This year’s best
Best Checking Account Overall
$0
$0
$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
$0
3.00%
With $0 minimum balance
$0
3.00%
With $0 minimum balance
$0
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
$0
0.10%
With $0 minimum balance
$0
0.10%
With $0 minimum balance
$0
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
$0
0.10%
With $0 minimum balance
$0
0.10%
With $0 minimum balance
$0
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
$12.00
Waived with direct deposit or $1,500 minimum balance
$200
Requirements to qualify
$12.00
Waived with direct deposit or $1,500 minimum balance
$200
Requirements to qualify
$12.00
Waived with direct deposit or $1,500 minimum balance
$200
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
3.30%
With $0 minimum balance
$100
Requirements to qualify
3.30%
With $0 minimum balance
$100
Requirements to qualify
3.30%
With $0 minimum balance
$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
1.25%
With $0.01 minimum balance
1.25%
With $0.01 minimum balance
1.25%
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
3.80%
$500
3.80%
$500
3.80%
$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
$0
$0
$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
$0
0.45%
With $0 minimum balance
$0
0.45%
With $0 minimum balance
$0
0.45%
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
$10.00
Waived with direct deposit or $500 minimum balance
$200
Requirements to qualify
$10.00
Waived with direct deposit or $500 minimum balance
$200
Requirements to qualify
$10.00
Waived with direct deposit or $500 minimum balance
$200
Requirements to qualify
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 NCUA
at Alliant Credit Union, Federally insured by NCUA
2.70%
With $100 minimum balance
2.70%
With $100 minimum balance
2.70%
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?
