Thanks to two major X factors -- the fiscal cliff and new bank capitalization standards -- 2013 could be the most eventful period for the banking industry since the crisis years of 2008 and 2009. Here are eight key things to watch.

Notably, it didn't matter whether you looked at large banks, small banks or medium-sized banks: Each category saw average savings and money market rates drop in the third quarter.

July's jobs report may prove to be good news for the economy. But if you want good news on bank rates anytime soon, you'll have to make it happen yourself.

The Fed is like a poker player who has been dealt a weak hand. It's easy to criticize a losing player, but when one looks at the cards, it's hard to say exactly what should be done differently.

With deposit rates continuing to fall, consumers need every edge they can get to earn a decent yield.

Trouble with banks was one of the first harbingers of what has become known as the Great Recession, and of the lackluster recovery that has followed. Perhaps an improved banking environment will be an early signal that the economy is finally getting healthy again.

One size does not fit all when it comes to banks. Don't rely on generalities when deciding on a new bank -- choose the institution specifically suited to your needs.

With interest rates scraping along just above zero, it's easy to grow frustrated with savings accounts and other bank deposit products. However, as uninspiring as savings account rates have become, the grass may not be greener anywhere else.

Regional and community banks are often recommended as a solution to the low interest rates offered by large banks -- and for good reason. Unfortunately, the viability of this solution may depend on where you live.

Retirement confidence has taken a beating in recent years. One of the root causes suggested by the survey results is that the difficulty of meeting short-term goals might be so great that people never get around to focusing on long-term goals.

Help yourself out so you are in a position to help someone else out.

Even if you don't have a retirement plan through your job, you can still save for the future. One of the best ways to do so is through a Roth IRA.

Welcome to A Dollar A Day, where every day we'll dish out creative and quirky ways to save on your living expenses. We know it's tough to save, es...