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Younger generations tend to prefer online customer service platforms.
Some banks and credit unions offer live chat on their website or app to answer questions.
You may need to be a current customer to use a bank’s live chat feature.
Calling customer service can sometimes take time and energy you don’t have. If you’ve ever found yourself in this situation, you’re not alone.
This perspective is shared by many younger customers who aren’t always the biggest fans of telephone customer support. According to a 2022 Zendesk Customer Experience Trends Report, millennials and Gen Z are more comfortable with different mediums of online support, including in-app messaging and chat boxes, while older generations prefer to stick to traditional methods, like talking to someone over the phone.
If you’re curious about which banks offer online customer support, this list may interest you.
Compare today’s checking accounts
Bank and credit unions with live chat customer support
1. Affinity Plus Credit Union
Affinity Plus Federal Credit Union Superior Money Market Account
4.5/5
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0.10% to 3.50%
$0
no monthly service fee
Affinity Plus Federal Credit Union Superior Money Market Account
4.5/5
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0.10% to 3.50%
$0
no monthly service fee
Affinity Plus Federal Credit Union, NCUA insured.
Details
no monthly service fee
0.10% to 3.50%
$0
Pros & Cons
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Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Competitive interest rates
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A check mark. It indicates a confirmation of your intended interaction.
No opening deposit
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A check mark. It indicates a confirmation of your intended interaction.
No monthly service fee
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A check mark. It indicates a confirmation of your intended interaction.
Paper checks
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A check mark. It indicates a confirmation of your intended interaction.
ATM card
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Interest compounds monthly, not daily
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$500 monthly direct deposits required to earn competitive APY
Highlights
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26 branches in Minnesota, or open an account online from around the US
Many ways to become a member if you live in Minnesota, or donate $25 to the Affinity Plus Foundation to join
60,000 free ATMs around the US in the MoneyPass, SUM, and CO-OP networks
Earn 4 MyPlus Rewards points each month for every $1,000 in average daily balances; use rewards on categories such as travel, gift cards, or charitable donations
Reverse-tiered account
Earn highest APY on balances under $25,000
Earn only 0.10% APY without monthly direct deposits of $500 and enrollment in digital statements
Interest is compounded and paid monthly
Federally insured by the NCUA
Additional Reading
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Read our review
Read Our Review
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How to use live chat feature: Affinity Plus lets you speak with a live agent if you ask the Affinity Plus chatbox. The chatbox will appear on the bottom right corner of the screen when you’re browsing through specific pages on the website.
2. Ally
Ally Savings Account
4.75/5
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4.00%
$0
no monthly service fee
Ally Savings Account
4.75/5
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4.00%
$0
no monthly service fee
Details
no monthly service fee
4.00%
$0
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
High APY
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A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
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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 account
Dash icon
A dash. It often indicates an interaction to shrink a section.
No physical branch locations
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No way to deposit cash
Highlights
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
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
Additional Reading
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Read our review
Read Our Review
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How to use live chat feature: You must have an Ally bank account to use live chat. Log into online banking to talk to the customer support team.
3. Amalgamated Bank
Amalgamated Bank Give-Back Checking Account
3.75/5
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0.90% to 0.95%
$100
Amalgamated Bank Give-Back Checking Account
3.75/5
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0.90% to 0.95%
$100
Amalgamated Bank, Member FDIC
Details
0.90% to 0.95%
$100
Pros & Cons
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earns interest
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A check mark. It indicates a confirmation of your intended interaction.
No monthly maintenance fees
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A check mark. It indicates a confirmation of your intended interaction.
