Poland
English
Czech
Best Online Savings Accounts of 2024
- Grow your savings with high-APY accounts
- 24/7, easy-to-use, secure banking tools
Get the funds you need and thousands on payments with low interest rates. Compare top personal loans and find your best deal today.
1
Best for Large Deposits
8.6
Ezeebrand score
SoFi Checking and Savings
The savings account to help you reach your financial goals
Earn up to 4.60% APY with direct deposit
- No minimum balances
- Earn up to $300 with direct deposit, terms apply
- No monthly service fees
- Get up to $2M in additional FDIC Insurance through the SoFi Insured Deposit Program
2
9.0
Ezeebrand score
Synchrony
4.75% Annual Percentage Yield with no min to earn
- No monthly fees
- Member FDIC
- Control accounts from your smartphone or tablet
3
8.8
Ezeebrand score
Upgrade - Premier Savings
Exceptional savings opportunities
- Earn 5.21% APY on a balance of $1,000+
- No monthly account fees
- Credit Score: Poor/Fair/Good/ Excellent
4
8.7
Ezeebrand score
American Express National Bank
$ 4.30% Annual Percentage Yield as of Apr 12th 2024, Terms Apply
- Member FDIC
- Link account to Quicken or QuickBooks
- $0 monthly fees, competitive rates, $1 min to earn
5
8.6
Ezeebrand score
CIT Bank Platinum Savings
$5,000 minimum balance for highest rate
- Up to 5.05% APY
- No account opening or maintenance fees
- FDIC insured
6
9.0
Ezeebrand score
Western Alliance Bank High-Yield Savings Premier
Earn more with a secured savings account
- Earn 5.36% APY*
- No account activity or maintenance fees
- Member FDIC
7
9.0
Ezeebrand score
Discover® Bank Cashback Debit Checking
Zero fees and cashback rewards
Apply online in minutes
- 1% cash back on debit purchases. See website for details
- No. Fees. Period.
- Get paid early with direct deposit
- Fee-free overdraft protection transfer service
8
8.8
Ezeebrand score
Chime®
Safe, secure & trusted by millions
Millions of users
- No monthly fees or minimums
- Get paid up to 2 days earlyˆ with direct deposit
- Fee-Free Overdraft up to $200* with SpotMe®
- Fee-Free Overdraft up to $200* with SpotMe®
9
9.0
Ezeebrand score
Varo Bank
Zero monthly fees for checking & savings
- Live customer service available all week
- Automatic savings options available
- Earn 3.00% APY & qualify to earn up to 5.00% APY¹
10
8.4
Ezeebrand score
Lending for Bad Credit
No-obligation loan request
- APR: 5.99% - 35.99%
- Loan Term: 2-180 months
- Credit Score: Poor/Fair/Good/ Excellent
41,801 visitors
chose an account with Ezeebrand this week
Ezeebrand Total Score
Our product scores consist of a combination of the following 3 components:
Ezeebrand measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. Ezeebrand
accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The Ezeebrand Total Score will consist of the brand’s reputation from Semrush. The brand reputation is based on Semrush’s analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand’s prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the Ezeebrand’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand’s Products & Services Score, it will not be included in its calculation. Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Ezeebrand’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand’s Products & Services Score, it will not be included in its calculation.
Editorial Reviews
Discover® Bank Cashback Debit Checking
Chime®
SoFi Checking and Savings
Our Top Choice
9.0
Ezeebrand score
Discover® Bank Cashback Debit Checking
Zero fees and cashback rewards
Apply online in minutes
- 1% cash back on debit purchases. See website for details
- No. Fees. Period.
- Get paid early with direct deposit
- Fee-free overdraft protection transfer service
Review Our Top Personal Loan Choices
No fees at all
FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
24/7 service with multiple communication options, dedicated fraud team
User friendly site with full online banking capabilities
Excellent mobile app with all mobile banking features enabled, including digital check deposits
Pros
- 1% cash back on debit purchases. See website for details
- No fees
- Comprehensive fraud protection
Cons
- Only one physical branch location
- No interest paid on the checking account
No monthly fees
SSL/AES encryption and supports 2 factor and biometric authentication
24/7 Live Support
Excellent user friendly site with transparency of rates and full online banking capabilities
Excellent mobile app with all mobile banking features enabled, including digital check deposits
Pros
- Get paid up to 2 days earlyˆ with direct deposit
- Fee-Free Overdraft up to $200* with SpotMe®
- 60,000+ fee-free˜ ATMs
Cons
- No joint accounts or secondary cards
- No CDs
- No branch locations
No monthly fees
FDIC insured and SSL/AES encrypted account
Early morning, evening and weekend service with multiple communication options and a dedicated fraud team
User friendly site with full online banking capabilities
Excellent mobile app with all mobile banking features enabled, including digital check deposits
Pros
- Full-feature mobile app
- No monthly account maintenance fees
- Competitive savings rates
Cons
- Limited account options
- No loans or unsecured credit cards
Why Open an Online Checking Account?
An online checking account beats a traditional checking account for the same reason as email beats the postal system and online shopping beats brick-and-mortar stores. Online checking accounts are based on traditional checking accounts, but with more convenience, less cost, and less hassle.
Online checking accounts have been around since the early days of the internet, but at first were quite limited in terms of functionality. In recent years online checking accounts have become more sophisticated. In fact, many online checking accounts now include a free mobile app that lets people do their banking from their phone.
Which Account Is Right For You?
