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10 Questions To Ask Before Opening A Checking Account

Editorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations.

You need an everyday place to manage your household bills, and a checking account lets you do just that. But with all the different banks and credit unions out there to choose from, there are several questions you need to ask before you open a checking account.

To find the best checking account for your needs, ask these 10 questions to help match you with the perfect balance of fees and features.

1. Do You Need a Physical Branch Location?

The bank or credit union around the corner isn’t your only banking choice anymore. With the rise of online banks, you have quite a few options for where to open an account.

A bank with a physical branch may make sense if the in-person banking experience still wins you over. From the drive-through to the teller who knows you by name, those are features you generally won’t find at an online bank (and for logical reasons).

However, if you’re a digital native of someone who already does pretty much everything online, an online bank could be a perfect fit. With their robust online tools and savvy mobile apps, online banks cater to those who like to bank on the go and don’t need a physical branch for reassurance.

2. Do You Want Rewards or Cash Back?

Different banks offer different checking account features, including various incentive programs like loyalty rewards and cash back options. If these features are important to you, you’ll want to look for a bank that offers the type of incentive program that helps you make the most of your checking account.

Banks like Discover Bank, Axos Bank and LendingClub Bank all offer cash back checking account options, including debit cards with reward features. Some regional and national banks provide various cash back, bonus and rewards programs as well. Be sure to review how any cash back is accumulated, and read the fine print to learn about fees or requirements to activate bonuses or other rewards.

3. What Kind of Checking Account Do You Need?

Before you open your account, you need to know what type of checking account you need. This will help you compare features between banks on the same type of account:

  • An individual checking account is a type of personal account where you will be the sole account holder.
  • A joint checking account is shared by two or more people—usually by spouses, partners, children and their elderly parents or parents and their minor children (in which case it’s often called a custodial account).
  • A business checking account is specifically for a business—whether doing business as a sole proprietor, corporation, partnership or limited liability company (LLC).
    • 4. What’s the Interest Rate?

    Interest rates are one of the most distinguishing features of high-yield checking accounts and they can vary widely. While many national brick-and-mortar banks offer nominal interest on personal checking accounts, online banks typically offer more competitive interest rates.

    Pay attention to the different interest rate tiers banks offer and any requirements you’ll need to meet to earn those yields. You may have to fulfill specific requirements each month to earn the highest yields on a checking account, like receiving direct deposits or making a certain number of debit card transactions.

    5. What Are the Minimum Balance Requirements?

    Some checking accounts not only have a minimum opening deposit but a minimum monthly balance requirement as well. You’ll have to meet the minimum to avoid a monthly account fee.

    Sometimes banks will waive the minimum balance requirement if you meet certain qualifications each month—such as opting to receive your paycheck via direct deposit. Be sure to read the fine print to make sure you’re not opening a checking account with balance requirements that you can’t meet.

    6. What About ATM Fees?

    Here’s where the competition gets stiff between brick-and-mortar banks and online banks: ATM fees.

    If you use an ATM that’s in your bank’s ATM network (you can usually locate these in your bank’s mobile banking app or via the bank’s website), you can likely avoid fees when you make ATM withdrawals. However, when you need money in a pinch, how will your bank charge you for using an out-of-network ATM?

    When you use an ATM outside of your bank’s network, it’s common to be charged by the bank that owns the ATM, and you may also get charged by your bank. So, you could get hit with fees twice. However, some banks offer ATM fee rebates to help ease the stress of needing to find an ATM on the bank’s network.

    Banks including Axos Bank, LendingClub Bank and Charles Schwab Bank offer unlimited out-of-network ATM fee reimbursement for their checking customers. Other banks may offer to refund a certain dollar amount per month. At worst, you’re stuck with the fees. If you use a lot of cash, you’ll want a bank with friendly ATM fee policies.

    7. What’s the App Like?

    From mobile check deposits to making sure your paycheck hits your account, a user-friendly mobile app can make all the difference when choosing a checking account.

    Even if you won’t be doing all your banking from your mobile device, it pays to get a look at the app’s functionality. Don’t be shy about digging through bank and credit union websites to see if you can sneak a peek at the different features their mobile banking apps offer. If you’re looking for specific features in the mobile banking app, you can always call the bank’s customer service line or chat with their customer service team on their website.

    Also, take a look at the bank’s mobile app star rating on the App Store or Google Play.

    8. Does the Account Come With Bill Pay?

    Bill payment features through your bank can help you stick to a budget, automate bill payments and avoid late fees. Because this is a popular feature with checking accounts, you have options when it comes to bill pay features.

    Many banks have digital partnerships with popular credit card companies and utility providers (like cable and electric companies) and can send digital payments directly from your account. Other banks only send paper checks and you’ll have to make sure you set your bill payment date enough in advance of your due date for the payment to arrive on time.

    9. What Kind of Overdraft Protection Does the Account Offer?

    The last thing you want to do is bounce a check, but even the most diligent people hit a financial hiccup at times. That’s why you want to compare each bank’s features for protecting you should you overdraw your account.

    Overdraft protection on your checking account can come in many forms. Some banks offer to make an automatic transfer from a savings account held at the same institution to cover the transaction. Others provide a grace period so you can make a deposit to cover the shortfall.

    10. What Are the Account Fees?

    While a no-fee checking account is ideal, there are plenty of potential fees you could incur as a matter of doing business with your checking account. Knowing how the banks you’re considering assess fees can help you make a more apples-to-apples comparison between checking accounts.

