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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.

BankAPYMonthly FeeDetails
Marcus by Goldman Sachs Online Savings Account's logo
NerdWallet rating 

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
Barclays Online Savings Account's logo
NerdWallet rating 

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
Discover Bank Online Savings's logo
NerdWallet rating 

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
Alliant Credit Union High-Rate Savings's logo
NerdWallet rating 

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

Want more Best-Of winners?

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

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