You can talk to the chatbot like it's a friendly acquaintance, and it'll help you get a lot done. Amanda Smith is a freelance journalist and writer. She reports on culture, society, human interest and ...

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.