About the Author

Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, Dear Debt. Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Business Insider, Time, Huffington Post and more. She is also the co-founder of the Lola Retreat, which helps bold women face their fears, own their dreams and figure out a plan to be in control of their finances.

Blog posts by
Melanie Lockert

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¹ https://www.bankofamerica.com/deposits/account-fees/ “Advantage SafeBalance Banking Checking Account, Advantage Savings Account”

² https://www.chase.com/personal/checking/total-checking
https://www.chase.com/personal/savings/savings-account

³ https://www.usbank.com/bank-accounts/savings-accounts/standard-savings-account.html
https://www.usbank.com/bank-accounts/checking-accounts.html “Easy Checking Account”

⁴ https://www.td.com/us/en/personal-banking/savings-accounts/simple/
https://www.td.com/us/en/personal-banking/checking-accounts/simple_b/

⁵ https://online.citi.com/US/ag/banking/citi-savings
https://online.citi.com/US/banking/checking/citi.action?ID=basic-banking-account

⁶ https://www.wellsfargo.com/checking/everyday/
https://www.wellsfargo.com/savings-cds/ “Ways2Save Savings Account”

⁷https://www.pnc.com/en/personal-banking/banking/savings/standard-savings.html
https://www.pnc.com/en/personal-banking/virtual-wallet-overview.html “Virtual Wallet”

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9 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

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