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- Several banks offer 24/7 customer service by phone or live chat.
- Other banks may have limited hours during the workweek or weekend.
- If you find it challenging to do banking tasks during business hours, consider changing banks.
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 some of these institutions are even among the best banks.
Top banks offering 24/7 customer service
1. Alliant Credit Union
Alliant High-Rate Digital Checking
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.25%
Minimum Opening Deposit
$25
- Earn interest
- No minimum opening deposit
- No monthly service fees
- $20/month in out-of-network ATM fee refunds
- No overdraft fees
- No incoming wire transfer fee
- Compounds interest monthly, not daily
- $25 outgoing wire transfer fee
Product Details
- Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
- 80,000+ free ATMs
- Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.
- Interest compounded monthly
- Federally insured by the NCUA
Standout feature: Alliant Credit Union pays high interest rates on savings, checking, and certificates.
How to contact customer support: Customer service representatives are available over the phone.
2. Ally Bank
Ally Savings Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.20%
Minimum Opening Deposit
$0
- High APY
- No minimum opening deposit
- No monthly service fees
- Savings buckets help you save for different goals
- Surprise savings transfers help you save extra money from your checking account
- No physical branch locations
- No way to deposit cash
Product Details
- Create separate savings buckets in a savings account
- Link to your Ally checking account and enroll in surprise savings transfers to have extra money transferred to savings three times per week
- Interest compounded daily, paid monthly
- FDIC insured
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 Bank (Member FDIC)
American Express® High Yield Savings Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.25% (as of 6/17/24)
Minimum Opening Deposit
$0 to open
- Competitive APY
- No monthly service fees
- No minimum opening deposit or minimum account balance
- 24/7 phone support
- No excess transaction fee
- No mobile app for banking customers
- You must make a deposit within the first 60 days
- No live online chat
Product Details
- Member FDIC
- 24/7 account access
- Earns interest daily, and posts to account monthly
Standout feature:The American Express® High Yield Savings Account is the bank’s strongest account. It pays a high interest rate and has a minimum deposit of $0 to open.
How to contact customer support: Customer service representatives are available over the phone.
American Express National Bank Review
4. Axos Bank
Axos Bank Rewards Checking
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 3.30%
Minimum Opening Deposit
$0
- High APY
- Unlimited out-of-network ATM reimbursements
- No monthly maintenance fees
- No overdraft fees
- No non-sufficient funds fees
- No APY if you can’t meet qualifications
- Few mobile app reviews
Product Details
- Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before August 31.
- Build your own APY with up to 3.30% APY*
- Zero monthly maintenance fees
- Zero overdraft or NSF fees
- Zero minimum monthly balance reqs
- No initial deposit requirement
- Unlimited domestic ATM fee reimbursements
- Online debit card management
- Simple, 3-step process for direct deposit
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. BMO Alto
BMO Alto Online Savings Account
Annual Percentage Yield (APY)
5.10%
Minimum Opening Deposit
$0
- High interest rate
- No minimum opening deposit
- No minimum balance requirements
- No monthly maintenance fee
- No mobile app
- Doesn’t accept cash or check deposits
- Cannot visit a BMO Branch for support
Product Details
- Interest compounded daily and deposited monthly
- FDIC insured
Standout feature:BMO Alto, an online-only platform, has a high-yield savings account and CDs with competitive interest rates.
How to contact customer support: Customer support is available by phone. If you get a BMO Alto bank account, you can’t go to a BMO branch for customer support.
BMO Alto Savings Account and CDs
6. Charles Schwab
Schwab Bank High Yield Investor Checking® Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.45%
Minimum Opening Deposit
$0
- No opening deposit
- No minimum account balance
- Unlimited out-of-network ATM reimbursements
- No foreign transaction fees
- Free overdraft protection
- No way to deposit cash
Product Details
- 24/7 live online chat
- When you open a checking account, you automatically open a Charles Schwab brokerage account, too
- No ATM network, but unlimited ATM fee reimbursements
- Interest compounded daily, paid monthly
- FDIC insured
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.
