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Best Banks and Credit Unions 2018

Choosing a bank or credit union that’s right for you depends on what you’re looking for: a checking account, a savings account, or both.

NerdWallet spent more than 200 hours comparing and rating dozens of financial institutions to identify those with the best deposit accounts. Find our top picks in the table below.

Top Overall Banks: Four financial institutions earned spots in both our best checking and best savings accounts lists. If you want to keep your checking and savings accounts at the same bank, go with one of these options.

Top Savings Accounts: If you’d like to split your accounts between different banks, consider one of these savings accounts. They have annual percentage yields above 1.50% — much higher than the national average of 0.08%. Your savings will grow faster with one of these accounts.

Top Checking Accounts: If you want only a checking account, consider one with a perk or two, such as cash-back rewards or helpful budgeting tools.

Top Overall Banks
Ally Bank

at Ally Bank,

Member, FDIC

Ally Bank

NerdWallet has rated this bank:
  • Over 43,000 ATMs, strong customer service
  • 1.65% APY
Discover

at Discover,

Member, FDIC

Discover Bank

NerdWallet has rated this bank:
  • Over 60,000 free ATMs, cash-back rewards
  • 1.65% APY
Chase

at Chase,

Member, FDIC

Chase Bank

NerdWallet has rated this bank:
  • Large ATM and branch networks, great sign-up bonus
  • 0.01% APY

Alliant Credit Union

NerdWallet has rated this bank:
  • Over 80,000 free ATMs, interest checking available
  • 1.50% APY
Top Savings Accounts
Synchrony Bank

at Synchrony Bank,

Member, FDIC


Synchrony Bank

NerdWallet has rated this savings account:
  • 1.75% APY
Goldman Sachs Bank USA

at Goldman Sachs Bank USA,

Member, FDIC

Marcus by Goldman Sachs

NerdWallet has rated this savings account:
  • 1.70% APY
American Express National Bank

at American Express National Bank,

Member, FDIC


American Express National Bank

NerdWallet has rated this savings account:
  • 1.65% APY

» Looking for more excellent savings options? Browse our best savings accounts

Top Checking Accounts
Chime

at Chime,

Member, FDIC


Chime

NerdWallet has rated this savings account:
  • Cash rewards and early direct deposit option
Simple

at Simple,

Member, FDIC

Simple

NerdWallet has rated this savings account:
  • Safe-to-Spend budgeting tool keeps spending in check

Charles Schwab Bank

NerdWallet has rated this checking account:
  • Unlimited ATM reimbursements worldwide

» For more checking options, take a look at our best checking accounts

Did you have something more specific in mind? If so, check out these articles:

Banks and Credit Unions

 

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Checking Accounts

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Savings and Money Market Accounts

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