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Best-of-the-Best Savings Accounts of 2019

Our Nerds spent countless hours reviewing and comparing savings accounts — many of them are our partners — before selecting the winners. The factors they considered include APYS, maintenance fees, minimum balances and customer service.

Bank	APY	Monthly Fee	Details
NerdWallet rating Apply Now at Marcus by Goldman Sachs, Member FDIC	0.50% With $0 minimum balance	$0	Pros Access to customer service 7 days/week No monthly fees Cons No checking account No branches
NerdWallet rating Apply Now at Barclays, Member FDIC	0.50% With $0 minimum balance	$0	Pros Customer service available 7 days/week Minimal non-sufficient funds fee No monthly fees Cons No checking account, mobile app or ATM access No branches
NerdWallet rating Apply Now at Discover Bank, Member FDIC	0.50% With $0 minimum balance	$0	Pros Access to over 60k ATMs Mobile app and checking account available Customer service available 24/7 No monthly fees Cons Limited access to physical branches
NerdWallet rating Apply Now at Alliant Credit Union, Federally insured by the NCUA	0.55% 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 for e-statements Cons No limit on number of daily overdraft charges Limited branch network

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