The bank account you choose will affect your financial future in a number of ways. This holds true both for savings and checking accounts.
As you compare options, consider the following details: bonuses and promotions, fees, interest rates, account features, safety and security, cross-product offerings, and brand recognition (among others that are important to you).
Also, it’s critical to only compare FDIC-insured banking institutions, of which there are more than 5,200 throughout the country.
Whether you are moving your balance or starting with new funding, we have you covered with a clean and easy to understand comparison of some of the top banks in the US.
We are adding more banks and updating rates daily, so check back often if you are waiting for the right deal.
Quontic Bank High Interest Checking
Highlights:
- Earn up to 1.10% APY on all balances
- Open an account online in just 3 minutes
- No monthly maintenance fees or minimums
- $100 minimum deposit required to open an account
About Quontic Bank
About Quontic Bank
Quontic is the adaptive digital bank helping people grow their money with purpose. Were changing the narrative of traditional banking Quontic is innovative, digital-first, and customer-centric without sacrificing the personal touch.
Terms and Conditions
Terms and Conditions
10 debit card point of sale transactions of $10 or more per statement cycle required to earn the maximum APY per account balance tier. If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.01% APY. Please visit our website for list of non-qualifying activities. APY means Annual Percentage Yield.
Availability
Availability
Available nationwide
Contact Quontic Bank
Contact Quontic Bank
Customer Service: 1-800-908-6600
Axos High Yield Savings
Highlights: Interest compounded daily and no monthly fees
- No monthly maintenance fees
- No minimum balance requirements
- $250 minimum opening deposit
- Free Incoming Wires
- Zero Minimum Balance Requirement
About Axos Bank
About Axos Bank
Since Axos Bank first opened for business on July 4, 2000, Axos Bank has been leading the way in digital banking. Today theyre a technology-driven financial services company that provides innovative banking products and services to customers nationwide.
Terms and Conditions
Terms and Conditions
$250 minimum balance to open an account. Balances of $25,000 or more earn a lower tier rate than the first $25,000.
Availability
Availability
Available nationwide
Contact Axos Bank
Axos Rewards Checking
Highlights: Never pay monthly maintenance fees again
- Use promo code AXOS300 and apply by June 30th 2024 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
About Axos Bank
About Axos Bank
Since Axos Bank first opened for business on July 4, 2000, Axos Bank has been leading the way in digital banking. Today theyre a technology-driven financial services company that provides innovative banking products and services to customers nationwide.
Terms and Conditions
Terms and Conditions
See Bank Website for terms and conditions
Availability
Availability
Available nationwide
Contact Axos Bank
CIT No-Penalty, 11-Month CD
Highlights: Security and flexibility with access to funds. $1,000 minimum opening deposit.
- No penalty to access funds if needed before maturity*
- No opening or maintenance fees
- Daily compounding interest to maximize your earning potential
- FDIC insured*
About CIT Bank
About CIT Bank
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender).
Terms and Conditions
Terms and Conditions
* APY — With a No-Penalty CD, you may withdraw the total balance and interest earned, without penalty, beginning 7 days after funds have been received for your CD. No withdrawals are permitted during the first 6 days following the receipt of funds.
Availability
Availability
Available nationwide
Contact CIT Bank
Contact CIT Bank
Customer Service: 1 (855) 462-2652
Fraud, Disputes & Related Issues: 1 (855) 462-2652
CIT Bank Savings Builder
Highlights: Accelerate Your Savings
- Earn up to 1.00% APY with a savings plan that fits your lifestyle.
- Two ways to accelerate your savings
- High Balance Savers: Maintain a balance of $25k or more to earn our highest interest rate.
- Monthly Savers: $100 minimum to open an account plus, $100 minimum single deposit per month to earn our highest interest rate.
About CIT Bank
About CIT Bank
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender).
Terms and Conditions
Terms and Conditions
APY — Annual Percentage Yield is accurate as of June 16, 2022 Interest Rates for the Savings Builder Account are variable and may change at any time without prior notice.
Availability
Availability
Available nationwide
Contact CIT Bank
CIT Bank Money Market Account
Highlights: Easily pay people and bills, with no monthly fees.
- Fund your account with at least $15,000 within 15 days and keep a minimum balance of at least $15,000 for 60 days following the 15-day funding period.
- Within 30 days following the end of the review period, if you’ve fulfilled the requirements, we’ll send you an email with your Prime membership code.
About CIT Bank
About CIT Bank
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender).
Terms and Conditions
Terms and Conditions
* APY — Annual Percentage Yield is accurate as of August 25, 2022. Interest Rates for the Money Market account are variable and may change at any time without prior notice. Fees may reduce earnings.
** Based on comparison to the national average Annual Percentage Yield (APY) on money market accounts as published in the FDIC National Rates and Rate Caps, accurate as of July 18, 2022.
Deposit at least $15,000 to the account within the first 15 calendar days following account opening (the “Funding Period”). The $15,000 used to fund the account must come from a funding source outside of CIT Bank. Transfers from existing CIT Bank accounts will not qualify.
Maintain an end-of-day account balance of at least $15,000 each of the 60 days following the end of the Funding Period. If the end-of-day balance falls below $15,000 at any time during this 60-day period, you will not qualify for the Amazon Prime membership offer.
