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 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 first debit cards to teen-owned portfolios, the accounts 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.
| 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 July 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 | ~2.7% on the FDIC sweep; or hold SPAXX money market (~3.3% 7-day yield, June 2026) as your core position | $0 | — | 9.3 | Optimizers who want every idle dollar earning money-market yield | |
| SoFi Checking and Savings | Checking | Up to 3.80% savings with direct deposit (3.10% base + 0.70% promo boost); 4.50% on first $20k with SoFi Plus; ~0.50% checking | $0 | 3 tiers | 9.0 | Direct depositors who want bonus cash plus a top savings rate in one account | |
| Bluevine Business Checking | Business Checking | 1.5% on balances up to $250,000 (Standard, with activity); up to 3.7% on Premier | $0 (Standard) | 3 tiers | 9.0 | Small businesses that want yield on operating cash without fees | |
| Mercury Business Banking | Business Checking | None on checking/savings; Mercury Treasury yields roughly 3.0-3.6% net ($250k minimum) | $0 (banking is free on every tier) | 3 tiers | 9.0 | Startups and online businesses that want free wires and serious software | |
| Ally Bank Online Savings Account | Savings | 3.00% (as of July 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 | Uninvested cash can sit in money market funds at prevailing rates | $0 | — | 9.0 | Investing-curious teens 13-17 whose parents already use Fidelity | |
| Ally Bank Spending Account | Checking | 0.10% under $15,000; 0.25% on $15,000+ | $0 | — | 8.8 | Anyone who wants dead-simple free online checking with great budgeting tools | |
| 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 | 0.25% with eStatements and one monthly electronic deposit | $0 | — | 8.5 | Anyone who wants a full-service, member-owned primary bank with real ATM rebates | |
| Relay Business Banking | Business Checking | Auto-savings pays 1.11% (Starter), 1.75% (Grow), or 3.00% (Scale) as of 5/1/2026 | $0 (Starter) | 3 tiers | 8.5 | Businesses that budget across many accounts and handle some cash | |
| Brex Business Account | Cash Management | Treasury money market yields ~4.01% (up to 4.36% at $20M+); checking and Vault pay nothing | $0 (Essentials) | 3 tiers | 8.5 | Funded startups that want maximum yield with a card and spend platform attached | |
| Chase Business Complete Banking | Business Checking | None | $15, waived with $2,000 minimum daily balance, $2,000 in Chase Ink card spend, or $2,000 in Chase Payment Solutions deposits | — | 8.5 | Businesses that want a branch bank with the easiest fee waiver and regular bonuses | |
| 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 | 2.85% on all balances (lowered from 3.00% in January 2026) | $0 | — | 8.5 | Parking business reserves and emergency funds at a top-of-market rate | |
| Marcus by Goldman Sachs High-Yield Online Savings | Savings | 3.40% (as of July 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 July 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 July 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 July 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 July 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 July 2026, cut from 4.40%) | $0 | — | 8.5 | Pure rate maximizers comfortable with a minimalist single-purpose vault | |
| Raisin Savings Marketplace | Savings | Up to ~4.10% depending on partner institution (as of June 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 | 0.10% | $0 | — | 8.5 | Families who want a free, no-strings kid account from age 8 that lasts into adulthood | |
| Axos Bank Axos ONE (successor to Rewards Checking) | Checking | Up to 0.51% checking + 4.21% savings with qualifying activity; 1.00% savings base | $0 | 2 tiers | 8.0 | Steady W-2 earners who can reliably clear the deposit-and-balance hurdle | |
| Navy Federal Credit Union Free Easy Checking | Checking | 0.05% | $0 (requires direct deposit or 20 debit transactions per statement period to stay in the product) | — | 8.0 | Military members and families who want branch banking plus solid digital tools | |
| Rho Business Banking | Business Checking | None on checking; savings yield via insured sweep; Rho Treasury nets 3.19-4.39% ($100k minimum) | $0 | — | 8.0 | Incorporated companies that want banking and AP automation in one free platform | |
| Ramp Business Account (Ramp Treasury) | Cash Management | Roughly 2.0-2.5% variable on checking (true FDIC interest); Investment Account yields ~4.38% (money market fund, $5k minimum) | $0 (included with Ramp's free tier) | 2 tiers | 8.0 | Ramp card customers who want their operating cash earning FDIC-insured interest | |
| Axos Bank Basic Business Checking | Business Checking | None on Basic; Business Interest Checking pays 1.01% under $50k (then 0.10-0.20%) | $0 (Basic) | 2 tiers | 8.0 | Owners who want a real bank charter, ATM refunds, and a signup bonus | |
| Grasshopper Bank Innovator Business Checking | Business Checking | 1.35% on $25k-$250k; 1.00% below $25k and above $250k | $0 | 2 tiers | 8.0 | Businesses holding $25k-$250k that spend on debit and want a real charter | |