    Some common fees for checking accounts are:

  • ATM fees for using an out-of-network ATM
  • Cashier’s check fees
  • Check reorder fees
  • Foreign transaction fees
  • Minimum balance fees
  • Monthly maintenance fees
  • Overdraft fees
  • NSF (non-sufficient funds) fees
  • Wire transfer fees (incoming and/or outgoing)

    • Many online banks are super savvy and keep their fees to a minimum to entice you to open a checking account. Don’t be shy about speaking with a human being regarding any questions you may have about checking account fees. It’s better that you’re well-informed before you open your account.

    Bottom Line

    The 10 questions above can help you narrow down your options to identify the best checking accounts for your financial goals and lifestyle. A checking account is just one part of your overall financial relationship. Be sure to look at savings account options with the same bank and how the bank’s other services will complement future financial goals like buying a home and saving for retirement.


    30 banks with 24/7 customer support either online or over the phone

    Our experts answer readers' banking questions and write unbiased product reviews (here's how they assess banking products). In some cases, they receive a commission from their partners; however, their opinions are their own. Terms apply to offers listed on this page.

  • Several banks offer 24/7 customer service by phone or live chat.
  • Other banks may have limited hours during the workweek or weekend.
  • If you find it challenging to do banking tasks during business hours, consider changing banks.
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    Customer experience can significantly impact your overall banking experience. If you can't find time to visit a branch or call a bank during regular business hours, then it's going to be difficult to manage your money.

    Thankfully, some banks make it easy to call or message the customer service center at any time of the day. Here's a list of banks that offer 24/7 customer support, and many of these institutions are featured in one or more of their best bank account guides.

    Customer support frequently asked questions (FAQs)

    Customer service varies at different financial institutions. Some offer 24/7 customer support over the phone, while others have it through live chat or email. Smaller banks and credit unions usually just have customer support on weekdays and maybe Saturdays.

    If you've found it challenging to bank during normal business hours in the past, you may want to find a bank that offers 24/7 customer support. That way, you can contact a customer service representative when other banks may be closed — after work hours or during the weekend.

    To contact Chase Personal Banking 24/7, call 1-800-935-9935.

    Bank of America does not offer 24/7 customer support. To speak with customer support about your bank accounts, call Monday through Friday from 8:00 a.m. to 11:00 p.m. ET. Or call weekends from 8:00 a.m. to 8:00 p.m. ET. The phone number for English speakers is 1-800-432-1000, and the number for Spanish speakers is 1-800-688-6086.

    To contact Wells Fargo 24/7 about personal banking, call 1-800-869-3557.

    1. Alliant Credit Union

    Alliant High-Interest Checking Account

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.25%

    Minimum Deposit Amount

    up to $25

    Fees

    no monthly service fee

    Alliant High-Interest Checking Account

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.25%

    Minimum Deposit Amount

    up to $25

    Fees

    no monthly service fee

    Alliant Credit Union, Member NCUA

    Alliant High-Interest Checking Account

    Alliant Credit Union, Member NCUA

    Alliant is one of the best credit unions out there, especially if you want to earn high interest rates on savings, checking, and certificates.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    0.25%

    Minimum Deposit Amount

    up to $25

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn interest Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. $20/month in out-of-network ATM fee refunds Check mark icon A check mark. It indicates a confirmation of your intended interaction. No overdraft fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. No incoming wire transfer fee

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Compounds interest monthly, not daily Dash icon A dash. It often indicates an interaction to shrink a section. $25 outgoing wire transfer fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
  • 80,000+ free ATMs
  • Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.
  • Interest compounded monthly
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Alliant Credit Union pays high interest rates on savings, checking, and certificates. 

    How to contact customer support: Customer service representatives are available over the phone. 

    2. Ally Bank

    Ally Savings Account

    4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.25%

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Ally Savings Account

    4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.25%

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Ally Savings Account

    The Ally High Yield Savings Account is a great option for anyone who wants savings tools to help save for specific financial goals, or prioritizes an account that doesn't charge standard bank fees. You may earn 4.15% APY, and the account doesn't have any requirements for earning interest. However, keep in mind that the best high-yield savings accounts pay up to 5.50% APY right now.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    4.25%

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. High APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Savings buckets help you save for different goals Check mark icon A check mark. It indicates a confirmation of your intended interaction. Surprise savings transfers help you save extra money from your checking account

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. No physical branch locations Dash icon A dash. It often indicates an interaction to shrink a section. No way to deposit cash Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Create separate savings buckets in a savings account
  • Link to your Ally checking account and enroll in surprise savings transfers to have extra money transferred to savings three times per week
  • Interest compounded daily, paid monthly
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Ally pays high interest rates on savings accounts and certificates. 

    How to contact customer support: Customer service representatives are available over the phone or through online chat. 

    3. American Express National Bank (Member FDIC)

    American Express® High Yield Savings Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.25% APY as of 8/18/23

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    American Express® High Yield Savings Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.25% APY as of 8/18/23

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    American Express, Member FDIC

    American Express® High Yield Savings Account

    American Express, Member FDIC

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    4.25% APY as of 8/18/23

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark icon A check mark. It indicates a confirmation of your intended interaction. 24/7 phone support Check mark icon A check mark. It indicates a confirmation of your intended interaction. No excess transaction fee

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. No mobile app for banking customers Dash icon A dash. It often indicates an interaction to shrink a section. You must make a deposit within the first 60 days Dash icon A dash. It often indicates an interaction to shrink a section. No live online chat Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • FDIC Insured
  • 24/7 account access
  • Earns interest daily, and posts to account monthly
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: The American Express® High Yield Savings Account is the bank's strongest account. It pays a high interest rate and has a $0 minimum opening deposit. 

    How to contact customer support: Customer service representatives are available over the phone. 

