BANKING
WINNERS for 2021
Best Bank or Credit Union for Sign-Up Bonuses
at Chase, Member FDIC
at Chase, Member FDIC
$12.00
Waived with direct deposit or $1,500 minimum balance
$300
Requirements to qualify
$12.00
Waived with direct deposit or $1,500 minimum balance
$300
Requirements to qualify
$12.00
Waived with direct deposit or $1,500 minimum balance
$300
Requirements to qualify
Why this Account made the list
You can earn a Chase bonus by signing up for Total Checking and setting up direct deposit — unlike most bonuses, there's no minimum deposit to qualify.
Read our methodologyBest Checking Account With No Monthly Fee
at Discover® Bank, Member FDIC
at Discover® Bank, Member FDIC
$0
$360
Requirements to qualify
$0
$360
Requirements to qualify
$0
$360
Requirements to qualify
Why this Account made the list
There's no monthly fee for Cashback Debit, plus it offers perks: cash back for many debit card purchases and a nationwide network of over 60,000 free ATMs.
Read our methodologyBest Free Business Checking Account
$0
$0
$0
Why this Account made the list
BBVA's Business Connect Checking does limit free in-branch services, but users can perform an unlimited number of other transactions for free.
Read our methodologyBest Checking Account Overall
at Discover® Bank, Member FDIC
at Discover® Bank, Member FDIC
$0
$360
Requirements to qualify
$0
$360
Requirements to qualify
$0
$360
Requirements to qualify
Why this Account made the list
Cashback Debit pays cash back on many debit purchases and has over 60,000 free ATMs. It doesn't charge overdraft fees; overdraft protection transfers are free.
Read our methodologyBest Bank or Credit Union for ATM Access
$0
0.45%
With $0 min. balance for APY
$0
0.45%
With $0 min. balance for APY
$0
0.45%
With $0 min. balance for APY
Why this Bank made the list
Schwab Bank's High Yield Investor Checking refunds any ATM fees you're charged worldwide, and it doesn't charge foreign exchange fees.
Read our methodologyBest Bank or Credit Union for Branch Access
$10.00
Waived with direct deposit or $500 minimum balance
$300
Requirements to qualify
$10.00
Waived with direct deposit or $500 minimum balance
$300
Requirements to qualify
$10.00
Waived with direct deposit or $500 minimum balance
$300
Requirements to qualify
Why this bank made the list
Wells Fargo operates about 5,200 branches in about 35 states. If you prefer in-person service, there's likely one nearby.
Read our methodologyBest Money Market Account
4.20%
With $0.01 min. balance for APY
4.20%
With $0.01 min. balance for APY
4.20%
With $0.01 min. balance for APY
Why this Account made the list
Unlike many banks, Ally doesn't charge a hefty minimum deposit to open its money market. That's free, and it offers a competitive APY and check-writing, too.
Read our methodologyBest Bank for CDs
4.50%
$0
4.50%
$0
4.50%
$0
Why this CD made the list
CD rates are still relatively high at Ally, and you'll get the same return regardless of your balance. There's no minimum to open, either.
Read our methodologyFrequently Asked Questions
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