Bank Accounts
Every account we track — consumer checking, high-yield savings, business banking, cash management and kids accounts — with the fees, APYs, plan tiers and fine print that decide where your money should live. Chasing a payout instead? See bank bonuses.
Best Business Checking Accounts
The strongest operating accounts across fintech and branch banking, ranked.
Best High-Yield Savings Accounts
The top rates worth trusting, ranked by yield and rate-keeping track record.
Best Free Checking Accounts
Truly free checking: no monthly fee, no minimum balance, no waiver gymnastics, no fine print.
Best Online Banks
Full-service online-first banking, judged on checking and savings strength together.
Best Bank Accounts for Startups
Banking built for funded companies: free wires, real yield, and software that scales.
Best Kids and Teen Bank Accounts
From a first debit card at 6 to a teen-owned brokerage at 13, the accounts for kids and teenagers that grow up well.
Best Cash Management Accounts
Brokerage-grade cash accounts that out-pay, out-insure, and out-move regular banks.
Best Business Bank Accounts for LLCs
The right operating accounts for solo and small LLCs, from tax automation to branch access, re-verified September 2026.
| Account | Type | APY | Monthly Fee | Plans | Rating | Best For | |
|---|---|---|---|---|---|---|---|
| Charles Schwab Schwab Bank Investor Checking | Checking | 0.45% | $0 | — | 9.5 | International travelers and anyone who hates ATM fees on principle | |
| Wealthfront Cash Account | Cash Management | 3.30% base (as of August 2026); up to 4.20% with new-client boost and direct deposit bump | $0 | — | 9.5 | Anyone holding serious cash who wants top-tier rate, coverage, and instant access | |
| Fidelity Cash Management Account | Cash Management | Under review | Under review | — | — | Current recommendation withheld | |
| SoFi Checking and Savings | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Bluevine Business Checking | Business Checking | 1.3% on balances up to $250,000 (Standard, with activity); up to 3.0% on Premier (as of September 2026) | $0 (Standard) | 3 tiers | 9.0 | Small businesses that want yield on operating cash without fees | |
| Mercury Business Banking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Ally Bank Online Savings Account | Savings | 3.00% (as of August 2026, cut from 3.10% effective June 3, 2026) | $0 | — | 9.0 | Savers who want goal-based organization and a full-service online bank | |
| Fidelity Youth Account | Kids & Teens | Under review | Under review | — | — | Current recommendation withheld | |
| Ally Bank Spending Account | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| X Money Account | Cash Management | 4.00% with X Premium; 6.00% with Premium+ or $1,000+ in qualifying deposits every 34 days | $0 account fee; current rollout requires paid X access ($8/month Premium or $40/month Premium+ on web) | 2 tiers | 8.7 | Existing X Premium subscribers who can meet the qualifying-deposit rule and want debit rewards | |
| Capital One 360 Checking | Checking | 0.10% on all balances | $0 | — | 8.5 | Anyone who wants a free primary checking account and doesn't need branches | |
| Alliant Credit Union High-Rate Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Relay Business Banking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Brex Business Account | Cash Management | Under review | Under review | — | — | Current recommendation withheld | |
| Chase Business Complete Banking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| American Express Business Checking | Business Checking | 1.3% on balances up to $500,000 | $0 | — | 8.5 | Digital-first businesses in the Amex ecosystem that never touch cash | |
| Live Oak Bank Business Savings | Business Savings | Under review | Under review | — | — | Current recommendation withheld | |
| Marcus by Goldman Sachs High-Yield Online Savings | Savings | 3.40% (as of August 2026) | $0 | — | 8.5 | Savers who want a big-name HYSA with zero hoops and fast transfers | |
| Barclays Tiered Savings | Savings | 3.50% under $250,000; 3.65% on $250,000-$1M (as of August 2026) | $0 | 2 tiers | 8.5 | Rate-focused savers who want a major-bank name without minimums | |