    4. Axos Bank

    Axos Bank Rewards Checking

    4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    up to 3.30%

    Minimum Deposit Amount

    $50

    Fees

    no monthly service fee

    Axos Bank Rewards Checking

    4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    up to 3.30%

    Minimum Deposit Amount

    $50

    Fees

    no monthly service fee

    Axos Bank Rewards Checking

    Axos has strong high-yield savings, checking, and money market accounts. if you'd like to avoid monthly service fees.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    up to 3.30%

    Minimum Deposit Amount

    $50

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. High APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited out-of-network ATM reimbursements Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly maintenance fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. No overdraft fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. No non-sufficient funds fees

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $50 opening deposit Dash icon A dash. It often indicates an interaction to shrink a section. No APY if you can't meet qualifications Dash icon A dash. It often indicates an interaction to shrink a section. Few mobile app reviews Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Use promo code SUNNYBONUS and apply by December 31st, to earn up to a $300 bonus!
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
  • Only $50 to open an account
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Axos Bank has great high-yield savings, checking, and money market accounts.

    How to contact customer support: Customer service representatives are available over the phone or through online chat. 

    5. Blue Federal Credit Union

    NOVA Perks™ by Blue Checking Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Fees

    up to $9 monthly service fee

    NOVA Perks™ by Blue Checking Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Fees

    up to $9 monthly service fee

    Blue Federal Credit Union, NCUA insured.

    NOVA Perks™ by Blue Checking Account

    Blue Federal Credit Union, NCUA insured.

    Details

    Fees

    up to $9 monthly service fee

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Perks such as roadside assistance, ID theft aid, cell phone protection, and more Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy to waive monthly fee on Basic plan Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn’t charge out-of-network ATM fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection when you automatically transfer funds from savings

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $8 monthly fee for Basic plan if you don’t meet requirements to waive Dash icon A dash. It often indicates an interaction to shrink a section. $7 per month for Premium plan and $9 per month for Premium plan, with no options to waive Dash icon A dash. It often indicates an interaction to shrink a section. Doesn’t refund any fees charged by out-of-network ATMs Dash icon A dash. It often indicates an interaction to shrink a section. $35 non-sufficient funds fee and $30 overdraft fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • 20 branches in Colorado and Wyoming, and you can open accounts online from around the US
  • 30,000 free ATMs and 5,000 shared branches in the Co-op network
  • The easiest way to become a member of Blue FCU is to donate $5 to the Blue Foundation; you’ll also qualify if you work for a Select Employee Group or one of several armed forces groups
  • NOVA Basic plan is free if you complete one transaction per month or maintain a minimum $8 balance; otherwise, you’ll pay an $8 monthly service fee
  • Basic plan includes online and mobile banking, bill pay, a debit card, and eStatements
  • Premium plan costs $7/month; includes everything you get with Basic, plus buyer’s protection and extended warranty, ID theft aid, roadside assistance, health savings card, cell phone protection, BaZing savings when you shop local, and accidental death coverage
  • Elite plan costs $9/month; includes everything you get with Premium (with higher limits on buyer’s protection and extended warranty, ID theft aid, cell phone protection, and accidental death coverage), plus Billshark to negotiate bills, rebates on loans, and higher rates on term shares
  • Elite plan only costs $7/month for military, first responders, and students age 23 or under
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: The NOVA Perks™ by Blue Checking Account is the credit union's most unique account; it comes with perks like roadside assistance and cell phone protection. Depending on which tier you choose, though, you might have to pay a fee.

    How to contact customer support: Customer service representatives are available over the phone. 

    6. Capital One 360

    Capital One 360 Performance Savings

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.30% (as of 7/21/23)

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Capital One 360 Performance Savings

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.30% (as of 7/21/23)

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Capital One 360 Performance Savings

    Capital One is a strong bank overall. You'll earn competitive interest rates on online savings accounts and CDs.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    4.30% (as of 7/21/23)

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy to save for various goals Check mark icon A check mark. It indicates a confirmation of your intended interaction. 24/7 live chat

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Limited access to customer service by phone Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Over 280 branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
  • Interest compounded daily, paid monthly
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Capital One 360 pays competitive interest rates on savings, checking, and certificates.

    How to contact customer support: Customer service representatives are available via online chat.

    7. Charles Schwab

    Schwab Bank High Yield Investor Checking® Account

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.45%

    Minimum Deposit Amount

    $0

    Schwab Bank High Yield Investor Checking® Account

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.45%

    Minimum Deposit Amount

    $0

    Charles Schwab, FDIC Insured

    Schwab Bank High Yield Investor Checking® Account

    Charles Schwab, FDIC Insured

    Charles Schwab is a strong bank for travelers, but if you're looking for high interest rates, you're better off with another online bank.

    Details

    Annual Percentage Yield (APY)

    0.45%

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum account balance Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited out-of-network ATM reimbursements Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Must also open a Schwab One brokerage account Dash icon A dash. It often indicates an interaction to shrink a section. $25 overdraft fee if you don't enroll in protection Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • 24/7 live online chat
  • No ATM network, but unlimited ATM fee reimbursements
  • Interest compounded daily, paid monthly
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: The Schwab Bank High Yield Investor Checking® Account is its most appealing account, with no minimum opening deposit or monthly fees. Charles Schwab also doesn't charge foreign transaction fees and offers unlimited refunds for out-of-network ATM fees. 

    How to contact customer support: Customer service representatives are available via online chat.

