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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 many of these institutions are featured in one or more of our 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. For specific Chase locations, customer support may vary depending on where you live. However, generally, branches have customer support available on weekdays from 9 a.m. to 5 p.m. for that time zone.
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 a.m. to 11 p.m. ET. Or call weekends from 8 a.m. to 8 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.
Banks with 24/7 customer support
1. Alliant Credit Union
Alliant High-Interest Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.25%
Minimum Deposit Amount
up to $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)
4.35%
Minimum Deposit Amount
$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
Insider’s Take
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 4.35% 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.
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 National Bank (Member FDIC)
American Express® High Yield Savings Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.35% (as of 12/14/23)
Minimum Deposit Amount
$0
- Competitive APY
- No monthly service fees
- No 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 $0 minimum opening deposit.
How to contact customer support: Customer service representatives are available over the phone.
4. Axos Bank
Axos Bank Rewards Checking
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 3.30%
Minimum Deposit Amount
$50
- High APY
- Unlimited out-of-network ATM reimbursements
- No monthly maintenance fees
- No overdraft fees
- No non-sufficient funds fees
- $50 opening deposit
- No APY if you can’t meet qualifications
- Few mobile app reviews
Product Details
- Use promo code AXOS300 and apply by June 30th, 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
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 Deposit Amount
$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.
6. Capital One 360
Capital One 360 Performance Savings
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.35% (as of 12/6/23)
Minimum Deposit Amount
$0
- Competitive APY
- No opening deposit or minimum account balance
- No monthly service fee
- Easy to save for various goals
- 24/7 live chat
- Limited access to customer service by phone
Product Details
- Over 280 branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
- Interest compounded daily, paid monthly
- FDIC insured
Standout feature: Capital One 360 pays competitive interest rates on savings, checking, and certificates.
How to contact customer support: Customer service representatives are available via online chat.
7. Charles Schwab
Schwab Bank High Yield Investor Checking® Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.45%
Minimum Deposit Amount
$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.
8. Chase
Chase Savings℠
Fees
$5 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$0
- No minimum opening deposit
- Relatively easy to waive $5 monthly fee
- Link to a Chase checking account for free overdraft protection
- Low APY
- Interest compounded monthly, not daily
- $5 monthly service fee
Product Details
- Access to 15,000 Chase ATMs and over 4,700 branches
- Link this account to your Chase checking account for Overdraft Protection
- Waive $5 monthly service when you maintain a $300 balance, automatically transfer $25 each month from your Chase checking account, link to Chase College Checking for Overdraft Protection, link to a qualifying Chase checking account, or are under age 18
- Manage your accounts, deposit checks, transfer money and more — all from your device
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
- Member FDIC
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
Fees
no monthly service fee
Annual Percentage Yield (APY)
2.00%
Minimum Deposit Amount
$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.
10. CIT Bank
CIT Bank Savings Connect Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.65%
Minimum Deposit Amount
$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.
11. Citi® Accelerate Savings
Citi® Accelerate Savings
Fees
$4.50 monthly service fee
Annual Percentage Yield (APY)
4.45% (vary by location)
Minimum Deposit Amount
$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.
12. Consumers Credit Union
Consumers Credit Union Free Rewards Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.01% to 5.00%
Minimum Deposit Amount
$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.
Standout feature: Delta Community Credit Union’s strongest products are its share certificates. You can get a competitive interest rate. If you need to withdraw money early, its penalties are lower than other institutions.
How to contact customer support: Customer service representatives are available over the phone.
14. Discover Bank
Discover Online Savings Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
4.35% (as of 11/08/23)
Minimum Deposit Amount
$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.
15. Falcon International Bank
Falcon International Bank Regular Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$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.
16. FirstBank
FirstBank Anywhere Checking Account
Fees
$12 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$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.
17. International Bank of Commerce
International Bank of Commerce Free Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
- Low minimum opening deposit
- No monthly service fees
- Unlimited check writing
- Overdraft protection
- $35 overdraft fee
- $2 out-of-network transaction fee
Product Details
- Hispanic American-led bank
- 167 locations and 257 ATMs in Texas and Oklahoma
- Over 280 free ATMs
- $2 fee on each out-of-network ATM transaction
- Member FDIC
Standout feature: International Bank of Commerce has a good free checking account. This Hispanic American bank has 167 branches in Texas and Oklahoma.
How to contact customer support: Customer service is available over the phone.
18. KeyBank
KeyBank Smart Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$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 a $200 cash bonus by opening a new Key Smart Checking account online using the “Start Banking” button above and making the $10 minimum opening deposit, plus one direct deposit of at least $500 within the first 60 days of account opening.
- -Open a Key Smart Checking® account online by March 8, 2024.
- -Make the minimum opening deposit of $10, plus one qualified direct deposit of at least $500 within the first 60 days of account opening.
- -Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.
- 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.
