Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public.

Being overdrawn can happen to anyone, especially if you're living paycheck to paycheck. In 2024, U.S. consumers paid more than $12 billion in overdraft and non-sufficient funds (NSF) fees, according ...