    8. Chase

    Chase Savings℠

    3.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)

    0.01% (as of 3/24/2023)

    Minimum Deposit Amount

    $0

    Fees

    $5 monthly service fee

    Chase Savings℠

    3.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Annual Percentage Yield (APY)

    0.01% (as of 3/24/2023)

    Minimum Deposit Amount

    $0

    Fees

    $5 monthly service fee

    Chase Savings℠

    Details

    Fees

    $5 monthly service fee

    Annual Percentage Yield (APY)

    0.01% (as of 3/24/2023)

    Interest rates are variable and subject to change

    Show more

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Relatively easy to waive $5 monthly fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Link to a Chase checking account for free overdraft protection

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Low APY Dash icon A dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily Dash icon A dash. It often indicates an interaction to shrink a section. $5 monthly service fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Access to 15,000 Chase ATMs and over 4,700 branches
  • Link this account to your Chase checking account for Overdraft Protection
  • Waive $5 monthly service when you maintain a $300 balance, automatically transfer $25 each month from your Chase checking account, link to Chase College Checking for Overdraft Protection, link to a qualifying Chase checking account, or are under age 18
  • Manage your accounts, deposit checks, transfer money and more — all from your device
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
  • Member FDIC
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Chase has over 4,700 branches in 33 states. It's a good option if you want a large ATM and branch network.

    How to contact customer support: Customer service representatives are available over the phone. 

    9. Chime*

    Chime Savings Account

    4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    2.00%

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Chime Savings Account

    4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    2.00%

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Chime Savings Account

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    2.00%

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to round debit card purchases to the nearest dollar and put spare change in savings account Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to automatically save a percentage of your paycheck

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Must open Chime Spending Account before savings account Dash icon A dash. It often indicates an interaction to shrink a section. Deposit cash at Green Dot locations, which may charge fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Round debit card purchases to the nearest dollar to put spare change into savings account
  • Set up a percentage of your paychecks to be put into savings account
  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Chime has solid checking and savings accounts. There are no monthly fees or minimum opening deposit required.

    How to contact customer support: Customer service representatives are available over the phone, by live chat in the app, or through email.

    *Chime is an online banking platform, not a bank.

    10. CIT Bank

    CIT Bank Savings Connect Account

    4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.65%

    Minimum Deposit Amount

    $100

    Fees

    no monthly service fee

    CIT Bank Savings Connect Account

    4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.65%

    Minimum Deposit Amount

    $100

    Fees

    no monthly service fee

    CIT Bank Savings Connect Account

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    4.65%

    Minimum Deposit Amount

    $100

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum monthly balance requirement

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $100 minimum opening deposit Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Interest compounded daily, paid monthly
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: CIT Bank's most appealing account is the CIT Bank Savings Connect Account. The account has a competitive interest rate that's higher than the average savings account.

    How to contact customer support: Customer service representatives are available via online chat.

    11. Citi® Accelerate Savings

    Citi® Accelerate Savings

    3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.25% (vary by location)

    Minimum Deposit Amount

    $0

    Fees

    $4.50 monthly service fee

    Citi® Accelerate Savings

    3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.25% (vary by location)

    Minimum Deposit Amount

    $0

    Fees

    $4.50 monthly service fee

    Citi® Accelerate Savings

    You might like Citi if you live in one of the areas that offers the Citi® Accelerate Savings account, so you can earn a higher savings rate than the national average. The best high-yield savings accounts, however, offer even more competitive savings rates.

    Details

    Fees

    $4.50 monthly service fee

    Annual Percentage Yield (APY)

    4.25% (vary by location)

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. High APY (minimum $1 balance to earn) Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. You may pay a monthly fee, depending on a variety of factors Dash icon A dash. It often indicates an interaction to shrink a section. Other fees depend on which checking account you link to your savings account Dash icon A dash. It often indicates an interaction to shrink a section. Not available in certain states Dash icon A dash. It often indicates an interaction to shrink a section. BBB gives Citi an F in trustworthiness Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Monthly fee depends on whether you link to a Citi checking account, and which checking account you choose
  • You may qualify to have the monthly fee waived, depending on which checking/savings package you have
  • No opening deposit
  • Compounding interest to maximize your savings
  • Not available in CA, CT, MD, NV, NJ, NY, VA, DC, certain parts of FL or IL
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Citi's strongest product is its Citi® Accelerate Savings. You can earn a high interest rate if you deposit at least $1.

    How to contact customer support: Customer service representatives are available over the phone. 

    12. Consumers Credit Union

    Consumers Credit Union Free Rewards Checking Account

    3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.01% to 5.00%

    Minimum Deposit Amount

    $5

    Fees

    no monthly service fee

    Consumers Credit Union Free Rewards Checking Account

    3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.01% to 5.00%

    Minimum Deposit Amount

    $5

    Fees

    no monthly service fee

    Consumers Credit Union, NCUA insured.

    Consumers Credit Union Free Rewards Checking Account

    Consumers Credit Union, NCUA insured.

    You'll find Consumers Credit Union appealing if you enjoy online banking or live near Chicago, Illinois. The credit union has one of the best high-yield checking accounts right now, with a low minimum opening deposit and zero monthly fees.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    0.01% to 5.00%

    Minimum Deposit Amount

    $5

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. High APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Early direct deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited reimbursements for out-of-network ATM fees

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $10 overdraft transfer charge Dash icon A dash. It often indicates an interaction to shrink a section. Limited customer support availability Dash icon A dash. It often indicates an interaction to shrink a section. Interest compounds monthly, not daily Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5
  • 14 open branches in Chicago, Illinois, and nearby cities
  • Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network
  • Earn 3.00% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits
  • Earn 4.00% on balances up to $10k when you meet qualifications for 3.00% and spend $500/month with your CCU credit card
  • Earn 5.00% on balances up to $10k when you meet qualifications for 3.00% and spend $1,000/month with your CCU credit card
  • Earn 0.20% APY on balances between $10k and $25k
  • Earn 0.10% APY on balances over $25k
  • If you don't meet the requirements to earn a rewards interest rate, you'll earn 0.01% APY and you won't get ATM refunds
  • Interest compounded and deposited monthly
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Consumers Credit Union has a strong rewards checking account. You can earn a high interest rate if you meet the requirements.

