover®️ Cashback Checking - Earn Cash Back
Earn 1% cash back on up to $3,000 in debit card purchases each month.1 No minimum deposit or balance. FDIC Insured.

U.S. Bank: Best mobile app

Pros
  • Application takes 5 minutes
  • Automated financial tools
  • Monthly maintenance fee waived for military members
  • Overdraft protection available
Cons
  • Monthly maintenance fee of $6.95
  • Minimum account balance of $1,500 is required to get fees waived
  • $25 initial deposit

U.S. Bank’s Bank Smartly Checking account can be set up quickly online, with its application taking only five minutes. It also offers specific perks for military members, including being automatically enrolled in the U.S. Bank Smart Rewards Plus tier and waiving the $6.95 monthly maintenance fee.

The monthly maintenance fee is also waived for customers aged 24 and under and for customers 65 or older. You can also get the fee dropped if you have monthly direct deposits totaling $1,000 or maintain a minimum balance of $1,500.

The biggest benefit of the U.S. Bank Smartly Checking account is its overdraft protection. Fees for overdrafts of $50 or less are waived. The bank offers an Overdraft Fee Forgiven program where fees for overdrafts that exceed $50 are waived if your available balance is at least $0 by 11 p.m. ET.

U.S. Bank is an FDIC-insured bank.

Visit U.S. Bank

U.S. Bank Smartly®️ Checking
Earn up to $800
Earn up to $800 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through March 12, 2024. Member FDIC. Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm. $25 minimum opening deposit.

Bank of America: Best for flexible banking

Pros
  • $200 bonus offer. See offer page for more details.
  • Peace of mind with a $0 Liability Guarantee5
  • 24/7 Total Security Protection®️ and fraud monitoring
  • Offers multiple ways to pay, including a debit card, digital wallet, and Zelle
Cons
  • $12 monthly service fee if you don’t meet certain requirements
  • Does not earn interest
  • Overdraft fees

The Bank of America Advantage Plus Banking® account, gives you the flexibility to make purchases using a variety of payment methods, including your debit card, a digital wallet, or Zelle. And it’s easy to set up an Advantage Plus Banking account online.  

This account does charge a $12 monthly maintenance fee, but you can avoid it if you meet certain requirements:

  • You’re a Bank of America Preferred Rewards® member
  • You have at least one qualifying direct deposit of $250 or more
  • You maintain a minimum daily account balance of $1,500 or more

For new checking customers, Bank of America currently has a $200 bonus offer. To qualify, open a new Bank of America Advantage Banking account by 5/31/24 using the code ‘TWA200CIS’ and set up and receive Qualifying Direct Deposits totaling $2,000 or more into that account within 90 days of opening. Additional terms apply. See offer page for more details.

Bank of America is FDIC insured.

Visit Bank of America

Bank of America Advantage Banking
Bank of America Advantage Banking
$200 bonus offer. Click 'Open Account' for more details. Bank of America, N.A. Member FDIC.

Chime®: Best for bad credit

Pros
  • No overdraft fees
  • No monthly service fees
  • No minimum balance requirements
  • No credit check
Cons
  • No branches
  • Lower interest earned on savings account
  • $2.50 fee for over-the-counter cash withdrawals on out-of-network ATMs6

Chime isn’t a bank but a fintech company with the motto, “We want to profit with our members, not from them.”3In line with that motto, Chime doesn’t charge overdraft fees, monthly service fees, foreign transaction fees, or have minimum balance requirements.4If you have bad credit, opening an account with Chime is easy because there is no initial deposit required and no credit check.

Banking through Chime is done almost entirely online, but you can deposit cash into your account for free at over 8,500 Walgreens locations or for a fee at 75,000 retail locations like Walmart, CVS, and 7-Eleven.76The Chime app also provides for mobile deposits.8

The main drawback of Chime is that it doesn’t have any brick-and-mortar branch locations, which is a drawback for people who like in-person service. Also, Chime offers a high-yield savings account, but at 2.00% (as of Oct. 25, 2023) APY, it is much lower than other savings accounts available.9 It also can’t be opened without a Chime Checking account.10

Chime is a financial technology company, but accounts you open through Chime are FDIC-insured through Chime’s partner banks, The Bancorp Bank and Stride Bank.