Amalgamated Bank will donate the equivalent of half the interest you earn to charity of your choice
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Overdraft protection available
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$100 minimum opening deposit
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$34 overdraft fee
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$2.50 out-of-network ATM fee
Highlights
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Branches in San Francisco, New York City, and Washington, DC; You can also open an online-only account
Access to over 40,000 free ATMs through the Allpoint network
Amalgamated Bank will match the equivalent of half the interest you’ve earned on your account and donate it to a participating non-profit organization of your choice
Free overdraft protection that lets you link your checking account to an Amalgamated Bank savings account
Earn 0.90% APY if you have an account balance under $2,500
Earn 0.95% APY if you have an account balance over $2,500
Interest compounded daily and deposited monthly
FDIC insured
Additional Reading
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Read our review
Read Our Review
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How to use live chat feature: Click on the chat feature on the bank’s Customer Service page. A chat box page will appear and you’ll enter your name, then you’ll wait until the next customer representative is available.
4. Atmos Financial
Atmos Financial Climate-Positive Savings Account
4/5
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1.60% or 3.20%
None
no monthly service fee
Atmos Financial Climate-Positive Savings Account
4/5
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1.60% or 3.20%
None
no monthly service fee
Atmos, FDIC Insured Account
Details
no monthly service fee
1.60% or 3.20%
None
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
High interest rate
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A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
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A check mark. It indicates a confirmation of your intended interaction.
No minimum balance requirements
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A check mark. It indicates a confirmation of your intended interaction.
Measure the carbon impact of your deposits through Atmos
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Create up to six accounts for individual savings goals
Dash icon
A dash. It often indicates an interaction to shrink a section.
No joint bank accounts
Highlights
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Atmos is an eco-friendly online banking platform that has pledged to finance zero fossil fuel companies and projects
Earn a base rate of 1.60% APY
Earn 3.20% APY if you choose to make monthly recurring donations to a non-profit organization on the Atmos app
Interest compounded daily and deposited monthly
Funds FDIC insured through Evolve Bank & Trust
How to use live chat feature: You can schedule a web conference meeting with a customer specialist by scrolling to the bottom of the platform’s website and clicking on “Book 15 Min Mtg” under the Support tab.
5. Axos Bank
Axos Bank Rewards Checking
4.25/5
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up to 3.30%
$50
no monthly service fee
Axos Bank Rewards Checking
4.25/5
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up to 3.30%
$50
no monthly service fee
Details
no monthly service fee
up to 3.30%
$50
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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 fees
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$50 opening deposit
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No APY if you can’t meet qualifications
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Few mobile app reviews
Highlights
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Use the promo code RC100 when you apply for a Rewards Checking account by 07/31/23. Then have qualifying direct deposit(s) to earn up a $100 welcome 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
Additional Reading
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Read our review
Read Our Review
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How to use live chat feature: Axos Bank lets you speak with an Axos Team Member if you ask the EVO Virtual Financial Assistant. EVO is usually located at the bottom of the bank’s website.
6. Bank of America
Bank of America Advantage Plus Checking Account
3.75/5
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None
$100
$12 monthly service fee
Bank of America Advantage Plus Checking Account
3.75/5
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None
$100
$12 monthly service fee
Bank of America, Member FDIC
Details
$12 monthly service fee
None
$100
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Multiple ways to waive monthly service fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Link to savings for free overdraft protection
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$100 minimum opening deposit
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$12 monthly service fee
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$10 overdraft fee
Dash icon
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$2.50 out-of-network ATM fee
Highlights
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Access to over 3,900 branches and 15,000 ATMs
Waive $12 monthly service fee by doing one of the following: receive $250/month in direct deposits, keep $1,500 minimum daily balance, enroll in Preferred Rewards, or be a student under age 25
If you use Balance Connect and link your checking account to a backup account, there’s a $0 overdraft protection transfer fee
FDIC insured
Additional Reading
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Read our review
Read Our Review
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How to use live chat feature: Bank of America’s live chat feature pops up when you’re browsing through certain pages on the bank’s website. You’ll find it in the lower right-hand corner of the screen.
