credit union

One way is through your bank or credit union, which likely offers free financial tools for customers.

If you're unsure about opening an account with a big bank, you can look into local credit unions or online banks that offer free accounts.

Credit union advocates point to positive poll numbers among consumers: 89% of credit union members said their financial well-being has improved, according to recent data compiled by America’s Credit Unions, a political action committee.

Consumers can also wield power by choosing financial products, especially through credit unions, that are more consumer friendly.

Most banks or credit unions charge an early withdrawal fee if you take money out before your terms are up.