Visit Chime | Chime review

Chime®
Chime® Checking3 - No Fees + Early Paydays411
Checking Account. No minimum balance. FDIC Insured through The Bank Corp Bank, N.A. or Stride Bank, N.A.

Chase: Best for higher balances

Pros
  • No minimum deposit to open
  • Overdraft assistance
  • Online banking and bill pay
  • Mobile banking
  • Monthly fee is waived if you have a daily balance of $1,500
Cons
  • $12 monthly service fee
  •  No early direct deposit
  • $34 overdraft fees

Chase Total Checking is the bank’s most popular account. The account includes Overdraft Assist, with no overdraft fee if you are overdrawn by $50 or less. If you’re overdrawn by more than $50, Chase gives you one business day to get your account to overdrawn by $50 or less to avoid the $34 overdraft fee.

While many of the best online banks enable you to get your paycheck two days early with direct deposit, this service isn’t available with Chase Total Checking. Only Chase Secure Checking accounts offer this service.

Chase Total Checking has a monthly service fee of $12, but this fee is waived if you have electronic deposits totaling $500 each monthly statement period, a daily balance of $1,500, or an average beginning-day balance of $5,000 on all your Chase checking and savings accounts.

Chase is FDIC insured.

Visit Chase | Read our Chase Bank review

Chase Total Checking®
Enjoy $300 as a new Chase checking customer
When you open a new Chase Total Checking® account with qualifying activities.12FDIC Insured. Offer valid through April 17, 2024.

Current: Best for debit card rewards

Pros
  • Free overdraft protection
  • Earn up to 7X points on certain debit card purchases
  • No fees or minimums
  • Account options for parents and teens
Cons
  • No in-person branches

Current is a financial technology company that charges no fees and includes a rewards debit card via its Spend account. Current has 14,000 participating merchants in its rewards program, and you could earn up to 7X the points when you use your card at these retailers.

Current comes with a few stand-out features, like removing gas holds. These are the pesky holds gas stations put on your account to ensure they receive payment. Current gets rid of those so you can access the amount you really have in your account. Plus, Current provides insights into your spending habits so you can better budget.

You can access your Current account with no fees at any ATM in the Allpoint ATM network.

Current’s banking partners, Choice Financial Group and Cross River Bank, are both FDIC insured.

Visit Current | Read our full Current review

Current Bank
A Smarter Way To Manager Your Money
Online-only banking service.13 Get paid up to 2 days faster with direct deposit14 and Instant removal of gas holds. Earn up to 4.00% (as of Nov. 21, 2023) APY15 with Current Interest. FDIC Insured through Choice Financial Group.

SoFi Checking and Savings: Best for high APY

Pros
  • High APY of 4.60% on savings balance with direct deposit
  • No account maintenance fees or minimum deposit requirements
  • Easy online account opening process
Cons
  • No cash deposit option
  • No local branches or in-person support

SoFi's Checking and Savings account offers a seamless and user-friendly online banking experience. SoFi charges no account fees, which include no overdraft fees, no fees to open an account, and no ATM withdrawal fees if you use one of the 55,000+ Allpoint ATMs worldwide.

There is no minimum balance required to qualify for the 4.60% APY.16 However, you do need a minimum $1,000 monthly direct deposit to benefit from fee-free overdraft protection, and you need to have direct deposit (no minimum amount required) to earn the higher APY on your savings balances. Without direct deposit, you'll earn 1.20% (as of Dec. 12, 2023) on your savings balance.

Additionally, SoFi is offering a direct deposit bonus of up to $300. It starts when SoFi receives your first qualifying direct deposit and runs for 25 days after that. If you have $1,000 to $4,999.99 in qualifying deposits, you earn $50. 

If you have $5,000 or more in qualifying direct deposits, you can earn the maximum bonus of $300. 

To qualify for this offer, apply for an account and submit at least one direct deposit with SoFi before June 30, 2024.

SoFi is FDIC insured.

Visit SoFiSoFi review

Ally: Best for earning interest

Pros
  • No initial deposit required
  • No monthly fees or minimum balances
  • No overdraft fees
  • 0.25% (as of Sep. 18, 2023) APY on checking
  • 4.35% (as of Feb. 8, 2024) APY on savings
Cons
  • Savings withdrawals are limited to 6 per statement cycle.
  • Cash deposits aren’t supported
  •  No physical branch locations
  • 1% foreign transaction fee

Opening a bank account online with Ally is easy, and no initial deposit is required to get started. Ally doesn’t charge monthly or overdraft fees and has no minimum balance requirements. Ally also doesn’t charge for standard checks. Ally checking accounts (called spending accounts) also earn interest at 0.25% (as of Sep. 18, 2023) APY, which is well above the average interest earned on checking accounts from other banks. Interest on Ally savings accounts is 4.35% (as of Feb. 8, 2024) APY.