7. Barclays
Barclays Online Savings Account
4.25/5
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4.15%
$0
Barclays Online Savings Account
4.25/5
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4.15%
$0
Barclays Bank, Member FDIC
Details
4.15%
$0
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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
Dash icon
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Must transfer money to external bank to access it
Dash icon
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Low mobile app ratings in the Apple store
Highlights
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
No checking account or debit card, so you must transfer funds to an external bank account to access your money
Compounds interest daily to maximize earnings
Interest compounded daily, deposited monthly
FDIC insured
How to use live chat feature: If you are a customer of Barclays, live chat is available in the Barclays mobile app. Speak with a consumer representative by logging into your account, and going to the Contact Us section.
8. Blue Federal Credit Union
NOVA Perks™ by Blue Checking Account
4/5
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None
$0
up to $9 monthly service fee
NOVA Perks™ by Blue Checking Account
4/5
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None
$0
up to $9 monthly service fee
On Blue Federal Credit Union’s website
Details
up to $9 monthly service fee
None
$0
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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 savings
Dash icon
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$8 monthly fee for Basic plan if you don’t meet requirements to waive
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$7 per month for Premium plan and $9 per month for Premium plan, with no options to waive
Dash icon
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Doesn’t refund any fees charged by out-of-network ATMs
Dash icon
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$35 non-sufficient funds fee and $30 overdraft fee
Highlights
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
20 branches in Colorado and Wyoming, and you can open accounts online from around the US
30,000 free ATMs and 5,000 shared branches in the Co-op network
The easiest way to become a member of Blue FCU is to donate $5 to the Blue Foundation; you’ll also qualify if you work for a Select Employee Group or one of several armed forces groups
NOVA Basic plan is free if you complete one transaction per month or maintain a minimum $8 balance; otherwise, you’ll pay an $8 monthly service fee
Basic plan includes online and mobile banking, bill pay, a debit card, and eStatements
Premium plan costs $7/month; includes everything you get with Basic, plus buyer’s protection and extended warranty, ID theft aid, roadside assistance, health savings card, cell phone protection, BaZing savings when you shop local, and accidental death coverage
Elite plan costs $9/month; includes everything you get with Premium (with higher limits on buyer’s protection and extended warranty, ID theft aid, cell phone protection, and accidental death coverage), plus Billshark to negotiate bills, rebates on loans, and higher rates on term shares
Elite plan only costs $7/month for military, first responders, and students age 23 or under
Federally insured by the NCUA
Additional Reading
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Read our review
Read Our Review
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How to use live chat feature: Blue Federal Credit Union lets you speak with a customer representative if you’re browsing through the website. You might find the chatbox at the bottom right corner of the bank’s homepage or the Contact page.
9. Capital One 360
Capital One 360 Performance Savings
4.5/5
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4.15% (as of 6/23/23)
$0
no monthly service fee
Capital One 360 Performance Savings
4.5/5
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4.15% (as of 6/23/23)
$0
no monthly service fee
Details
no monthly service fee
4.15% (as of 6/23/23)
$0
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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 chat
Dash icon
A dash. It often indicates an interaction to shrink a section.
Limited access to customer service by phone
Highlights
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Over 470 branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Read our review
Read Our Review
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How to use live chat feature: Live chat is available if you bank with Capital One 360. Log into online banking to contact a representative.
10. Charles Schwab
Schwab Bank High Yield Investor Checking® Account
4.5/5
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0.45%
$0
Schwab Bank High Yield Investor Checking® Account
4.5/5
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0.45%
$0
Charles Schwab, FDIC Insured
Details
0.45%
$0
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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 protection
Dash icon
A dash. It often indicates an interaction to shrink a section.
Must also open a Schwab One brokerage account
Dash icon
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$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.
24/7 live online chat
No ATM network, but unlimited ATM fee reimbursements
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Read our review
Read Our Review
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How to use live chat feature: Click on the chat feature on the Charles Schwab Customer Service page. You’ll have to log into online banking if you have an account. If you don’t have an account, you’ll have to share your email and full name to verify your identity.