| Openbank by Santander High Yield Savings | Savings | 3.80% (as of August 2026; exact rate varies by ZIP code) | $0 | — | 8.5 | Rate maximizers who still want a global systemic bank behind the login | |
| EverBank Performance Savings | Savings | 3.90% (as of August 2026) | $0 | — | 8.5 | Set-and-forget savers who want a leader rate from a traditional chartered bank | |
| Happen Bank (formerly LendingClub) LevelUp Savings | Savings | 4.00% with $250+ in monthly deposits; 3.00% standard otherwise (as of August 2026) | $0 | — | 8.5 | Savers who automate deposits and want 4% on the whole balance | |
| Pibank (Intercredit Bank, N.A.) Pibank Savings | Savings | 4.10% (as of August 2026, cut from 4.40%) | $0 | — | 8.5 | Pure rate maximizers comfortable with a minimalist single-purpose vault | |
| Raisin Savings Marketplace | Savings | Up to ~4.15% depending on partner institution (as of August 2026) | $0 | — | 8.5 | Rate-chasers tired of opening a new bank account every rate cycle | |
| Greenlight Greenlight Debit Card for Kids & Teens | Kids & Teens | 2% savings reward on Core, up to 6% on Family Shield (on up to $5,000 per family) | $5.99-$19.98 per family (up to 5 kids), no free tier | 4 tiers | 8.5 | Families with multiple kids who want serious parental controls and will use the platform features | |
| Capital One MONEY Teen Checking | Kids & Teens | Under review | Under review | — | — | Current recommendation withheld | |
| Axos Bank Axos ONE (successor to Rewards Checking) | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Navy Federal Credit Union Free Easy Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Rho Business Banking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Ramp Business Account (Ramp Treasury) | Cash Management | Under review | Under review | — | — | Current recommendation withheld | |
| Axos Bank Basic Business Checking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Grasshopper Bank Innovator Business Checking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| U.S. Bank Business Checking (Essentials / Gold / Platinum / Premium / Nonprofit) | Business Checking | None on Essentials and Platinum; interest-bearing Gold and Nonprofit options; Premium earns an earnings credit | $0 / $20 / $30 / $34 / $0; Gold and Platinum waivable | 5 tiers | 8.0 | Low-volume businesses in U.S. Bank's footprint that want free branch banking | |
| Capital One Business Checking (Basic / Enhanced / Premier) | Business Checking | None | $15 (Basic), $35 (Enhanced), or $99 (Premier); all waivable | 3 tiers | 8.0 | High-transaction-volume businesses tired of per-item fees | |
| Huntington Business Checking (100 / Unlimited / Unlimited Plus) | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| nbkc bank Business Account | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| American Express National Bank High Yield Savings Account | Savings | 3.00% (as of August 2026, cut from 3.10%) | $0 | — | 8.0 | Amex cardholders who want savings in the same app and don't chase rates | |
| Capital One 360 Performance Savings | Savings | 3.00% (as of September 4, 2026) | $0 | — | 8.0 | Savers who want online-bank rates without giving up branches and cash deposits | |
| Betterment Cash Reserve | Cash Management | 3.25% variable (as of August 2026); promotional boosts up to 4.00% for 3 months | $0 | — | 8.0 | Betterment investors who want boosted yield and big FDIC coverage on idle cash | |
| CIT Bank Platinum Savings | Savings | 3.75% on balances of $5,000+ (as of August 2026); roughly 0.25% below $5,000 | $0 | — | 8.0 | Savers with $5k+ who will park it and periodically audit the rate | |
| Synchrony Bank High Yield Savings | Savings | 3.30% (as of August 2026, down from 3.40%) | $0 | — | 8.0 | Emergency funds that need same-minute cash access | |
| Bask Bank (Texas Capital Bank) Interest Savings | Savings | 3.75% (as of August 2026); up to 4.10% with rate-boost qualifying activities | $0 | 2 tiers | 8.0 | Savers who want a top cash rate — or AAdvantage mile accumulation on idle cash | |
| Step Step Visa Card & Money Account | Kids & Teens | 3% savings reward with Step Black (paid as rewards, not interest); none on the free tier | $0 core; Step Black can be earned at no cost with $300 in qualifying monthly direct deposits or $500 in monthly card spend; paid enrollment may be offered in-app | 2 tiers | 8.0 | Teens 13+ who want a free card that builds credit history before 18 | |
| Chime Checking Account | Checking | None on checking; linked savings pays 0.75% base, 2.75% with Chime Plus, or 3.75% with Chime Prime | $0 (all tiers, including Prime) | 3 tiers | 7.8 | Paycheck-to-paycheck banking with real overdraft and advance tools | |
| OnePay (formerly ONE) OnePay Cash | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Upgrade Rewards Checking Plus | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Betterment Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Chase Personal Checking | Checking | None on Total/Secure; 0.01% on Premier Plus | $15 (Total Checking), waived with $500 direct deposit or $1,500 balance | 5 tiers | 7.5 | People who want a branch on every corner and a recurring bonus machine | |
| Huntington Personal Checking | Checking | None on Asterisk-Free; 0.02-0.03% on Perks tiers | $0 (Asterisk-Free) | 4 tiers | 7.5 | Midwest customers who want free checking with real overdraft forgiveness | |
| Fifth Third Momentum Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Current Current Account | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Varo Bank Bank Account | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Found Business Banking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Lili Business Banking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| North One Business Banking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Square Square Checking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Shopify Shopify Balance | Cash Management | Under review | Under review | — | — | Current recommendation withheld | |
| Bank of America Business Advantage Banking | Business Checking | None | $16 (Fundamentals) or $29.95 (Relationship), waivable | 2 tiers | 7.5 | Businesses already in the BofA/Merrill ecosystem with Preferred Rewards status | |
| PNC Business Checking (Standard / Plus) | Business Checking | None | $12 (Business Checking) or $22 (Business Checking Plus), waivable; first 3 statement cycles free | 2 tiers | 7.5 | Small businesses in PNC's footprint that want a near-automatic fee waiver | |
| Citizens Clearly Better Business Checking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| First Internet Bank Do More Business Checking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Bread Savings (Bread Financial) High-Yield Savings | Savings | 4.00% (as of August 2026, up from 3.95%) | $0 | — | 7.5 | Parked savings that won't need fast or frequent withdrawals | |
| Vio Bank (MidFirst Bank) Cornerstone Money Market Savings | Money Market | 3.50% (as of August 2026, down from 3.55%) | $0 with e-statements ($5 paper statement fee otherwise) | — | 7.5 | Yield-first savers who don't need money-market access features | |
| Ally Bank Money Market Account | Money Market | 3.00% (as of August 2026, cut from 3.10% to match Ally's Online Savings rate) | $0 | — | 7.5 | Ally customers who want emergency-fund yield with instant card and check access | |
| Acorns Acorns Early (formerly GoHenry) | Kids & Teens | Under review | Under review | — | — | Current recommendation withheld | |
| Axos Bank First Checking | Kids & Teens | Under review | Under review | — | — | Current recommendation withheld | |
| Chase First Banking | Kids & Teens | Under review | Under review | — | — | Current recommendation withheld | |
| USAA Classic Checking | Checking | Interest applies on daily ledger balances of $1,000+; verify the current numeric APY with USAA | $0 | — | 7.3 | USAA insurance members who want banking under the same roof | |
| LendingClub Bank LevelUp Checking (successor to Rewards Checking) | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Bank of America Advantage Banking | Checking | None on SafeBalance/Plus; variable interest on Advantage Relationship, with the current rate unavailable online at review time | $12 (Advantage Plus), waived with $250 direct deposit or $1,500 balance | 3 tiers | 7.0 | Anyone willing to consolidate qualifying balances at Bank of America and Merrill for BofA Rewards | |
| U.S. Bank Bank Smartly Checking | Checking | ZIP-specific tiered rates; numeric APY requires a location selection | $12, waived with $1,500 monthly direct deposits, a $1,500 average balance, eligible relationships, qualifying age, or Gold tier+ | 5 tiers | 7.0 | Smartly Visa holders and Midwest/West customers building a relationship | |