    How to contact customer support: Customer service representatives are available via online chat.

    Delta Community Credit Union CD

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    3.75% to 5.00%

    Minimum Deposit Amount

    $1,000

    Delta Community Credit Union CD

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    3.75% to 5.00%

    Minimum Deposit Amount

    $1,000

    Delta Community Credit Union CD

    Details

    Annual Percentage Yield (APY)

    3.75% to 5.00%

    Minimum Deposit Amount

    $1,000

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low-to-standard early withdrawal penalties

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $1,000 opening deposit Dash icon A dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
  • Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
  • Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
  • Term lengths of 6, 12, 24, 36, or 60 months
  • Early withdrawal penalties ranging from 60 to 270 days interest
  • Interest is compounded monthly and paid monthly
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Delta Community Credit Union's strongest products are its share certificates. You can get a competitive interest rate. If you need to withdraw money early, its penalties are lower than other institutions.

    How to contact customer support: Customer service representatives are available over the phone. 

    14. Discover Bank

    Discover Online Savings Account

    4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.30% (as of 7/27/23)

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Discover Online Savings Account

    4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.30% (as of 7/27/23)

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Discover Bank, Member FDIC

    Discover Online Savings Account

    Discover Bank, Member FDIC

    The best high-yield savings accounts offer competitive interest rates and low fees, and the Discover Online Savings Account comes with both: You'll earn 4.30% (as of 7/27/23) APY while paying zero account fees. The $0 minimum opening deposit might be especially attractive to new savers who might not meet the higher initial deposits some banks require.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    4.30% (as of 7/27/23)

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No insufficient funds fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. No excess withdrawal fee

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Only 1 branch location Dash icon A dash. It often indicates an interaction to shrink a section. No debit card unless you open a checking account Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • No monthly balance requirements
  • 100% US-based customer service available 24/7
  • No hidden fees
  • Interest compounded daily, paid monthly
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Discover Bank has a great online savings account. You can earn a high interest rate, and you don't have to deal with monthly fees. 

    How to contact customer support: Customer service representatives are available over the phone or through online chat. 

    15. Falcon International Bank

    Falcon International Bank Regular Checking Account

    3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $100

    Fees

    no monthly service fee

    Falcon International Bank Regular Checking Account

    3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $100

    Fees

    no monthly service fee

    On Falcon International Bank's website

    Falcon International Bank Regular Checking Account

    On Falcon International Bank's website

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $100

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. MasterCard debit card offering

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $100 minimum opening deposit Dash icon A dash. It often indicates an interaction to shrink a section. $35 overdraft fee Dash icon A dash. It often indicates an interaction to shrink a section. $5 fee for paper statements Dash icon A dash. It often indicates an interaction to shrink a section. $4 transaction fee for out-of-network ATMs Dash icon A dash. It often indicates an interaction to shrink a section. $5 fee if you don't use your account after 90 days Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Hispanic American-owned
  • 22 ATM locations, $4 transaction fee for out-of-network ATMs
  • With overdraft protection there is a $35 charge
  • 18 branches in Texas
  • Member FDIC
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Falcon International Bank has a good checking account for Texas residents. With the Falcon International Bank Regular Checking Account, there's no minimum opening deposit and zero monthly service fees.

    How to contact customer support: Customer service representatives are available over the phone.

    16. FirstBank

    FirstBank Anywhere Checking Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    FirstBank Anywhere Checking Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    FirstBank Anywhere Checking Account

    Details

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Overdraft protection available

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM fee Dash icon A dash. It often indicates an interaction to shrink a section. $34 overdraft fee Dash icon A dash. It often indicates an interaction to shrink a section. $20/year or $10/day overdraft transfer fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Access to over 100 locations and 200 ATMs in AZ, CA, CO
  • Overdraft protection plans that lets you link your checking account to a savings account
  • If you utilize overdraft protection, there's either a $20/year or $10/day transfer fee
  • Member FDIC

    • Standout feature: FirstBank has over 100 branches in Arizona, California, and Colorado. Its checking account has a $0 minimum opening deposit and charges zero monthly service fees.

    How to contact customer support: Customer service representatives are available over the phone.

     17. International Bank of Commerce

    International Bank of Commerce Free Checking Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $10

    Fees

    no monthly service fee

    International Bank of Commerce Free Checking Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $10

    Fees

    no monthly service fee

    International Bank of Commerce, FDIC Insured.

    International Bank of Commerce Free Checking Account

    International Bank of Commerce, FDIC Insured.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $10

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited check writing Check mark icon A check mark. It indicates a confirmation of your intended interaction. Overdraft protection

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $35 overdraft fee Dash icon A dash. It often indicates an interaction to shrink a section. $2 out-of-network transaction fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Hispanic American-led bank
  • 186 branches throughout Texas and Oklahoma
  • Over 280 free ATMs
  • $2 fee on each out-of-network ATM transaction
  • Member FDIC
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: International Bank of Commerce has a good free checking account. This Hispanic American bank has 186 branches in Texas and Oklahoma. 

    How to contact customer support: Customer service is available over the phone.

    18. KeyBank

    KeyBank Smart Checking Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $10

    Fees

    no monthly service fee

    KeyBank Smart Checking Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $10

    Fees

    no monthly service fee

    KeyBank Smart Checking Account

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $10

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum balance Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free overdraft protection Check mark icon A check mark. It indicates a confirmation of your intended interaction. Account alerts to avoid overdrawing Check mark icon A check mark. It indicates a confirmation of your intended interaction. $10 minimum opening deposit

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $3 out-of-network ATM fee Dash icon A dash. It often indicates an interaction to shrink a section. $20 overdraft fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Over 900 branches in 16 states across the US
  • Over 50,000 free ATMs through the KeyBank and Allpoint ATM networks
  • To avoid overdraft fees, you may link your checking account to a savings account or get a a line of credit
  • Key Cover Zone allows you to overdraw up to $20 from your account and you won't be charged overdraft fees as long as you restore your account balance by the end of the day
  • Member FDIC
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: KeyBank offers a checking account with zero monthly service fees and free overdraft protection.