Ally offers one of the most generous overdraft protection programs. With its Overdraft Transfer Service, funds for overdraft transactions will be transferred from your Ally Bank Savings or Money Market account for no fee. Ally’s CoverDraft service also provides up to $250 in temporary relief if you accidentally overspend.

Ally only falls short if you want to deposit cash or visit the bank in person. Ally is an entirely online bank with no physical locations. It also doesn’t support cash deposits.

Ally is an FDIC-insured bank.

Read our Ally Online Savings review

Albert: Best for investing

Pros
  • No minimum balance requirements
  • No maintenance fees
  • No credit check
  • Provides investing tools (Genius membership required)
Cons
  • Must be a Genius subscriber to receive certain features like cash back
  • Genius subscriptions cost $14.99 per month

Albert is not a bank, it’s a financial services company that offers bank accounts through its partnership with Sutton Bank. While it does offer a checking account and savings account, many of the services provided by Albert require a Genius subscription, which costs $14.99 a month.

When you first sign up for an Albert Cash (checking) account, you’ll automatically get a free 30-day trial subscription for Albert Genius. Albert Genius comes with investing tools like hundreds of stocks and funds to choose from, automatic investments, and Genius guidance. You can cancel Genius anytime, but if you fail to cancel before the trial period ends, you’ll be charged the $14.99 subscription fee.

You don’t need a Genius subscription to use Albert Cash. However, without it, you lose many of the services Albert provides, such as investing, cash-back rewards, and free in-network ATM withdrawals.

Albert account holders have FDIC insurance through its partner banks, Sutton Bank, Coastal Community Bank, Axos Bank, and Wells Fargo.

Visit Albert

Capital One: Best overall

Pros
  • No initial deposit required
  • No minimum balance required
  • No monthly maintenance fees
  • No overdraft fees
  • Checking and savings accounts earn interest
Cons
  • Overdraft transactions are declined unless your account is linked to savings or you opt-in to overdraft protection

There aren’t many drawbacks to banking with Capital One. We think Capital One is the best overall bank for ease in opening an account because you can open an account with no initial deposit, and there are no monthly maintenance fees, no overdraft fees, no foreign transaction fees, and no minimum balance requirements. You’ll just need to make a deposit within 60 days of opening the account to prevent it from closing.

You’ll have access to over 70,000 fee-free ATMs through Capital One and Allpoint, and you won’t be charged by Capital One for transactions at out-of-network ATMs (although there still may be fees charged by the ATM owner). Capital One also pays interest on its 360 checking and savings accounts. The 360 Checking account earns a variable interest of 0.10% (as of Jul. 21, 2023) APY, and the 360 Performance Savings offers a variable rate of 4.30% (as of Oct. 3, 2023) APY.

However, overdraft transactions are typically declined with Capital One unless you opt-in for Capital One’s no-fee overdraft protection. You can also link an eligible savings account to your checking account to cover overdraft transactions at no charge.

Capital One is FDIC insured.

Visit Capital One | Read our Capital One 360 review

Wells Fargo: Best for college students

Pros
  • Optional overdraft protection
  • Get paid two days early with direct deposit
  • Extra Day Grace Period on overdrafts
Cons
  • $10 monthly maintenance fees (waived if specific requirements are met)
  • $25 to open an account
  • $35 charge for overdrafts
  • 3% foreign transaction fee

Wells Fargo offers four different checking accounts, but its most popular is its Everyday Checking. If you are 18 or older, you can open an Everyday Checking account online with just a $25 deposit, and if you keep the daily minimum balance of that account at $500 or more, you won’t have to pay a $10 monthly service fee.

The monthly service fee is also waived if you are between the ages of 17 and 24, you link a Wells Fargo Campus ATM Card or Campus Debit Card to the account, or you have $500 or more in total direct deposits.