Savings Account
Checking Account
Business Checking Account
Earns interest
✓
✓ (varies by bank)
✓
FDIC-insured
✓
✓
✓
ATM access
✓
✓
✓
Debit card access
✓
✓
✓
Check writing access
✓
✓
✓
Our Top Choice:
How to Compare Online Checking Accounts
- Monthly Fee:Some online checking accounts come with no monthly fees while others come with a flat monthly fee (typically ranging from $1 to $50). Typically, banks agree to waive the monthly fee if the customer keeps their balance above a minimum amount (e.g. $1,000 or $10,000). Always ask what you’re getting for your fee. For a basic checking account, there shouldn’t be any fee. For an account that’s packed with features, a fee is considered accept Chime* an award-winning financial app and debit card, offer overdraft protection up to $200 without fees on top of zero monthly, transaction, and foreign fees. *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 Fees:Online banks always charge a fee for international transfers and some also charge for domestic transfers. Most online banks offer free ATM withdrawals from their own ATMs and reimbursements from third-party ATM Varo has no-fee ATM withdraws from over 55,000 Allpoint® ATMs, which are conveniently placed in stores like Walgreens, CVS, Target, and more.
- Customer service:Some online banks have physical branches, while others operate exclusively online. Some offer personalized customer service (usually for a monthly fee) while others make you wait on the phone with everyone else. Some offer live chat straight from your online or mobile bank account, others don’t. Many online banks offer round-the-clock customer service.
- Savings accounts:Some banks only offer checking accounts. Others offer a selection of checking accounts, savings accounts, and certificates of deposit. Better yet, some banks offer hybrid checking-savings accounts that let the customer simultaneously have everyday access to their account and save money.
- Credit or debit cards:Like regular checking accounts, online checking accounts usually come with the option of linking a credit or debit card to the account. Online banks are increasingly offering customers a choice of credit card plans, each with a different rate and different set of features and benefits.
- Loans:Another benefit of opening an online checking account is it can give you easy access to loans. Depending on the bank, there may be personal loans, home loans, auto loans, and many other types of lending products. Online loans offer the same benefits as online checking accounts: greater convenience, lower fees, and quicker applications.
Our Top Online Checking Accounts
What Services do Online Checking Accounts Offer?
- Online checking accounts offer all the same functions as traditional checking accounts—and more. Online checking accounts have revolutionized banking, allowing users to do everything they would have previously done in-branch from the comfort of their own home, or from on the go.
- Here are some of the features usually offered with an online checking account:
Domestic and international wire transfers – Send and receive money between your account and another person’s account.
Transfer money between accounts – Transfer money between your own checking and savings accounts.
Multiple account integration – Keep your accounts organized and easy to access.
Bill payment – Stay on top of your bills and set reminders so you never miss a beat.
Digital check deposit – Instantly scan and deposit a check with your smartphone and get access to the funds straight away.
Digital/downloadable account statements – Great for managing your budget, and for instantly sending records to your accountant.
Mobile banking app – Manage your accounts from your mobile device.
Mobile payments – Make purchases straight from your account with Google Pay, Apple Pay, or Samsung Pay.
Sophisticated security and encryption – Keep your data safe with multi-factor authentication and extra-strong encryption.
FDIC Insurance – Deposits insured up to at least $250,000 (and sometimes as high as $1.5 million, depending on the bank).
SMS / email alerts – Notifications whenever any unusual or suspicious activity occurs in relation to your bank account.
ATMs – Withdraw money from thousands of ATMs in the US and around the world, and get reimbursements from third-party ATM withdrawals.
Credit card rewards – Get points for making purchases with your account-linked credit car
U.S. Bank Disclaimer
¹Earn up to $400 when you open a new U.S. Bank Smartly® Checking account online and complete qualifying activities. Subject to certain terms and limitations.
U.S. Bank Smartly Checking may not be available if you live outside of the U.S. Bank footprint.
VaroMoney Terms and Conditions:
¹ Annual Percentage Yields (APY) are accurate as of December 1, 2022. Rates may change at any time without prior notice, before or after the account is opened. You can earn 5.00% on your first $5,000 if you meet these requirements: Make sure that you Varo account balances are above or equal to $0 at the close of the month.
Receive total direct deposits of $1,000 or more each qualifying period. Additional balances over $5,000 will earn 3.00% APY. The requirements must be met within the Qualifying Period which begins on the first calendar day of the month and ends at the close of business (4:25 pm MST/ 3:25 pm MDT) on the last business day of the month.
Meet the requirements in the current month to qualify to earn 5.00% APY for the following month. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo) and funds deposited using a Varo routing number are not considered a direct deposit. Be aware that interest is paid in whole cents only.
Chime Disclaimer
* SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors.
The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account into your savings account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more into your savings account.
FDIC deposit insurance limit to $250,000 per depositor, per insured bank, per ownership category. For Stride Savings Account depositors, funds are eligible for FDIC insurance when it arrives at the bank. Please visit www.chime.com/savings-apy-and-program-banks/ for more details on FDIC insurance.
Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. See your issuing bank’s Deposit Account Agreement for full Pay Friends Transfers details.
The average national savings account interest rate of 0.17% is determined by FDIC as of September 19, 2022 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit National Rates and Rate Caps to learn more.
Chime will be offering members a chance to get their federal tax refund up to 5 days early when they file directly with the IRS and direct deposit with Chime. Getting your federal tax refund early is simple, just sign up for a Chime Checking Account, file your return with the IRS, and set up your tax refund to direct deposit into your Chime Checking Account. After setting up direct deposit, members will also be eligible to get regular paychecks up to 2 days early^.