7. Chime*
Chime Savings Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
2.00%
Minimum Opening Deposit
$0
- Competitive APY
- No minimum opening deposit
- No monthly service fee
- Option to round debit card purchases to the nearest dollar and put spare change in savings account
- Option to automatically save a percentage of your paycheck
- Must open Chime Spending Account before savings account
- Deposit cash at Green Dot locations, which may charge fee
Product Details
- Round debit card purchases to the nearest dollar to put spare change into savings account
- Set up a percentage of your paychecks to be put into savings account
- Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
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.
8. CIT Bank
CIT Bank Savings Connect Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.65%
Minimum Opening Deposit
$100
- Competitive APY
- No monthly service fees
- No minimum monthly balance requirement
- $100 minimum opening deposit
Product Details
- Interest compounded daily, paid monthly
- FDIC insured
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.
9. Citi
Citi® Accelerate Savings
Fees
$4.50 monthly service fee
Annual Percentage Yield (APY)
4.35% (vary by location)
Minimum Opening Deposit
$0
- High APY (minimum $0 balance to earn)
- No opening deposit
- You may pay a monthly fee, depending on a variety of factors
- Other fees depend on which checking account you link to your savings account
- Not available in certain states
- BBB gives Citi an F in trustworthiness
Product Details
- Monthly fee depends on whether you link to a Citi checking account, and which checking account you choose
- You may qualify to have the monthly fee waived, depending on which checking/savings package you have
- No opening deposit
- Compounding interest to maximize your savings
- Not available in CA, CT, MD, NV, NJ, NY, VA, DC, certain parts of FL or IL
Standout feature: Citi’s strongest product is its Citi® Accelerate Savings
How to contact customer support: Customer service representatives are available over the phone.
10. Consumers Credit Union
Consumers Credit Union Free Rewards Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 5.00%
Minimum Opening Deposit
$5
- High APY
- $5 minimum opening deposit
- No monthly service fee
- Early direct deposit
- Unlimited reimbursements for out-of-network ATM fees
- $10 overdraft transfer charge
- Limited customer support availability
- Interest compounds monthly, not daily
Product Details
- To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5
- 14 open branches in Chicago, Illinois, and nearby cities
- Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network
- Earn 3.00% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits
- Earn 4.00% on balances up to $10k when you meet qualifications for 3.00% and spend $500/month with your CCU credit card
- Earn 5.00% on balances up to $10k when you meet qualifications for 3.00% and spend $1,000/month with your CCU credit card
- Earn 0.20% APY on balances between $10k and $25k
- Earn 0.10% APY on balances over $25k
- If you don’t meet the requirements to earn a rewards interest rate, you’ll earn 0.01% APY and you won’t get ATM refunds
- Interest compounded and deposited monthly
- Federally insured by the NCUA
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 by phone.
11. Delta Community Credit Union
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.
Delta Community Credit Union Review
12. Discover Bank
Discover® Online Savings Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.25% (as of 3/14/24)
Minimum Opening Deposit
$0
- Competitive APY
- No monthly service fee
- No opening deposit
- No insufficient funds fee
- No excess withdrawal fee
- Only 1 branch location
- No debit card unless you open a checking account
Product Details
- No monthly balance requirements
- 100% US-based customer service available 24/7
- No hidden fees
- Interest compounded daily, paid monthly
- FDIC insured
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.
13. Falcon International Bank
Falcon International Bank Regular Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$100
- No monthly service fee
- MasterCard debit card offering
- $100 minimum opening deposit
- $35 overdraft fee
- $5 fee for paper statements
- $4 transaction fee for out-of-network ATMs
- $5 fee if you don’t use your account after 90 days
Product Details
- Hispanic American-owned
- 24 ATM locations, $4 transaction fee for out-of-network ATMs
- With overdraft protection there is a $35 charge
- 18 branches in Texas
- Member FDIC
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.
14. FirstBank
FirstBank Anywhere Checking Account
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No minimum opening deposit
- Overdraft protection available
- $2.50 out-of-network ATM fee
- $34 overdraft fee
- $20/year or $10/day overdraft transfer fee
Product Details
- Access to over 100 locations and 200 ATMs in AZ, CA, CO
- Overdraft protection plans that lets you link your checking account to a savings account
- If you utilize overdraft protection, there’s either a $20/year or $10/day transfer fee
- Member FDIC
Standout feature: FirstBank has over 100 branches in Arizona, California, and Colorado. Its checking account has a $0 minimum opening deposit.