| U.S. Bank Business Checking (Essentials / Gold / Platinum) | Business Checking | None | $0 (Business Essentials), $20 (Gold), or $30 (Platinum); paid tiers waivable | 3 tiers | 8.0 | Low-volume businesses in U.S. Bank's footprint that want free branch banking | |
| Capital One Business Checking (Basic / Enhanced) | Business Checking | None | $15 (Basic) or $35 (Enhanced), waivable | 2 tiers | 8.0 | High-transaction-volume businesses tired of per-item fees | |
| Huntington Business Checking (100 / Unlimited / Unlimited Plus) | Business Checking | None on 100 and Unlimited; Unlimited Plus is interest-bearing | $0 (100), $20 (Unlimited), or $40 (Unlimited Plus); paid tiers waivable | 3 tiers | 8.0 | Midwest businesses that can catch one of Huntington's big checking bonuses | |
| nbkc bank Business Account | Business Checking | None | $0 | — | 8.0 | Small businesses that want zero-fee banking with no fine print | |
| American Express National Bank High Yield Savings Account | Savings | 3.00% (as of July 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 July 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 July 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 July 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 July 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 July 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; Step Black is $4.99, waived with $500+ monthly direct deposit | 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, 3.00% with Chime+, 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 | None on spending balance; 3.35% on savings with $500+ monthly direct deposit or $5,000+ balance, 1.00% otherwise | $0 | 2 tiers | 7.8 | Walmart regulars and cash-heavy earners who need free deposit access | |
| Upgrade Rewards Checking Plus | Checking | None on checking; linked Performance Savings pays a top-tier rate with the same direct-deposit status | $0 | 2 tiers | 7.8 | Debit-first spenders who want credit-card-grade cash back without a credit card | |
| Betterment Checking | Checking | None on checking; the separate Cash Reserve account carries the yield | $0 | — | 7.8 | Betterment investors and travelers who want every ATM and FX fee handed back | |
| 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) | 3 tiers | 7.5 | Midwest customers who want free checking with real overdraft forgiveness | |
| Fifth Third Momentum Checking | Checking | None | $0 | — | 7.5 | Midwest and Southeast customers who want zero-fee checking with overdraft grace | |
| Current Current Account | Checking | 4.00% boost on the first $2,000 in each of 3 Savings Pods ($6,000 total); balance above that earns nothing | $0 (premium tier made free in 2026; no paid plans remain) | — | 7.5 | Younger users who want advances, credit building, and a starter savings rate in one app | |
| Varo Bank Bank Account | Checking | None on checking; Varo Savings pays 2.50% base and 5.00% on the first $5,000 with qualifying activity | $0 | — | 7.5 | Small-balance savers who want fintech features backed by a real bank charter | |
| Found Business Banking | Business Checking | None on the free tier; 1.50% on balances up to $20,000 with Found Plus | $0 (free tier) | 3 tiers | 7.5 | Self-employed owners who want taxes and bookkeeping done in the bank app | |
| Lili Business Banking | Business Checking | Savings pays 2.25% up to $500k and 4.00% on the portion from $500k to $1M (effective 1/13/2026) | $0 (Core) | 4 tiers | 7.5 | Solo owners who want tax automation plus accounting in one subscription | |
| North One Business Banking | Business Checking | Up to 2.50% on Standard, up to 3.00% on Plus (activity requirements apply) | $0 (Standard) | 2 tiers | 7.5 | Service businesses that want free interest checking with envelope budgeting | |
| Square Square Checking | Business Checking | None on checking; Square Savings pays 1.00%, or 3.50% with $10,000+ saved | $0 | — | 7.5 | Square sellers who want instant, free access to their sales | |
| Shopify Shopify Balance | Cash Management | 2.28% rewards rate on balances (3.30% on Shopify Plus), accrued daily and paid monthly | $0 | — | 7.5 | Shopify merchants who want their payout float earning by default | |
| 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 $20 (Business Checking Plus), waivable | 2 tiers | 7.5 | Small businesses in PNC's footprint that want a near-automatic fee waiver | |
| Citizens Clearly Better Business Checking | Business Checking | None | $0 | — | 7.5 | Northeast/Midwest businesses that want free, conditionless branch checking | |
| First Internet Bank Do More Business Checking | Business Checking | 0.50% with a $10,000 average daily balance | $0 | — | 7.5 | Cash-free businesses that want a direct-charter online bank with no fees | |
| Bread Savings (Bread Financial) High-Yield Savings | Savings | 4.00% (as of June 2026) | $0 | — | 7.5 | Parked savings that won't need fast or frequent withdrawals | |
