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 Start saving at Goldman Sachs Bank USA View Details	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 Start saving at Barclays View Details	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 Start saving at Discover View Details	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 Start saving at Ally Bank View Details	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 Start saving at Alliant Credit Union View Details	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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