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.
| Account | Type | APY | Monthly Fee | Plans | Rating | Best For |
|---|---|---|---|---|---|---|
| Ally Bank Online Savings Account | Savings | 3.10% (as of June 2026) | $0 | — | 9.0 | Savers who want goal-based organization and a full-service online bank |
| Marcus by Goldman Sachs High-Yield Online Savings | Savings | 3.40% (as of June 2026) | $0 | — | 8.5 | Savers who want a big-name HYSA with zero hoops and fast transfers |
| Barclays Tiered Savings | Savings | 3.65% under $250,000; 3.75% on $250,000-$1M (as of June 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 June 2026) | $0 | — | 8.5 | Rate maximizers who still want a global systemic bank behind the login |
| EverBank Performance Savings | Savings | 3.90% (as of June 2026) | $0 | — | 8.5 | Set-and-forget savers who want a leader rate from a traditional chartered bank |
| LendingClub Bank LevelUp Savings | