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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.
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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.
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Earn interest
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No minimum opening deposit
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No monthly service fees
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$20/month in out-of-network ATM fee refunds
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No overdraft fees
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No incoming wire transfer fee
Cons
Compounds interest monthly, not daily
$25 outgoing wire transfer fee
Highlights
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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
Additional Reading
Read our review
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.
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High APY
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Unlimited out-of-network ATM reimbursements
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No monthly maintenance fees
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No overdraft fees
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No non-sufficient funds fees
Cons
$50 opening deposit
No APY if you can’t meet qualifications
Few mobile app reviews
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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
Read our review
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.
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Perks such as roadside assistance, ID theft aid, cell phone protection, and more
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No minimum opening deposit
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Easy to waive monthly fee on Basic plan
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Doesn’t charge out-of-network ATM fees
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Free overdraft protection when you automatically transfer funds from savings
Cons
$8 monthly fee for Basic plan if you don’t meet requirements to waive
$7 per month for Premium plan and $9 per month for Premium plan, with no options to waive
Doesn’t refund any fees charged by out-of-network ATMs
$35 non-sufficient funds fee and $30 overdraft fee
Highlights
More Information
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
Read our review
Standout feature: The NOVA Perks™ by Blue Checking Account is the credit union’s most unique account; it comes with perks like roadside assistance and cell phone protection. Depending on which tier you choose, though, you might have to pay a fee.
How to contact customer support: Customer service representatives are available over the phone.
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No opening deposit
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No minimum account balance
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Unlimited out-of-network ATM reimbursements
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No foreign transaction fees
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Free overdraft protection
Cons
Must also open a Schwab One brokerage account
$25 overdraft fee if you don’t enroll in protection
Highlights
More Information
24/7 live online chat
No ATM network, but unlimited ATM fee reimbursements
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
Read our review
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.
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No minimum opening deposit
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Relatively easy to waive $5 monthly fee
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Link to a Chase checking account for free overdraft protection
Cons
Low APY
Interest compounded monthly, not daily
$5 monthly service fee
Highlights
More Information
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
Additional Reading
Read our review
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.
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Competitive APY
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No minimum opening deposit
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No monthly service fee
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Option to round debit card purchases to the nearest dollar and put spare change in savings account
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Option to automatically save a percentage of your paycheck
Cons
Must open Chime Spending Account before savings account
Deposit cash at Green Dot locations, which may charge fee
Highlights
More Information
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.
Additional Reading
Read our review
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.
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Competitive APY
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No monthly service fees
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No minimum monthly balance requirement
Cons
$100 minimum opening deposit
Highlights
More Information
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
Read our review
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.
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Competitive APY
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Low-to-standard early withdrawal penalties
Cons
$1,000 opening deposit
Interest compounded monthly, not daily
Highlights
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Credit union with 27 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
Term lengths of 6, 12, 24, 36, or 60 months
Early withdrawal penalties ranging from 60 to 270 days interest
Interest is compounded monthly and paid monthly
Additional Reading
Read our review
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.
Falcon International Bank Regular Checking Account
Learn more
On Falcon International Bank’s website
Details
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Editor’s Rating
3.5/5
3.5 out of
5 Stars
Pros & Cons
Pros
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No monthly service fee
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MasterCard debit card offering
Cons
$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
Highlights
More Information
Hispanic American-owned
22 ATM locations, $4 transaction fee for out-of-network ATMs
With overdraft protection there is a $35 charge
18 branches in Texas
Member FDIC
Additional Reading
Read our review
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.
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No minimum opening deposit
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No monthly service fees
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Overdraft protection available
Cons
$2.50 out-of-network ATM fee
$34 overdraft fee
$20/year or $10/day overdraft transfer fee
Highlights
More Information
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 and charges zero monthly service fees.
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
4/5
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
Fees
no monthly service fee
Start banking
International Bank of Commerce Free Checking Account
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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
Cons
$3 out-of-network ATM fee
$20 overdraft fee
Highlights
More Information
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
Read our review
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.
