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NerdWallet’s experts have reviewed and rated dozens of banks and credit unions to help you find those with the best accounts, branch and ATM availability, customer service and more.
Below is an overview of the financial institutions that we’ve analyzed. If you'd like more help picking the right one for you, check out .
What online banks lack in branches, they make up for with low fees, high annual percentage yields (APYs) and helpful budgeting tools. These banks are typically FDIC insured and invest heavily in online security. Your money is just as safe at an online bank as it is at a traditional financial institution.
For more information, check out the following bank reviews.
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These banks and credit unions are ideal for people seeking in-person help. But keep in mind that banks with thousands of branches typically charge steep monthly fees, and APYs are often low. Credit unions tend to offer better interest rates but might not have as many branches as regional and national banks.
But there are always exceptions. Take a look at the following reviews for more information on rates, ATM and branch availability, and other services.
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NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, bank experience and overdraft fees.
Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation.
The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.