Standout feature: Latino Community Credit Union is a Hispanic American-led credit union in North Carolina with several services geared toward Latinos, including customer support in Spanish and English. The Latino Community Credit Union Savings Account is the credit union’s strongest account with no monthly fees.
How to contact customer support: Customer service is available over the phone. You can also send a secure message through online banking.
20. Navy Federal Credit Union
Navy Federal Free Active Duty Checking™ Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.05%
Minimum Deposit Amount
$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.
21. Premier Members Credit Union
Premier Members Credit Union Money Market Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.50% to 5.00%
Minimum Deposit Amount
$5
- Competitive interest rates for low balances
- $5 opening deposit
- Paper checks
- No monthly service fee
- Less competitive interest rates for high balances
- Interest compounds monthly, not daily
- No debit or ATM card
Product Details
- 17 branches in Colorado, or open an account online from around the US
- Over 5,000 shared branches in the US
- There are many ways to become a member if you live in Colorado, or join Impact on Education if you don’t otherwise qualify
- Reverse-tiered account, with 7 tiers
- Earn high rates on balances under $10,000, with highest rates under $2,000
- Interest compounded monthly, paid monthly
- Federally insured by the NCUA
Standout feature: The Premier Members Credit Union Money Market Account is the credit union’s standout product. It pays a high interest rate on low balances.
How to contact customer support: Customer service is available over the phone.
22. Regions Bank
Regions LifeGreen® Savings Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$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: Regions Bank is featured on our 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 through a secure message.
23. River City Federal Credit Union
River City Federal Credit Union Share Certificate
Annual Percentage Yield (APY)
4.00% to 4.80%
Minimum Deposit Amount
$500
- $500 minimum opening deposit
- Competitive interest rate, especially on long-term share certificates
- Standard term options
- Standard early withdrawal penalties
Product Details
- Credit union that serves a Hispanic American community
- 5 branches in San Antonio, Texas, plus part of the Co-op Shared network branches
- You can join if you live, work, or go to school in Bexar County
- Terms range from 6 months to 5 years
- Early withdrawal penalties: 90 days of interest on 6-month and 1-year terms; 180 days of interest on 2-year terms; 1 year of interest on 3-year and 4-year terms; 2 years of interest on 5-year terms
- Interest compounded and deposited monthly
- Federally insured by the NCUA
Standout feature: River City Federal Credit Union is a Hispanic American-led institution in Texas. It has share certificates with competitive interest rates and a $500 minimum opening deposit.
How to contact customer support: Customer service is available over the phone.
24. State Employees Credit Union
State Employees Credit Union Share Account
Annual Percentage Yield (APY)
0.25%
Minimum Deposit Amount
$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.
25. Service Credit Union
Service Everyday Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$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.
26. Security Service Federal Credit Union
Security Service Power Checking Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$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.
27. Synchrony
Synchrony Money Market Account
Fees
no monthly service fee
Annual Percentage Yield (APY)
2.25%
Minimum Deposit Amount
$0
- No opening deposit or minimum account balance
- No monthly service fee
- Comes with an ATM card and paper checks
- No physical branch locations
- Earn a higher interest rate with other online banks
- Only reimburses $5/month in out-of-network ATM fees
Product Details
- Access your cash online, by phone, or via ATM
- No opening deposit or minimum account balance
- Comes with a debit card and paper checks
Standout feature: Synchrony Bank pays high interest rates on savings and money market accounts.
How to contact customer support: Customer service representatives are available via online chat.
28. TD Bank
TD Simple Savings Account
Fees
$5 monthly service fee
Annual Percentage Yield (APY)
0.02%
Minimum Deposit Amount
$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 TD Signature Savings – Fees Display. Ultimately, you can find much better rates with the best online banks.
Product Details
- Earn $200 when you deposit $10,000 or more in new money within 20 days, then maintain that balance for 90 days from the date the deposit requirement is initially met (Offer ends April 30, 2024)
- 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.
29. U.S. Bank
U.S. Bank Standard Savings Account
Fees
$4 monthly service fee
Annual Percentage Yield (APY)
0.01%
Minimum Deposit Amount
$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.
30. Wells Fargo
Wells Fargo Way2Save® Savings Account
Fees
$5 monthly service fee
Annual Percentage Yield (APY)
0.15%
Minimum Deposit Amount
$25
- $25 minimum opening deposit
- Automatic savings feature
- Low APY
- $5 monthly service fee
Product Details
- Approximately 4,900 branches and 12,000 ATMs
- Waive $5 monthly service fee by maintaining a $300 daily balance, OR setting up automatic savings options, OR be under age 24 and the primary account owner OR transferring $25 or more from a linked Wells Fargo checking account, or have 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account
- Save As You Go® transfers $1 into your Way2Save Savings Account from checking each time you swipe your debit card
- Interest compounded daily, paid monthly
- FDIC insured
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.
