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.

The U.S. Bank Standard Savings account is no longer available to new applicants. Banks charge for a lot more than you might realize — monthly maintenance, overdrafts, out-of-network ATMs, even paper ...