| Vio Bank (MidFirst Bank) Cornerstone Money Market Savings | Money Market | 3.55% (as of July 2026, down from 3.60%) | $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 July 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 | None | $8 (Early Lite) or included in the $12 Acorns Gold subscription | 2 tiers | 7.5 | Acorns users who want kid debit cards and custodial investing under one subscription | |
| Axos Bank First Checking | Kids & Teens | 0.10% | $0 | — | 7.5 | Teens 13+ who need a free, real bank account for paychecks and everyday spending | |
| Chase First Banking | Kids & Teens | None | $0 | — | 7.5 | Existing Chase households introducing kids 6-12 to a first debit card | |
| USAA Classic Checking | Checking | 0.01% on balances of $1,000+ | $0 | — | 7.3 | USAA insurance members who want banking under the same roof | |
| LendingClub Bank LevelUp Checking (successor to Rewards Checking) | Checking | 1.00% on balances of $2,500+; nothing below $2,500 | $0 | — | 7.2 | LendingClub borrowers and everyday debit spenders in the bonus categories | |
| Bank of America Advantage Banking | Checking | None on SafeBalance/Plus; 0.01% on Advantage Relationship | $12 (Advantage Plus), waived with $250 direct deposit or $1,500 balance | 3 tiers | 7.0 | Anyone willing to park investments at Merrill and milk Preferred Rewards | |
| U.S. Bank Bank Smartly Checking | Checking | Token interest (0.01% on positive balances) | $12, waived with $1,500 direct deposits, $1,500 balance, a Smartly credit card, 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 | None | $0 (both Key Smart and Hassle-Free) | 2 tiers | 7.0 | Customers in Key's footprint who want unconditionally free checking | |
| PenFed Credit Union Access America Checking | Checking | 0.15% up to $20,000; 0.35% from $20,000 to $50,000 | $10, waived with $500+ monthly direct deposit or $500+ daily balance | — | 7.0 | PenFed members consolidating around the credit union's loans and CDs | |
| Novo Business Checking | Business Checking | None | $0 | — | 7.0 | Freelancers and e-commerce sellers who invoice through Stripe | |
| 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 | None | $0 (Simple) or $20 (Dynamic), waivable | 2 tiers | 7.0 | Southeast businesses, especially cash-heavy ones that fit Dynamic | |
| TD Bank Business Checking (Convenience Plus / Interest Plus) | Business Checking | None on Convenience Plus; Interest Checking Plus earns interest at modest tiered rates | $20 (Convenience Plus) or $15 (Interest Plus), waivable | 2 tiers | 7.0 | East Coast retail businesses that bank in person on evenings and weekends | |
| Regions Business Checking (LifeGreen Simple / LifeGreen / Advantage) | Business Checking | None | $7 (LifeGreen Simple), $12 (LifeGreen), or $25 (Advantage), waivable | 3 tiers | 7.0 | Southern businesses that prefer activity-based waivers over balance minimums | |
| UFB Direct (Axos Bank) Portfolio Savings | Savings | 3.26% on all balances (as of July 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 July 2026) | $0 | — | 7.0 | Apple Card holders compounding Daily Cash without leaving Wallet | |
| Wells Fargo Personal Checking | Checking | None on Clear Access/Everyday; token interest on Prime and Premier | $10 (Everyday), waived with $500 balance or $500 in electronic deposits | 4 tiers | 6.5 | Branch loyalists who want coast-to-coast coverage and the occasional bonus | |
| Citi Checking | Checking | None at base; relationship tiers earn promotional rates on linked savings instead | $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; token interest 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 with $500 direct deposits, $500 in linked balances, or a Truist credit card/loan/mortgage | 5 tiers | 6.5 | Southeast banking customers who run lean balances and hate overdraft fees | |
| Citizens Personal Checking | Checking | None on One Deposit; token interest on Quest and Private Client | $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 | None on EZChoice/Plus; token interest on MyChoice Premium | $0 (EZChoice) | 3 tiers | 6.5 | Northeast and Mid-Atlantic customers who want a free community-style branch account | |
| Cash App (Block, Inc.) Cash App Card + Savings | Checking | None on spending balance; savings pays 1.50% base, 3.25% with Cash App Green ($300/month direct deposit or $500/month card spend) | $0 | — | 6.5 | Heavy Cash App users who want their P2P balance to finally earn something | |
| Regions Personal Checking | Checking | None on Simple/LifeGreen; token interest on Preferred | $8 (LifeGreen), waived with qualifying direct deposit or $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 July 2026) | $0 | — | 6.0 | Existing Discover customers riding out the Capital One migration | |
| Discover (now Capital One) Cashback Debit | Checking | None | $0 | — | 5.5 | Existing Discover checking customers riding it out until migration | |
| Laurel Road (KeyBank) High Yield Savings | Savings | 3.50% for existing accounts (as of July 2026); closed to new applicants | $0 | — | 4.0 | Existing Laurel Road customers only — monitor and be ready to move | |
| Milli (FNBO) Milli Savings | Savings | Discontinued — Milli shut down November 15, 2024 | N/A (product discontinued) | — | 2.0 | No one — discontinued; see Pibank or EverBank for current rate leaders |