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, customer 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.
Ratings are rounded to the nearest half-star.
What the ratings mean
— Among the very best.
— Very good; only minor caveats for most customers.
— Good; issues that might make a difference to some customers.
— Fair; make sure strengths and weaknesses are a good match for you.
— Poor; proceed with great caution.
(or below) — Best to avoid.