11. CIT Bank
CIT Bank Money Market Account
4/5
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1.55%
$100
CIT Bank Money Market Account
4/5
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1.55%
$100
On CIT Bank’s site. CIT Bank, FDIC Insured
Details
1.55%
$100
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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 opening deposit of $100
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Connect your account to Zelle or PayPal
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fee
Dash icon
A dash. It often indicates an interaction to shrink a section.
No paper checks
Dash icon
A dash. It often indicates an interaction to shrink a section.
No debit card
Dash icon
A dash. It often indicates an interaction to shrink a section.
No way to access funds at an ATM
Dash icon
A dash. It often indicates an interaction to shrink a section.
No physical locations
Highlights
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
Connect to Zelle and PayPal
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
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It indicates an expandable section or menu, or sometimes previous / next navigation options.
Read our review
Read Our Review
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How to use live chat feature: Live chat is only available if you’re part of CIT Bank. You’ll have to log in to send a message.
12. Citi
Citi® Accelerate Savings
3.75/5
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4.05% (vary by location)
$0
$4.50 monthly service fee
Citi® Accelerate Savings
3.75/5
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4.05% (vary by location)
$0
$4.50 monthly service fee
Details
$4.50 monthly service fee
4.05% (vary by location)
$0
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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 deposit
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.
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
Additional Reading
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Read our review
Read Our Review
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How to use live chat feature: To use the online chat feature at Citi, you’ll need to sign into online banking or mobile banking.
13. Clean Energy Credit Union
Clean Energy Credit Union Savings Account
3.75/5
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0.15%
$5
Clean Energy Credit Union Savings Account
3.75/5
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0.15%
$5
Details
0.15%
$5
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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 maintenance fees
Dash icon
A dash. It often indicates an interaction to shrink a section.
Low interest rate
Dash icon
A dash. It often indicates an interaction to shrink a section.
Must keep at least $5 in account to maintain membership
Highlights
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
To become a member of Clean Energy Credit Union, you’ll need to become a member of a participating organization or work at Clean Energy Credit Union, Our Climate, or 350 Colorado
Must keep at least $5 in account to maintain membership
Interest compounded and deposited monthly
NCUA insured
How to use live chat feature: To use the online chat feature, you’ll need to sign into Clean Energy Credit Union online banking or mobile banking.
14. Consumers Credit Union
Consumers Credit Union Free Rewards Checking Account
3.75/5
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0.01% to 5.00%
$5
$0 monthly service fees
Consumers Credit Union Free Rewards Checking Account
3.75/5
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0.01% to 5.00%
$5
$0 monthly service fees
Consumers Credit Union, NCUA insured.
Details
$0 monthly service fees
0.01% to 5.00%
$5
Pros & Cons
Chevron icon
It indicates an expandable section or menu, or sometimes previous / next navigation options.
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
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Unlimited reimbursements for out-of-network ATM fees
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$10 overdraft transfer charge
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Limited customer support availability
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Interest compounds monthly, not daily
Highlights
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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
Additional Reading
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How to use live chat feature: Only members of Consumers Credit Union have access to 24/7 live chat. Sign in to online banking.
15. Connexus Credit Union
Connexus Xtraordinary Checking Account
4.75/5
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0% to 1.75%
$0
Connexus Xtraordinary Checking Account
4.75/5
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0% to 1.75%
$0
On Connexus Credit Union’s website
Details
0% to 1.75%
$0
Pros & Cons
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Ability to earn a high APY
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No minimum opening deposit
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No monthly service fee
Check mark icon
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No out-of-network ATM fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Refunds up to $25/month in out-of-network ATM fees charged by providers
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Multiple overdraft protection options
Dash icon
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Interest compounds monthly, not daily
Dash icon
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$29.95 overdraft fee
Highlights
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Become a Connexus member by donating $5 to the Connexus Association
54,000+ free ATMs
Subscribe to e-statements to earn APY. You also must either make 15 debit card transactions per month OR spend $400 per month with your debit card
Earn 1.75% APY on balances up to $25,000; earn 0.25% APY on balances over $25,000
Federally insured by the NCUA
Additional Reading
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How to use live chat feature: Only members of Connexus Credit Union have access to 24/7 live chat. Sign in to online banking.