There is a limit of one Money Market promotional offer per account and per customer. If multiple Money Market accounts are opened, only one account will be eligible. Custodial accounts are not eligible. This offer is non-transferable.
Customers meeting all of the above requirements will be sent an email with instructions on how to activate their one-year Amazon Prime membership. This instructional email will be sent to the email address on file for the primary account owner approximately 30 days after the end of 60-day period specified in requirement #3, above. The account must remain open for the instructional email to be sent.
IMPORTANT: All customers who qualify for the one-year Amazon Prime membership must redeem it no later than 03/23/2024. Customers who fail to redeem by this deadline will forfeit the one-year Amazon Prime membership from CIT Bank.
Note: information and access to the one-year Amazon Prime membership is provided in electronic form, via email. No paper certificates or gift cards are available.
Availability
Availability
Available nationwide
Contact CIT Bank
Contact CIT Bank
Customer Service: 1 (855) 462-2652
Fraud, Disputes & Related Issues: 1 (855) 462-2652
CIT Bank Savings Connect
Highlights: Grow your savings faster
- Earn 20x the national average with a Savings Connect account.*
- Get a competitive rate on your Savings Connect account, plus you earn interest on the linked eChecking account.
- Digital Convenience with online banking and the mobile app.
- CIT Bank doesn't charge ATM fees and reimburses up to $30 in other U.S. bank's ATM fees on eChecking accounts.
- Deposit checks remotely and make transfers easily with the CIT Bank mobile app.
About CIT Bank
About CIT Bank
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender).
Terms and Conditions
Terms and Conditions
* APY — Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.
Availability
Availability
Available nationwide
Contact CIT Bank
Contact CIT Bank
Customer Service: 1 (855) 462-2652
Fraud, Disputes & Related Issues: 1 (855) 462-2652
Chime Savings Account
Highlights: Automatic savings features
- 2.00% Annual Percentage Yield (APY)¹ — over 10X² the national average!
- No minimum or maximum balance requirements
- No fees³
- Automatic Savings features
- Signing up takes 2 minutes
About Stride Bank
About Stride Bank
Founded in 1913, Stride Bank is an Oklahoma-based financial institution that holds over $1.17 billion in assets. Offering a full range of financial services such as consumer and commercial banking, mortgage, wealth management, and treasury management, Stride Bank has also developed and currently manage highly specialized payment solutions for several national fintech companies.
Terms and Conditions
Terms and Conditions
Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Please see back of your Card for its issuing bank. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.
¹ APY—Annual Percentage Yield. Effective December 9, 2020 the interest rate will be 0.50%. These interest rates are variable and may change at our discretion at any time. No minimum balance required. Must have $0.01 in savings to earn interest.
² The average national savings account interest rate of 0.05% is determined by FDIC as of November 30th, 2020 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 https://www.fdic.gov/regulations/resources/rates/historical/2020-11-30.html to learn more.
³ There’s no fee for the Chime Savings Account but a $2.50 cash withdrawal fee is applied to the Chime Spending Account for out of network ATM withdrawals and over the counter "OTC" withdrawals. You must have a Chime Spending Account to open a Chime Savings Account.
Availability
Availability
Available nationwide
Contact Stride Bank
Quontic Bank High Yield Savings
Highlights:
- Earn 4.50% APY with a Quontic High Yield Savings Account
- Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.
- Open an account online in just 3 minutes
- Interest is compounded daily and credited to your account every month
About Quontic Bank
About Quontic Bank
Quontic is the adaptive digital bank helping people grow their money with purpose. Were changing the narrative of traditional banking Quontic is innovative, digital-first, and customer-centric without sacrificing the personal touch.
Terms and Conditions
Terms and Conditions
Limit of 6 withdrawals per statement cycle APY means Annual Percentage Yield
Availability
Availability
Available nationwide
Contact Quontic Bank
Contact Quontic Bank
Customer Service: 1-800-908-6600
Quontic Bank Money Market Account
Highlights: Savings As Easy As 1-2-3...
- Earn up to 5.00% Annual Percentage Yield with a Quontic Money Market Account
- Let our highest yield savings account do all of the work.
- $100 minimum deposit required to open an account
About Quontic Bank
About Quontic Bank
Quontic is the adaptive digital bank helping people grow their money with purpose. Were changing the narrative of traditional banking Quontic is innovative, digital-first, and customer-centric without sacrificing the personal touch.
Terms and Conditions
Terms and Conditions
See Bank Website for terms and conditions
Availability
Availability
Available nationwide
Contact Quontic Bank
Contact Quontic Bank
Customer Service: 1-800-908-6600
Quontic Bank Certificate of Deposit
Highlights: 5 Maturity Date & Rate Options
- Earn up to 5.30% Annual Percentage Yield (APY)
- Open an account online in just 3 minutes
- Minimum of $500 required to open.
About Quontic Bank
About Quontic Bank
Quontic is the adaptive digital bank helping people grow their money with purpose. Were changing the narrative of traditional banking Quontic is innovative, digital-first, and customer-centric without sacrificing the personal touch.
Terms and Conditions
Terms and Conditions
Withdrawals before the maturity date are subject to penalties.
Availability
Availability
Available nationwide
Contact Quontic Bank
Contact Quontic Bank
Customer Service: 1-800-908-6600