| PNC Virtual Wallet | Checking | None on base Spend; token interest on Performance tiers and Growth account | $7 (base), waived with $500 direct deposits or $500 combined balance | 3 tiers | 7.0 | Budget-minded branch bankers who want overdraft protection done right | |
| KeyBank Personal Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| PenFed Credit Union Access America Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Novo Business Checking | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Wells Fargo Business Checking (Initiate / Navigate / Optimize) | Business Checking | None on Initiate; Navigate earns interest; Optimize earns an earnings allowance | $15 (Initiate), $25 (Navigate), or $75 (Optimize); first two waivable | 3 tiers | 7.0 | Cash-heavy businesses that can clear Navigate's balance waiver | |
| Truist Business Checking (Simple / Dynamic) | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| TD Bank Business Checking (Convenience Plus / Interest Plus) | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Regions Business Checking (LifeGreen Simple / LifeGreen / Advantage) | Business Checking | Under review | Under review | — | — | Current recommendation withheld | |
| UFB Direct (Axos Bank) Portfolio Savings | Savings | 3.26% on all balances (as of August 2026); up to 3.46% bundled with Freedom Checking | $0 | — | 7.0 | Vigilant rate-watchers who will police the rename game | |
| Apple / Goldman Sachs Bank USA Apple Card Savings | Savings | 3.40% (as of August 2026) | $0 | — | 7.0 | Apple Card holders compounding Daily Cash without leaving Wallet | |
| Wells Fargo Personal Checking | Checking | None on Clear Access/Everyday; variable interest on Prime/Premier, with current rates unavailable online at review time | $15 (Everyday), waived with $1,500 daily balance, $500 in qualifying electronic deposits, $5,000 linked balances, qualifying military direct deposit, or primary owner age 17-24 | 4 tiers | 6.5 | Branch loyalists who want coast-to-coast coverage and the occasional bonus | |
| Citi Checking | Checking | No APY advertised for Regular or Access Checking; linked savings rates vary | $15 (Regular Checking), waived with $250+ in enhanced direct deposits | 5 tiers | 6.5 | Big-metro residents and anyone with $200k+ who wants Citigold perks | |
| TD Bank Personal Checking | Checking | None on Complete/Essential; 0.01% APY on Beyond | $15 (Complete), waived with $500 direct deposits or $500 balance | 3 tiers | 6.5 | East Coasters who actually visit branches and value weekend hours | |
| Truist One Checking | Checking | None | $12, waived through qualifying deposits, balances, relationships, student status, or age | 5 tiers | 6.5 | Southeast banking customers who run lean balances and hate overdraft fees | |
| Citizens Personal Checking | Checking | None advertised on One Deposit; Quest and Private Client rates vary by location | $9.99 (One Deposit), waived with any single deposit per statement period | 3 tiers | 6.5 | Northeast customers who want a branch account with zero fee anxiety | |
| M&T Bank Personal Checking | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Cash App (Block, Inc.) Cash App Card + Savings | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Regions Personal Checking | Checking | None on LifeGreen/Now; location-dependent interest on Preferred | $8 with online statements or $11 with paper, waived by qualifying deposits or a $1,500 average balance | 3 tiers | 6.0 | Southerners who need branch access and can clear the direct-deposit waiver | |
| Discover (now Capital One, N.A.) Online Savings Account | Savings | 3.30% for existing accounts (as of August 2026) | $0 | — | 6.0 | Existing Discover customers riding out the Capital One migration | |
| Discover (now Capital One) Cashback Debit | Checking | Under review | Under review | — | — | Current recommendation withheld | |
| Laurel Road (KeyBank) High Yield Savings | Savings | 3.50% for existing accounts (as of August 2026); closed to new applicants | $0 | — | 4.0 | Existing Laurel Road customers only — monitor and be ready to move | |
| Milli (FNBO) Milli Savings | Savings | Under review | Under review | — | — | Current recommendation withheld |