16. Discover Bank
Discover Online Savings Account
4.75/5
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4.15% (as of 6/22/23)
$0
no monthly service fee
Discover Online Savings Account
4.75/5
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4.15% (as of 6/22/23)
$0
no monthly service fee
Discover Bank, Member FDIC
Details
no monthly service fee
4.15% (as of 6/22/23)
$0
Pros & Cons
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Competitive APY
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No monthly service fee
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A check mark. It indicates a confirmation of your intended interaction.
No opening deposit
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A check mark. It indicates a confirmation of your intended interaction.
No insufficient funds fee
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No excess withdrawal fee
Dash icon
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Only 1 branch location
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No debit card unless you open a checking account
Highlights
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No monthly balance requirements
100% US-based customer service available 24/7
No hidden fees
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
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How to use live chat feature: You must bank with Discover Bank to initiate live chat. Log into online banking.
17. GECU
GECU Savings Account
4/5
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0.15%
$10
no monthly service fee
GECU Savings Account
4/5
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0.15%
$10
no monthly service fee
Details
no monthly service fee
0.15%
$10
Pros & Cons
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$20 minimum opening deposit
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No monthly service fees
Dash icon
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Need $100 in your account daily to earn APY
Dash icon
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Interest compounded quarterly, not daily
Dash icon
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Low APY compared to online banks
Dash icon
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Only 4 free transactions per month, then $3 per transaction
Highlights
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Credit union that serves a Hispanic American community
27 locations in El Paso, Texas, and part of the CO-OP Shared network
To become a member, you or a family member need to work or live in El Paso County, Dona Ana County, or Hudspeth County
To earn APY, you need to maintain $100 in your account daily
Interest compounded and deposited quarterly
Federally insured by the NCUA
Additional Reading
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How to use live chat feature: GECU lets you speak with a customer representative if you’re a customer. On the right side of the page, there’s a chat button.
18. KeyBank
KeyBank Smart Checking Account
4/5
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None
$10
no monthly service fee
KeyBank Smart Checking Account
4/5
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None
$10
no monthly service fee
Details
no monthly service fee
None
$10
Pros & Cons
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No minimum balance
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No monthly service fees
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Free overdraft protection
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Account alerts to avoid overdrawing
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$10 minimum opening deposit
Dash icon
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$3 out-of-network ATM fee
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$20 overdraft fee
Highlights
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Over 900 branches in 16 states across the US
Over 50,000 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 a line of credit
Key Cover Zone allows you to overdraw up to $20 from your account and you won’t be charged overdraft fees as long as you restore your account balance by the end of the day
Member FDIC
Additional Reading
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How to use live chat feature: You must bank with KeyBank to initiate live chat. Log into online banking or visit the contact us page and click on the Live Chat sign-in.