The Wells Fargo Everyday Checking does provide optional overdraft protection if you want it. With this service, Wells Fargo will cover transactions if you don’t have enough money in your account. However, it will cost you a $35 overdraft fee. To avoid this fee, the bank’s Extra Day Grace Period gives you an extra day to deposit funds in your overdrawn account.

Wells Fargo is an FDIC-insured bank.

Visit Wells Fargo

Axos: Best for rewards checking

Pros
  • Many checking and savings options
  • Rewards Checking comes with a bonus and high APY
  • Earn cash back on certain checking accounts
  • Most checking accounts have no fees or minimum requirements
Cons
  • Low APY on savings
  • Minimum deposit required on certain savings accounts

Axos offers three online checking accounts: one for frequent direct deposits, one meant for high balances, and one for frequent debit card users. Each comes with no fees, but they vary in rewards. Axos Rewards Checking offers up to 3.30% APY, but there’s also a Cashback Checking that offers up to 1.00% (as of Aug. 16, 2023) cash back.

Axos’s savings accounts aren’t quite as impressive as its checking offerings, as the High-Yield Savings only offers up to 0.61% (as of Aug. 29, 2023) APY. Plus, you’ll need to deposit $250 to open the account. At least you won’t pay any monthly fees.

Axos is FDIC insured.

Visit Axos | Read our full Axos review

Wise: Best for multi-currency usage

Pros
  • Low international transfer fees compared to other companies
  • Works with 50+ currencies
  • Get paid in up to 9 currencies
Cons
  • Funds may not be FDIC insured

Wise is unique because it focuses on sending and receiving different currencies rather than other accounts that let you just work in USD.

You can view all of your different currencies via one Wise account, allowing you to see your spending and balances across multiple currencies. Currently, Wise allows over 50 currencies on the platform.

If you opt into earning interest in your Wise account, you’re able to take advantage of FDIC pass-through insurance at the banks where your money is held. If you don’t choose to earn interest, your funds are not FDIC insured.

Visit Wise

Majority: Best for immigrants to the U.S.

Pros
  • Get paid early option
  • Earn local discounts with your debit card
  • No overdraft fees or foreign transaction fees
  • Unlimited money transfers abroad
  • Make free international calls via the app
Cons
  • Monthly fee

Majority focuses on a key group of people who many banks don’t necessarily consider: immigrants. For a $5.99 per month fee, you’ll get access to a spending account, a debit card, and, uniquely, free international calling through the app.

Recognizing the need for personalized advice after moving to the U.S., Majority also offers a personal advisor who can answer financial questions. You won’t have to meet any monthly account balance or pay an opening deposit.

Majority also has in-person meetup spaces in Florida (Miami, Hialeah, and Orlando) and Texas (Houston and Laredo), where you can open an account and meet other Majority members. 

Majority’s banking partner, Axiom Bank, is insured by the FDIC.

Visit Majority

Revolut: Best for travelers

Pros
  • Debit card lets you spend in 150+ currencies
  • Control your debit card with spending limits and freeze options
  • Send and receive 28 currencies
  • Single-use cards available for online shopping
Cons
  • Premium features available only for fee-based accounts
  • Monthly fees are high for certain accounts

Revolut supports over 200 countries and lets you send and receive money in 28 different currencies, making it the perfect choice for travelers, immigrants, dual citizens, or those who work with international clients.

Revolut also features a debit card that lets you use your card in over 150 countries. You can manage your card via the app, where you can freeze it and create spending limits for yourself.17 The only catch is that for most premium features, you’ll have to upgrade to the $9.99 per month plan or the $16.99 per month plan.

Revolut’s partner banks are insured by the FDIC.

Visit Revolut

Other options to consider:

Discover®️ Cashback Checking - Earn Cash Back

Earn 1% cash back on up to $3,000 in debit card purchases each month.1 No minimum deposit or balance. FDIC Insured.

Learn More
Truist One Checking - Earn $30018

No overdraft fees, low minimum deposit of $50. $100 Negative Balance Buffer.19 Five ways to avoid monthly maintenance fees.20 Member FDIC.

Open Account

Paid Non-Client Promotion

Earn up to 5.00% APY21 with “Dwayne Johnson’s debit card”22

Chance to win $50K for signing up.23 No minimum opening deposit or balance. Auto-invest on every paycheck. Laser engraved HEAVY metal card. FDIC Insured through nbkc bank.