How to contact customer support: Customer service representatives are available over the phone.
15. KeyBank
Key Smart Checking®
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$10
- No minimum balance
- No monthly service fees
- Overdraft protection
- Account alerts to avoid overdrawing
- $10 minimum opening deposit
- $3 out-of-network ATM fee (within the U.S.)
- $20 overdraft fee
Product Details
- Earn $300 after qualified activities until 12/20/2024 with the no-monthly-maintenance-fee Key Smart Checking®
- Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening
- Approximately 1,000 branches in 15 states across the U.S.
- Over 40,000 free ATMs through the KeyBank and Allpoint ATM networks
- To avoid overdraft fees, you may link your checking account to a savings account or get a line of credit
- With Key Coverage Zone, if the unexpected happens and your account’s overdrawn up to $20 at the end of the day, KeyBank won’t charge you an overdraft fee
- Member FDIC
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.
16. Navy Federal Credit Union
Navy Federal Free Active Duty Checking™ Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.05%
Minimum Opening Deposit
$0
- No minimum opening deposit
- Refunds up to $20 per month in out-of-network ATM fees
- Receive direct deposits one day before payday
- No monthly service fee if you set up military direct deposits
- Free personalized checks
- 3 overdraft protection options: savings transfer, line of credit, or optional overdraft protection service
- Interest compounded monthly, not daily
- Free Active Duty Checking is only for active military, retired military, or reservists
Product Details
- Available to active military, retired military, or reservists
- Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
- 354 branches worldwide, including on select military bases
- 30,000 free ATMs
- Interest compounded monthly, paid monthly
- Federally insured by the NCUA
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.
Navy Federal Credit Union Review
17. Regions Bank
Regions LifeGreen® Savings Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Opening Deposit
$5 at a branch, $50 online
- No monthly service fees
- You could earn a 1% annual savings bonus
- $5 minimum deposit when opened at a branch
- $50 minimum deposit when opened online
- Low APY
Product Details
- 1,300 branch locations in 15 states
- 2,000 free ATMs
- To earn the 1% annual bonus (up to $100), set up monthly automatic transfers from your Regions checking account to your LifeGreen Savings account
- Interested compounded daily, paid monthly
- FDIC insured
Standout feature: 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 through a secure message.
18. State Employees Credit Union
State Employees Credit Union Share Account
Annual Percentage Yield (APY)
0.25%
Minimum Opening Deposit
$25
- Low minimum opening deposit
- No monthly service fees
- Better interest rate than some brick-and-mortar banks
- Online banks offer a higher interest rate
- Must have $25 in account to maintain membership
Product Details
- 273 branches in North Carolina
- Access to 1,100 ATMs in North Carolina
- Interest compounded and deposited monthly
- Federally insured by the NCUA
Standout feature: State Employees Credit Union has over 273 locations and 1,100 free ATMs in North Carolina. Its checking and savings accounts have low minimum opening deposits and low monthly service fees.
How to contact customer support: Customer service is available over the phone.
19. Service Credit Union
Service Everyday Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No minimum opening deposit
- No monthly service fees
- No out-of-network ATM fee
- Earn up to $30 per month in out-of-network ATM refunds, depending on tier level
- Earn up to 0.75% discount on certain loans, depending on tier level
- Get paid up to 2 days early
- Transfer funds from savings for overdraft protection
- No ATM fee refunds or loan discounts for Basic tier
- Limited fee refunds and loan discounts for Direct Deposit tier
- $5 overdraft transfer fee (no fee for Direct Deposit + tier)
Product Details
- Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council
- Branches and ATMs in the US and Europe
- Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +
- Basic doesn’t reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans
- Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month
- Federally insured by the NCUA
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.