19. Marcus by Goldman Sachs
Marcus High Yield Online Savings Account
4.75/5
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4.15% (as of 5/9/2023)
$0
no monthly service fee
Marcus High Yield Online Savings Account
4.75/5
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4.15% (as of 5/9/2023)
$0
no monthly service fee
Details
no monthly service fee
4.15% (as of 5/9/2023)
$0
Pros & Cons
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Competitive APY
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Easy-to-use mobile app
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No required initial deposit or minimum account balance
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No monthly service fee
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No digital check deposit
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No physical branch locations
Highlights
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No fees and no minimum deposit
Link other bank accounts for incoming and outgoing transfers
US-based contact center open 7 days a week
FDIC insured
Additional Reading
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How to use live chat feature: Only customers of Marcus have access to the bank’s live chat tool. Sign into online banking to reach out to a representative
20. Navy Federal Credit Union
Navy Federal Free Active Duty Checking™ Account
4.5/5
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0.05%
$0
Navy Federal Free Active Duty Checking™ Account
4.5/5
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0.05%
$0
Details
0.05%
$0
Pros & Cons
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Check mark icon
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No minimum opening deposit
Check mark icon
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Refunds up to $20 per month in out-of-network ATM fees
Check mark icon
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Receive direct deposits one day before payday
Check mark icon
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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 service
Dash icon
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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
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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
355 branches worldwide, including on select military bases
30,000 free ATMs
Interest compounded monthly, paid monthly
Federally insured by the NCUA
Additional Reading
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How to use live chat feature: Navy Federal Credit Union lets you speak with a customer representative if you’re browsing through the website. Look for the chat feature at the bottom right-hand corner of the page.
21. Juno
Juno Basic Checking Account
4.25/5
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4.00% or 5.00% (depends on deposit amount)
$0
Juno Basic Checking Account
4.25/5
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4.00% or 5.00% (depends on deposit amount)
$0
Details
4.00% or 5.00% (depends on deposit amount)
5.00% yearly bonus on deposit balances up to $25,000; 4.00% yearly bonus on deposit balances from $25,001 to $250,000
Show more
$0
Pros & Cons
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No minimum opening deposit
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No monthly service fees
Check mark icon
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High APY on balances up to $25,000
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn cash back
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Virtual debit card and access to Apple Pay, Google Pay, Samsung Pay
Check mark icon
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No out-of-network ATM fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Refunds 1 fee charged by an out-of-network ATM provider per month
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Dash icon
A dash. It often indicates an interaction to shrink a section.
APY lowers on balances over $25,000
Dash icon
A dash. It often indicates an interaction to shrink a section.
No APY on balances over $250,000
Dash icon
A dash. It often indicates an interaction to shrink a section.
No option to overdraw
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.
No joint accounts
Highlights
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85,000 free ATMs nationwide
Earn 5.00% APY on balances up to $25,000; 4.00% APY on balances of $25,001 to $250,000; no APY on balances over $250,000
Choose 10 companies to earn 5% cash back with, on spending up to $500 per year
Can also buy and sell cryptocurrency through Juno
Interest compounded monthly, paid monthly
FDIC insured through partner bank, Evolve Bank & Trust
Additional Reading
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How to use live chat feature: Visit Juno’s support page. One of the options will be to talk to a support team member.
22. LendingClub
LendingClub High-Yield Savings Account
4.25/5
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4.50%
$100
LendingClub High-Yield Savings Account
4.25/5
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4.50%
$100
LendingClub Bank, FDIC Insured
Details
4.50%
$100
Pros & Cons
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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 ATM card included
Dash icon
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$100 minimum opening deposit
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Interest compounds monthly
Highlights
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Online banking institution with 1 branch in Boston, Massachusetts
Earn 4.50% APY regardless of your account balance
Interest compounded monthly, deposited monthly
Member FDIC
Additional Reading
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How to use live chat feature : LendingClub lets you speak with a customer representative if you’re browsing through the website. Look for the chat feature at the bottom right-hand corner of the page.
23. Quontic Bank
Quontic Money Market Account
4.25/5
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4.75%
$100
Quontic Money Market Account
4.25/5
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4.75%
$100
Quontic Bank, Member FDIC
Details
4.75%
$100
Pros & Cons
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Check mark icon
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Competitive APY
Check mark icon
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$100 minimum opening deposit
Check mark icon
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No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Includes a debit card and paper checks
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No out-of-network ATM fees
Dash icon
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Doesn’t reimburse any fees charged by out-of-network ATM providers
