10 Questions To Ask Before Opening A Checking AccountEditorial 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: 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: 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 LineThe 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 phoneOur 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. Thanks for signing up! Access your favorite syllabus in a personalized feed while you're on the go. obtain the app 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 UnionAlliant 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 starAnnual 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 starAnnual 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 feeCons 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 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 BankAlly Savings Account 4.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starAnnual 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 starAnnual 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 accountCons 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 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 starAnnual 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 starAnnual 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 feeCons 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 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 BankAxos 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 starAnnual 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 starAnnual 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 feesCons 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 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 UnionNOVA 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 starAnnual 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 starAnnual 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 savingsCons 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 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 360Capital 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 starAnnual 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 starAnnual 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 chatCons 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 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 SchwabSchwab 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 starAnnual 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 starAnnual 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 protectionCons 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 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. ChaseChase 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 protectionCons 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 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 starAnnual 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 starAnnual 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 paycheckCons 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 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 BankCIT 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 starAnnual 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 starAnnual 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 requirementCons 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 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 SavingsCiti® Accelerate Savings 3.75/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starAnnual 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 starAnnual 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 depositCons 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 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 UnionConsumers 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 starAnnual 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 starAnnual 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 feesCons 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 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 starAnnual 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 starAnnual 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 penaltiesCons 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 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 BankDiscover 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 starAnnual 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 starAnnual 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 feeCons 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 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 BankFalcon 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 starAnnual 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 starAnnual 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 offeringCons 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 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. FirstBankFirstBank Anywhere Checking Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starAnnual 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 starAnnual 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 availableCons 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 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 CommerceInternational 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 starAnnual 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 starAnnual 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 protectionCons 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 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. KeyBankKeyBank Smart Checking Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starAnnual 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 starAnnual 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 depositCons 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 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 starAnnual 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 starAnnual 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 feeCons 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 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 UnionNavy 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 starAnnual 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 starAnnual 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 serviceCons 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 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 UnionPremier 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 starAnnual 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 starAnnual 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 feeCons 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 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 BankRegions 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 starAnnual 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 starAnnual 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 branchCons 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 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 UnionRiver 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 starAnnual 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 starAnnual 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 optionsCons 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 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 UnionState 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 starAnnual 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 starAnnual 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 banksCons 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 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 UnionService 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 starAnnual 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 starAnnual 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 protectionCons 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 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 UnionSecurity 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 starAnnual 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 starAnnual 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 creditCons 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 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. SynchronySynchrony 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 starAnnual 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 starAnnual 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 checksCons 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 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 BankTD Simple Savings Account 4/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed starAnnual 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 starAnnual 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 depositCons 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 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. BankU.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 starAnnual 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 starAnnual 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 feeCons 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 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 FargoWells 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 starAnnual 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 starAnnual 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 featureCons 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 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 QuestionsAlthough 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. 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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