Interest-bearing checking accounts at traditional brick-and-mortar Banks often pay only 0.13 percent interest but require high minimums to avoid a monthly maintenance fee.

在传统的银行中，支付利息的支票帐户所允许的帐户只有百分之零点一三，但需要你存入的最低限额却是很高的，这样做是为了避免每月的生活费。

youdao

There's also a well-established brick-and-mortar network of so-called milk banks.

另外，所谓的“母乳银行”也建立起了广泛而深入的实体网络。

youdao

They can offer you a better return because they operate more cheaply than brick-and-mortar banks.

FORBES: Three Key Advantages To Banking Online

Finally, Internet banks with the Federal Deposit Insurance Corporation (FDIC) seal are insured the same as FDIC-insured brick-and-mortar banks.

FORBES: Are Online Banks Safe?

Some brick-and-mortar banks have similar restrictions, Mr. Tumin says.

WSJ: Finding High Rates Online