This year’s best
Our Nerds analyzed ATM access, overdraft policies, monthly fees, and more to find the best bank accounts of 2022. While some winners may be partners, this didn't influence our decisions or opinions.
Best Checking Account Overall
at Discover Bank, Member FDIC
at Discover Bank, Member FDIC
Monthly Fee
$0
Monthly Fee
$0
Monthly Fee
$0
Why this Account made the list
Cashback Debit pays cash back on many debit card purchases and has over 60,000 free ATMs. There are no fees for monthly maintenance or overdrafts.
Read our methodologyBest Checking Account for High Interest
Monthly Fee
$0
APY
3.00%
With $0 minimum balance
Monthly Fee
$0
APY
3.00%
With $0 minimum balance
Monthly Fee
$0
APY
3.00%
With $0 minimum balance
Why this Account made the list
Max Checking has a high APY up to a certain balance; requirements apply, but there’s no monthly fee. Credit union membership is available in nearly all states.
Read our methodologyBest Checking Account With No Monthly Fee
Monthly Fee
$0
APY
0.10%
With $0 minimum balance
Monthly Fee
$0
APY
0.10%
With $0 minimum balance
Monthly Fee
$0
APY
0.10%
With $0 minimum balance
Why this Account made the list
Interest Checking charges no monthly fees and has these perks: an interest rate and no fees for low balances, overdraft or personal checks.
Read our methodologyBest Checking Account for Overdraft Fee Avoidance
Monthly Fee
$0
APY
0.10%
With $0 minimum balance
Monthly Fee
$0
APY
0.10%
With $0 minimum balance
Monthly Fee
$0
APY
0.10%
With $0 minimum balance
Why this Account made the list
Ally Bank charges no overdraft fees and provides a free overdraft transfer service from savings to checking accounts.
Read our methodologyBest Bank or Credit Union for Sign-Up Bonuses
at Chase, Member FDIC
at Chase, Member FDIC
Monthly Fee
$12.00
Waived with direct deposit or $1,500 minimum balance
Bonus
$225
Requirements to qualify
Monthly Fee
$12.00
Waived with direct deposit or $1,500 minimum balance
Bonus
$225
Requirements to qualify
Monthly Fee
$12.00
Waived with direct deposit or $1,500 minimum balance
Bonus
$225
Requirements to qualify
Why this Account made the list
You can earn a Chase bonus by signing up for Total Checking and receiving direct deposits; unlike many bonuses, there is no minimum balance requirement.
Read our methodologyBest Savings Account
at Marcus by Goldman Sachs, Member FDIC
at Marcus by Goldman Sachs, Member FDIC
APY
0.50%
With $0 minimum balance
Bonus
$100
Requirements to qualify
APY
0.50%
With $0 minimum balance
Bonus
$100
Requirements to qualify
APY
0.50%
With $0 minimum balance
Bonus
$100
Requirements to qualify
Why this Account made the list
Online Savings Account offers a top-of-the-line APY and no monthly fees or minimum deposit requirements.
Read our methodologyBest Money Market Account
APY
0.80%
With $0.01 minimum balance
APY
0.80%
With $0.01 minimum balance
APY
0.80%
With $0.01 minimum balance
Why this Account made the list
Zynlo’s MMA offers a stellar APY, no monthly fee and low minimum deposit requirements: $10 to open the account, 1 cent to start earning interest.
Read our methodologyBest Bank or Credit Union for CDs
APY
1.00%
Minimum Deposit
$500
APY
1.00%
Minimum Deposit
$500
APY
1.00%
Minimum Deposit
$500
Why this CD made the list
Marcus CDs tend to have consistently competitive rates compared to other online banks and credit unions and have a low minimum deposit of $500.
Read our methodologyBest Online Banking Experience
at Discover Bank, Member FDIC
at Discover Bank, Member FDIC
Monthly Fee
$0
Monthly Fee
$0
Monthly Fee
$0
Why this Bank made the list
Discover Bank has an easy-to-use, transparent website and high user ratings for its Android and iOS apps. Cashback Debit also has rewards and no monthly fees.
Read our methodologyBest Bank or Credit Union for ATM Access
Monthly Fee
$0
APY
0.03%
With $0 minimum balance
Monthly Fee
$0
APY
0.03%
With $0 minimum balance
Monthly Fee
$0
APY
0.03%
With $0 minimum balance
Why this Bank made the list
Schwab Bank has unlimited ATM fee reimbursements worldwide and no foreign transaction fees.
Read our methodologyBest Bank or Credit Union for Branch Access
Monthly Fee
$10.00
Waived with direct deposit or $500 minimum balance
Monthly Fee
$10.00
Waived with direct deposit or $500 minimum balance
Monthly Fee
$10.00
Waived with direct deposit or $500 minimum balance
Why this Bank made the list
Wells Fargo has about 4,900 bank-owned branches nationwide — more than any other U.S. financial institution.
Read our methodologyBest Checking and Savings Combo
at Alliant Credit Union, Federally insured by the NCUA
at Alliant Credit Union, Federally insured by the NCUA
Monthly Fee
$0
APY
0.25%
With $0 minimum balance
Monthly Fee
$0
APY
0.25%
With $0 minimum balance
Monthly Fee
$0
APY
0.25%
With $0 minimum balance
Why this Account made the list
Alliant’s High-Rate Checking and High-Rate Savings accounts both have solid APYs and no monthly fees, plus access to over 80,000 free ATMs.
Read our methodologyBest Checking and Savings Combo
at Alliant Credit Union, Federally insured by the NCUA
at Alliant Credit Union, Federally insured by the NCUA
APY
0.55%
With $100 minimum balance
APY
0.55%
With $100 minimum balance
APY
0.55%
With $100 minimum balance
Why this Account made the list
High-Rate Checking and High-Rate Savings accounts both have solid APYs and no monthly fees, plus access to over 80,000 free ATMs.
Read our methodologyLooking for the right bank?
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