20. Security Service Credit Union
Security Service Power Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
- No monthly service fees
- No minimum opening deposit
- Overdraft protection available as a transfer from savings or as a line of credit
- $1.50 out-of-network ATM fee
- Doesn’t reimburse fees charged by out-of-network ATM providers
- $2 overdraft transfer fee when you exceed 3 transfers per month
Product Details
- Join Security Service FCU if you are a member of select military branches at certain military bases; are an employee of the Department of Defense; live, work, worship, study, volunteer, or have a business in CO, TX, or UT; are related to someone who is already a Security Service FCU member
- 67 branches in CO, TX, and UT; 5,000 shared branches in the CO-OP network
- Over 30,000 free ATMs in the Security Service FCU, CO-OP, and Stripes networks
- Federally insured by the NCUA
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.
Security Service Credit Union Review
21. TD Bank
TD Simple Savings Account
Fees
$5 monthly service fee
Annual Percentage Yield (APY)
0.02%
Minimum Opening Deposit
$0
- No monthly fee for students, or for adults under age 24 or age 62 or older
- No monthly fee for the first 12 months, with recurring monthly deposits of $25
- Mobile check deposit
- No minimum opening deposit
- Low APY
- $5 monthly service fee
Insider’s Take
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 monthly service fee. Ultimately, you can find much better rates with the best online banks.
Product Details
- No monthly service fee for students, adults under age 24 or age 62 or older
- Waive $5 monthly service fee by maintaining $300 minimum daily balance
- No monthly fee for the first 12 months if you make recurring $25 monthly deposits
- Interest compounded daily
- FDIC insured
Standout feature: TD Bank is featured on our 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.
22. U.S. Bank
U.S. Bank Standard Savings Account
Fees
$4 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Opening Deposit
$25
- $25 minimum opening deposit
- You may qualify to waive the monthly fee
- Low APY
- $4 monthly service fee
Product Details
- Over 2,200 branches in 26 US states
- Free access to around 4,500 ATMs
- Waive $4 monthly service fee by maintaining a $300 daily balance, OR average $1,000 monthly balance, OR being under age 18
- Interest compounded daily, paid monthly
- FDIC insured
Standout feature: U.S. Bank is featured on our 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.
Criteria for selection: How we found 24/7 customer service banks
We looked at the national, regional, and online financial institutions featured in our “best of” guides. If a financial institution offered customer service by phone, live chat, or an online or mobile banking feature, we included it in our list.
Benefits of 24/7 customer support
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. Below, we outline some primary benefits of 24/7 customer service.
Convenience for customers across time zones
Many financial institutions listed in this guide are national banks. They have branches in several different regions or perhaps an online-only presence in all 50 states. Having 24/7 customer support can be of great value to customers of these banks because they don’t have to worry about time zone differences when contacting customer service.
Immediate assistance for urgent banking services
Standard bank customer service hours follow a similar structure to branch hours — typically from 9 a.m. to 5 p.m. on weekdays and morning availability on Saturdays.
Another benefit to banking with a financial institution that has 24/7 customer support is that you get immediate banking help via chat or phone when other banks are closed. You also might prefer banking with a financial institution with extended customer service hours if you regularly have schedule conflicts with traditional banking hours.
Enhanced digital banking experience
Numerous banks with 24/7 customer service also have other digital banking features that may be appealing to customers.
For example, some banks listed have a live chat feature so you can communicate directly with a representative through the bank’s website. Other banks also have strong mobile banking features with communication features. You’ll be sent a message through the app and get a prompt response back.
Customer support frequently asked questions (FAQs)
It can be incredibly beneficial for customers if a bank offers 24/7 customer service because then they’ll have access to round-the-clock banking assistance.
Customer support wait times tend to vary from day to night and from bank to bank. Banks with many services will often specify different customer service hours for various products, so it’s important to check a bank’s website before calling a bank representative.
The bank website will usually mention what times customer service is available.
U.S. banks usually have a specific customer service number for customers traveling abroad. You might find banks with 24/7 automated services, but 24/7 live support services for international customers isn’t very common.
A bank with 24/7 customer service can help you address common banking questions or emergencies.
Chime® Checking Account
Set up Direct Deposit and get your paycheck up to 2 days before your coworkers.** No overdraft fees. No monthly fees.