    How to contact customer support: Customer service is available over the phone.

    Latino Community Credit Union Savings Account

    3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.15%

    Minimum Deposit Amount

    $10

    Fees

    $2 monthly service fee

    Latino Community Credit Union Savings Account

    3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.15%

    Minimum Deposit Amount

    $10

    Fees

    $2 monthly service fee

    Laredo Federal Credit Union, NCUA insured.

    Latino Community Credit Union Savings Account

    Laredo Federal Credit Union, NCUA insured.

    Details

    Fees

    $2 monthly service fee

    Annual Percentage Yield (APY)

    0.15%

    Minimum Deposit Amount

    $10

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. $10 minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY compared to brick-and-mortar banks Check mark icon A check mark. It indicates a confirmation of your intended interaction. Easy to waive the monthly service fee

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $2 monthly service fee Dash icon A dash. It often indicates an interaction to shrink a section. $10 needed in account daily Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Credit union that serves a Hispanic American community
  • 15 branches in North Carolina (Charlotte, Piedmont Triad, Triangle)
  • To become a member, you will need to join the Latino Community Development Center and pay a one-time $8 membership fee
  • Access to over 1,300 free Cashpoints ATMs throughout North Carolina
  • To earn APY, keep at least $10 in your account daily
  • To waive the monthly service fee, keep at least $10 in your account daily
  • Interest compounded daily, deposited monthly
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Latino Community Credit Union is a Hispanic American-led credit union in North Carolina with several services geared toward Latinos, including customer support in Spanish and English. The Latino Community Credit Union Savings Account is the credit union's strongest account with no monthly fees. 

    How to contact customer support: Customer service is available over the phone. You can also send a secure message through online banking.

    20. Navy Federal Credit Union

    Navy Federal Free Active Duty Checking™ Account

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.05%

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Navy Federal Free Active Duty Checking™ Account

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.05%

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Navy Federal Free Active Duty Checking™ Account

    Navy Federal Credit Union is one of the best institutions for the military. Its strongest features are probably its 24/7 live customer support and out-of-network ATM refunds.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    0.05%

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Refunds up to $20 per month in out-of-network ATM fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Receive direct deposits one day before payday Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee if you set up military direct deposits Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free personalized checks Check mark icon A check mark. It indicates a confirmation of your intended interaction. 3 overdraft protection options: savings transfer, line of credit, or optional overdraft protection service

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily Dash icon A dash. It often indicates an interaction to shrink a section. Free Active Duty Checking is only for active military, retired military, or reservists Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Available to active military, retired military, or reservists
  • Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
  • 354 branches worldwide, including on select military bases
  • 30,000 free ATMs
  • Interest compounded monthly, paid monthly
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Navy Federal Credit Union has solid account options if you're affiliated with the military. The Navy Federal Free Active Duty Checking™ Account is one of the bank's strongest accounts with the option of early direct deposit. 

    How to contact customer support: Customer service is available over the phone.

    21. Premier Members Credit Union

    Premier Members Credit Union Money Market Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.50% to 5.00%

    Minimum Deposit Amount

    $5

    Fees

    no monthly service fee

    Premier Members Credit Union Money Market Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.50% to 5.00%

    Minimum Deposit Amount

    $5

    Fees

    no monthly service fee

    Premier Members Credit Union Money Market Account

    The Premier Members Credit Union Money Market Account is solid money market account that offers an especially high interest rate on low account balances.

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    0.50% to 5.00%

    Minimum Deposit Amount

    $5

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive interest rates for low balances Check mark icon A check mark. It indicates a confirmation of your intended interaction. $5 opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Paper checks Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Less competitive interest rates for high balances Dash icon A dash. It often indicates an interaction to shrink a section. Interest compounds monthly, not daily Dash icon A dash. It often indicates an interaction to shrink a section. No debit or ATM card Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • 17 branches in Colorado, or open an account online from around the US
  • Over 5,000 shared branches in the US
  • There are many ways to become a member if you live in Colorado, or join Impact on Education if you don't otherwise qualify
  • Reverse-tiered account, with 7 tiers
  • Earn high rates on balances under $10,000, with highest rates under $2,000
  • Interest compounded monthly, paid monthly
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: The Premier Members Credit Union Money Market Account is the credit union's standout product. It pays a high interest rate on low balances. 

    How to contact customer support: Customer service is available over the phone.

    22. Regions Bank

    Regions LifeGreen® Savings Account

    3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.01%

    Minimum Deposit Amount

    $5 at a branch, $50 online

    Fees

    no monthly service fee

    Regions LifeGreen® Savings Account

    3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.01%

    Minimum Deposit Amount

    $5 at a branch, $50 online

    Fees

    no monthly service fee

    Regions Bank, Member FDIC

    Regions LifeGreen® Savings Account

    Regions Bank, Member FDIC

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    0.01%

    Minimum Deposit Amount

    $5 at a branch, $50 online

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. You could earn a 1% annual savings bonus Check mark icon A check mark. It indicates a confirmation of your intended interaction. $5 minimum deposit when opened at a branch

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $50 minimum deposit when opened online Dash icon A dash. It often indicates an interaction to shrink a section. Low APY Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • 1,300 branch locations in 15 states
  • 2,000 free ATMs
  • To earn the 1% annual bonus (up to $100), set up monthly automatic transfers from your Regions checking account to your LifeGreen Savings account
  • Interested compounded daily, paid monthly
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Regions Bank is featured on their best national banks guide. It has about 1,300 branch locations in 15 states and is a good option if you are searching for a bank with a national presence. 

