Advertisement

Best-of-the-Best Banks of 2019

Our Nerds spent countless hours reviewing and comparing checking, savings and CD accounts — many of them are our partners — before selecting the winners. The factors they considered, include rates and fees, ATM and branch access, account features, customer service, innovation and more.

BankAPYMonthly FeeDetails
Ally Bank Online Savings Account's logo

at Ally Bank,

Member, FDIC

1.90%

With $0 minimum balance

$0

Pros

  • Offers over 43,000 free ATMs
  • Several ways to receive customer service, including by phone, email, snail mail, or live chat
  • $0 minimum balance
  • No monthly fees

Cons

  • No way to deposit cash
  • No branches
Discover Online Savings's logo

at Discover,

Member, FDIC

1.90%

With $0 minimum balance

$0

Pros

  • Access to ATMs
  • Mobile app and checking account available
  • Customer service available 7 days/week
  • $150-200 sign-up bonus available
  • No monthly fees

Cons

  • Limited access to physical branches
  • Large deposit required for promotional sign-up bonuses
Alliant Credit Union High-Rate Savings's logo

at Alliant Credit Union,

Federally insured by the NCUA

1.90%

With $100 minimum balance

$0

Pros

  • Provides more than 80,000 free ATMs
  • Broad membership requirements, which is rare for a credit union
  • Allows account holders to open as many as 19 supplemental accounts
  • No monthly fees

Cons

  • No limit on number of daily overdraft charges
  • Limited branch network

Want more Best-Of winners?

Check out our full list of awards, including credit cards, personal loans, mortgages and more.

Friends that give us credit

A little about us
At NerdWallet, we offer straightforward info and tools to help you make the best possible financial decisions. All for free. So how do we make money? In most cases, when someone applies or gets approved for a financial product we get paid. But that doesn’t sway our opinions.