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 Learn More at Goldman Sachs Bank USA, Member, FDIC	2.15% With $0 minimum balance	$0	Pros Access to customer service 6 days/week No monthly fees Cons No checking account, mobile app or ATM access No physical branches
NerdWallet rating Learn More at Barclays, Member, FDIC	2.10% 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 physical branches
NerdWallet rating Learn More at Discover, Member, FDIC	2.10% 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
NerdWallet rating Learn More at Ally Bank, Member, FDIC	2.10% With $1 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
NerdWallet rating Learn More at Alliant Credit Union, Federally insured by the NCUA	2.10% 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

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