Sign Up

How to choose an easy bank account to open online

Many bank accounts are easy to open these days, taking just minutes to apply for and set up your account. But there are other features the best banks offer that make them strong contenders. When choosing a financial institution, look for one that offers:

  • No fees
  • No minimum balance requirements
  • An easy online banking and mobile experience
  • Overdraft protection
  • Strong security and insurance
  • A large ATM network
  • High-yield interest rates
  • Early payday for direct deposit

FAQ about bank accounts to open online

What bank can I open online without a deposit?

You can open an account online without a deposit at Chase, Chime, Ally, Albert, Discover, and Capital One. However, when opening an account online with no initial deposit, some banks will require you to deposit money into the account within a certain number of days, or the account will be closed. 

For example, Capital One requires that you deposit funds into your account within 60 days, while Discover requires the deposit to be made within 45 days.

What is the best bank to open online?

The best banks to open an account online are either Ally or Capital One. Neither requires an initial deposit to open an account or charges monthly maintenance fees or overdraft fees. 

You also aren’t required to maintain a minimum balance at these two banks. The choice between which one is the best bank for you depends on whether you want to earn higher interest on your checking (Ally) or if you want an account with no foreign transaction fees (Capital One).

What is the easiest bank account to open online?

In our opinion, Discover® Cashback Debit stands out as the easiest bank account to open online. The application process is swift and straightforward, typically taking about five minutes. Once your application is approved, you can expect to receive your debit card within 10 business days.

Can you open a bank account and use it right away?

Yes, with most of the financial institutions we’ve mentioned in this article, you can use your bank account right after using it. If the bank account includes a debit card, you'll typically receive it in 7 to 10 days.

Can I open a bank account with bad credit?

Most banks offer basic checking or savings accounts that have no credit requirement. It's best to ask the bank directly to understand their specific requirements and policies for opening an account for someone with bad credit.

Featured High Yield Savings Accounts

Customers Bank - 5.32% APY24

High-yield savings account. $1 minimum deposit. FDIC insured.

Open Account
SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit

Earn 4.60% APY25 and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits.26 FDIC Insured.

Open Account
Barclays Online Savings - 4.35% APY27

High-yield savings account. No minimum deposit. FDIC insured.

Open Account

Easiest bank accounts to open online: bottom line

As more online banks enter the marketplace, it gets easier and easier to open a bank account without ever stepping foot into a branch. Many of these banks or financial companies allow you to open an account with no initial deposit.

The best bank accounts to open online are those that require little to no initial deposits, don’t charge monthly fees (or offer ways to waive the fees), enable you to get paid early with direct deposit, and have no minimum balance requirements. Features like overdraft protection, no foreign transaction fees, and interest-earning checking accounts are added benefits.

Of the 14 financial institutions we looked at for this article, the best and easiest bank accounts to open online are Capital One and Ally. These two banks stand out among the others because both offer interest-bearing accounts that earn interest rates above the national average.

Easiest bank accounts to open online

  • Discover
  • Bank of America
  • U.S. Bank
  • Chime
  • Chase
  • Current
  • SoFi Checking and Savings
  • Ally
  • Albert
  • Capital One
  • Wells Fargo
  • Axos
  • Wise
  • Majority
  • Revolut

Methodology

The banks we chose for our list of bank accounts that are easy to open online may be current or past FinanceBuzz partners. This list is not reflective of all banks in the market. When evaluating these companies, we considered factors such as the application process, monthly fees, minimum opening deposit, and more.

Discover®️ Cashback Checking Benefits

  • Earn 1% cash back on up to $3,000 in debit card purchases each month1
  • No minimum deposit, no minimum balance, and no account fees
  • Access your paycheck up to 2 days early with Early Pay
  • 60K+ fee-free ATMs and make cash deposits at Walmart stores nationwide

Author Details

Danielle Letenyei Danielle Letenyei is a professional writer living in Madison, Wisconsin. Her interests include budgeting, travel, credit cards, insurance, and creative side gigs. She hopes her work on these topics can help others navigate the intricate landscape of personal finance.
Christopher Murray Christopher Murray is a seasoned personal finance writer with a passion for empowering individuals to achieve financial independence while embracing sustainable practices. Over the last few years, he has focused on various facets of personal finance—specifically saving, budgeting, investing (with an emphasis on alternative investments), credit building, and sustainability.

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