    How to contact customer support: Customer service is available over the phone.

    23. River City Federal Credit Union

    River City Federal Credit Union Share Certificate

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.00% to 4.80%

    Minimum Deposit Amount

    $500

    River City Federal Credit Union Share Certificate

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    4.00% to 4.80%

    Minimum Deposit Amount

    $500

    On River City Federal Credit Union's website

    River City Federal Credit Union Share Certificate

    On River City Federal Credit Union's website

    Details

    Annual Percentage Yield (APY)

    4.00% to 4.80%

    Minimum Deposit Amount

    $500

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. $500 minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive interest rate, especially on long-term share certificates Check mark icon A check mark. It indicates a confirmation of your intended interaction. Standard term options

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Standard early withdrawal penalties Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Credit union that serves a Hispanic American community
  • 5 branches in San Antonio, Texas, plus part of the Co-op Shared network branches
  • You can join if you live, work, or go to school in Bexar County
  • Terms range from 6 months to 5 years
  • Early withdrawal penalties: 90 days of interest on 6-month and 1-year terms; 180 days of interest on 2-year terms; 1 year of interest on 3-year and 4-year terms; 2 years of interest on 5-year terms
  • Interest compounded and deposited monthly
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: River City Federal Credit Union is a Hispanic American-led institution in Texas. It has share certificates with competitive interest rates and a $500 minimum opening deposit.

    How to contact customer support: Customer service is available over the phone.

    24. State Employees Credit Union

    State Employees Credit Union Share Account

    3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.10%

    Minimum Deposit Amount

    $25

    State Employees Credit Union Share Account

    3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.10%

    Minimum Deposit Amount

    $25

    State Employees Credit Union Share Account

    Details

    Annual Percentage Yield (APY)

    0.10%

    Minimum Deposit Amount

    $25

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. Better interest rate than some brick-and-mortar banks

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Online banks offer a higher interest rate Dash icon A dash. It often indicates an interaction to shrink a section. Must have $25 in account to maintain membership Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • 273 branches in North Carolina
  • Access to 1,100 ATMs in North Carolina
  • Interest compounded and deposited monthly
  • Federally insured by the NCUA

    • Standout feature: State Employees Credit Union has over 273 locations and 1,100 free ATMs in North Carolina. Its checking and savings accounts have low minimum opening deposits and low monthly service fees. 

    How to contact customer support: Customer service is available over the phone.

    25. Service Credit Union

    Service Everyday Checking Account

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Service Everyday Checking Account

    4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Service Credit Union, Member NCUA

    Service Everyday Checking Account

    Service Credit Union, Member NCUA

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn up to $30 per month in out-of-network ATM refunds, depending on tier level Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn up to 0.75% discount on certain loans, depending on tier level Check mark icon A check mark. It indicates a confirmation of your intended interaction. Get paid up to 2 days early Check mark icon A check mark. It indicates a confirmation of your intended interaction. Transfer funds from savings for overdraft protection

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. No ATM fee refunds or loan discounts for Basic tier Dash icon A dash. It often indicates an interaction to shrink a section. Limited fee refunds and loan discounts for Direct Deposit tier Dash icon A dash. It often indicates an interaction to shrink a section. $5 overdraft transfer fee (no fee for Direct Deposit + tier) Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council
  • Branches and ATMs in the US and Europe
  • Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +
  • Basic doesn't reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans
  • Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Service Credit Union has solid account options if you're affiliated with the military and live in New Hampshire or Massachusetts. The Service Everyday Checking Account offers a high interest rate if you meet the requirements. 

    How to contact customer support: Customer service is available over the phone.

    26. Security Service Federal Credit Union

    Security Service Power Checking Account

    4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Security Service Power Checking Account

    4.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Security Service Power Checking Account

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    None

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Overdraft protection available as a transfer from savings or as a line of credit

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. $1.50 out-of-network ATM fee Dash icon A dash. It often indicates an interaction to shrink a section. Doesn't reimburse fees charged by out-of-network ATM providers Dash icon A dash. It often indicates an interaction to shrink a section. $2 overdraft transfer fee when you exceed 3 transfers per month Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Join Security Service FCU if you are a member of select military branches at certain military bases; are an employee of the Department of Defense; live, work, worship, study, volunteer, or have a business in CO, TX, or UT; are related to someone who is already a Security Service FCU member
  • 67 branches in CO, TX, and UT; 5,000 shared branches in the CO-OP network
  • Over 30,000 free ATMs in the Security Service FCU, CO-OP, and Stripes networks
  • Federally insured by the NCUA
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Security Service Credit Union has solid account options if you're affiliated with the military and live, work, or study in Colorado, Texas, and Utah. The Security Service Power Checking Account has zero monthly fees. 

    How to contact customer support: Customer service representatives are available via online chat.

    27. Synchrony

    Synchrony Money Market Account

    4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    2.25%

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Synchrony Money Market Account

    4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    2.25%

    Minimum Deposit Amount

    $0

    Fees

    no monthly service fee

    Synchrony Bank, Member FDIC

    Synchrony Money Market Account

    Synchrony Bank, Member FDIC

    Details

    Fees

    no monthly service fee

    Annual Percentage Yield (APY)

    2.25%

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comes with an ATM card and paper checks

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. No physical branch locations Dash icon A dash. It often indicates an interaction to shrink a section. Only reimburses $5/month in out-of-network ATM fees Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Access your cash online, by phone, or via ATM
  • No opening deposit or minimum account balance
  • Comes with a debit card and paper checks
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: Synchrony Bank pays high interest rates on savings and money market accounts. 

