The Fed meets 8 times a year to set monetary policy that affects how Americans borrow and save. Here's when its rate-setting committee meets next — plus a recap of past meetings.

CNBC Select considered factors such as fees, ATM access and low minimums when determining the best online business bank accounts.

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Although the central bank doesn't directly dictate mortgage rates, its policy decisions indirectly influence consumer borrowing costs, including for mortgages, over the long term.