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$10 minimum opening deposit
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Competitive APY compared to brick-and-mortar banks
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Easy to waive the monthly service fee
Cons
$2 monthly service fee
$10 needed in account daily
Highlights
More Information
Credit union that serves a Hispanic American community
15 branches in North Carolina (Charlotte, Piedmont Triad, Triangle)
To become a member, you will need to join the Latino Community Development Center and pay a one-time $8 membership fee
Access to over 1,300 free Cashpoints ATMs throughout North Carolina
To earn APY, keep at least $10 in your account daily
To waive the monthly service fee, keep at least $10 in your account daily
Interest compounded daily, deposited monthly
Federally insured by the NCUA
Additional Reading
Read our review
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.
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No minimum opening deposit
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Refunds up to $20 per month in out-of-network ATM fees
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Receive direct deposits one day before payday
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No monthly service fee if you set up military direct deposits
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Free personalized checks
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3 overdraft protection options: savings transfer, line of credit, or optional overdraft protection service
Cons
Interest compounded monthly, not daily
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
Read our review
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.
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Competitive interest rates for low balances
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$5 opening deposit
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Paper checks
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No monthly service fee
Cons
Less competitive interest rates for high balances
Interest compounds monthly, not daily
No debit or ATM card
Highlights
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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
Additional Reading
Read our review
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.
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No monthly service fees
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You could earn a 1% annual savings bonus
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$5 minimum deposit when opened at a branch
Cons
$50 minimum deposit when opened online
Low APY
Highlights
More Information
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
Additional Reading
Read our review
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 over the phone.
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$500 minimum opening deposit
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Competitive interest rate, especially on long-term share certificates
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Standard term options
Cons
Standard early withdrawal penalties
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Credit union that serves a Hispanic American community
4 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
Additional Reading
Read our review
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.
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Low minimum opening deposit
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No monthly service fees
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Better interest rate than some brick-and-mortar banks
Cons
Online banks offer a higher interest rate
Must have $25 in account to maintain membership
Highlights
More Information
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.
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No minimum opening deposit
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No monthly service fees
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No out-of-network ATM fee
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Earn up to $30 per month in out-of-network ATM refunds, depending on tier level
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Earn up to 0.75% discount on certain loans, depending on tier level
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Get paid up to 2 days early
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Transfer funds from savings for overdraft protection
Cons
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)
Highlights
More Information
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
Additional Reading
Read our review
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.
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No monthly service fees
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No minimum opening deposit
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Overdraft protection available as a transfer from savings or as a line of credit
Cons
$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
Highlights
More Information
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.
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No monthly fee for students, or for adults under age 24 or age 62 or older
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No monthly fee for the first 12 months, with recurring monthly deposits of $25
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Mobile check deposit
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No minimum opening deposit
Cons
Low APY
$5 monthly service fee
Highlights
More Information
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.
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$25 minimum opening deposit
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You may qualify to waive the monthly fee
Cons
Low APY
$4 monthly service fee
Highlights
More Information
Earn an additional $100 when you open a new Standard Savings account, by June 20, 2023, complete deposit(s) of $15,000 or more, by July 13, 2023, and maintain a total account balance of $15,000 until October 13, 2023
Over 2,000 branches in 26 US states
Free access to around 4,700 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
Additional Reading
Read our review
Standout feature: US 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.
Frequently asked questions
How does customer support vary between banks?
Customer service varies at different financial institutions. Some of the options on this list have 24/7 customer support over the phone. Others offer support through live chat or email.
We include several different types of banks — online banks, national banks, and local banks — so you can see that there are many options out there. You can explore and compare different institutions with 24/7 customer service until you find the right one.
Should I use a bank with 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. That way, you can contact a customer service representative when other banks may be closed — after work hours or during the weekend.
When looking at customer service, it’s also a good idea to learn more about the bank’s history. Our reviews have a section on trustworthiness that includes any public controversies an institution has been involved in within the last three years. We also include ratings from the Better Business Bureau, which looks at how an institution responds to customer complaints.
Sophia Acevedo, CEPF
Banking Reporter
Sophia Acevedo is a banking reporter at Insider. She covers bank reviews, banking guides, and banking and savings articles for Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF). Sophia joined Insider in July 2021 and is an alumna of California State University Fullerton where she studied journalism and minored in political science. She is based in Los Angeles. You can reach out to her on Twitter at @sophieacvdo or email sacevedo@insider.com. Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >> Below are links to some of her most popular stories:
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