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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

at Goldman Sachs Bank USA

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APY

2.25%

With $0 minimum balance
Member, FDIC

$0

Pros

  • Access to customer service 6 days/week
  • No monthly fees

Cons

  • No checking account, mobile app or ATM access
  • No physical branches

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NerdWallet rating

at Barclays

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APY

2.2%

With $1 minimum balance
Member, FDIC

$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 physical branches

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NerdWallet rating

at Discover

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APY

2.1%

With $0 minimum balance
Member, FDIC

$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

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NerdWallet rating

at Ally Bank

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APY

2.2%

With $1 minimum balance
Member, FDIC

$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

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NerdWallet rating

at Alliant Credit Union

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APY

2.1%

With $100 minimum balance
Member, NCUA

$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

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