    How to contact customer support: Customer service representatives are available via online chat.

    28. TD Bank

    TD Simple Savings Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.02%

    Minimum Deposit Amount

    $0

    Fees

    $5 monthly service fee

    TD Simple Savings Account

    4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.02%

    Minimum Deposit Amount

    $0

    Fees

    $5 monthly service fee

    TD Simple Savings Account

    TD Bank Signature Savings Account pays a higher interest rate than the TD Simple Savings Account on balances of $10,000 or more. However, to get the most out of this account, you'll need to qualify for a relationship rate and meet one of the requirements to waive the TD Signature Savings - Fees Display. Ultimately, you can find much better rates with the best online banks.

    Details

    Fees

    $5 monthly service fee

    Annual Percentage Yield (APY)

    0.02%

    Minimum Deposit Amount

    $0

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly fee for students, or for adults under age 24 or age 62 or older Check mark icon A check mark. It indicates a confirmation of your intended interaction. No monthly fee for the first 12 months, with recurring monthly deposits of $25 Check mark icon A check mark. It indicates a confirmation of your intended interaction. Mobile check deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Low APY Dash icon A dash. It often indicates an interaction to shrink a section. $5 monthly service fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • No monthly service fee for students, adults under age 24 or age 62 or older
  • Waive $5 monthly service fee by maintaining $300 minimum daily balance
  • No monthly fee for the first 12 months if you make recurring $25 monthly deposits
  • Interest compounded daily
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: TD Bank is featured on their best national banks guide. It has over 1,200 branches across 16 states and is a solid option if you're looking for banks with a national presence.

    How to contact customer support: Customer service is available over the phone.

    29. U.S. Bank

    U.S. Bank Standard Savings Account

    3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.01%

    Minimum Deposit Amount

    $25

    Fees

    $4 monthly service fee

    U.S. Bank Standard Savings Account

    3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.01%

    Minimum Deposit Amount

    $25

    Fees

    $4 monthly service fee

    U.S. Bank Standard Savings Account

    U.S. Bank is included in their best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.

    Details

    Fees

    $4 monthly service fee

    Annual Percentage Yield (APY)

    0.01%

    Minimum Deposit Amount

    $25

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. You may qualify to waive the monthly fee

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Low APY Dash icon A dash. It often indicates an interaction to shrink a section. $4 monthly service fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Earn up to $400 with a new Standard Savings account.
  • •Make new money deposit(s) totaling $25,000 to $49,999.99 to earn $200 or $50,000 or more to earn $400 by September 30, 2023 •Maintain that balance until March 31, 2024
  • Earn an additional $100 for opening both the Standard Savings account and the U.S. Bank Smartly® Checking
  • Over 2,000 branches in 26 US states
  • Free access to around 4,700 ATMs
  • Waive $4 monthly service fee by maintaining a $300 daily balance, OR average $1,000 monthly balance, OR being under age 18
  • Interest compounded daily, paid monthly
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Standout feature: U.S. Bank is featured on their best national banks guide. It has over 3,000 branches across 26 states and is a good option if you're looking for banks with a national presence.

    How to contact customer support: Customer service is available over the phone.

    30. Wells Fargo

    Wells Fargo Way2Save® Savings Account

    2.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.15%

    Minimum Deposit Amount

    $25

    Fees

    $5 monthly service fee

    Wells Fargo Way2Save® Savings Account

    2.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star

    Annual Percentage Yield (APY)

    0.15%

    Minimum Deposit Amount

    $25

    Fees

    $5 monthly service fee

    Wells Fargo Way2Save® Savings Account

    Details

    Fees

    $5 monthly service fee

    Annual Percentage Yield (APY)

    0.15%

    Minimum Deposit Amount

    $25

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Pros

    Check mark icon A check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark icon A check mark. It indicates a confirmation of your intended interaction. Automatic savings feature

    Cons

    Dash icon A dash. It often indicates an interaction to shrink a section. Low APY Dash icon A dash. It often indicates an interaction to shrink a section. $5 monthly service fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

  • Approximately 4,900 branches and 12,000 ATMs
  • Waive $5 monthly service fee by maintaining a $300 daily balance, OR setting up automatic savings options, OR be under age 24 and the primary account owner OR transferring $25 or more from a linked Wells Fargo checking account, or have 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account
  • Save As You Go® transfers $1 into your Way2Save Savings Account from checking each time you swipe your debit card
  • Interest compounded daily, paid monthly
  • FDIC insured
    • Additional memorizing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    Why it stands out: Wells Fargo has a large national presence, with approximately 4,900 branches and 12,000 ATMs around the US.

    How to contact customer support: The bank offers 24/7 customer service over the phone.


    Commonly Asked Questions

    Although there is no one profile that perfectly defines the student for whom C-Print captioning will be appropriate, below are a few general guidelines to help determine if a student is a potential candidate.

  • Students whose preferred mode of communication is English
  • Students who have a significant enough hearing loss that makes it difficult to follow classroom lessons
  • Students whose memorizing level allows for memorizing the text of the lesson (at least a 4th grade memorizing level is a general rule of thumb)
  • Students who know little or no sign language
  • Student who are deaf or hard of hearing and who also have a visual impairment (the font size may be enlarged)

    • Some students may benefit from interpreting and C-Print captioning, so they prefer captioning for some classes, such as those that are primarily lecture, and an interpreter for other classes that are primarily discussion.

    Special Populations

    Although the focus of the C-Print team’s research has been with deaf and hard-of-hearing students, students with other needs may also benefit from C-Print services (for example, students with visual impairments, learning disabilities, attention deficit disorder, fine motor difficulty, and students for whom English is a second language). This may require modifications of font size and/or text so that the service is structured to meet the needs of the individual student.


    		  




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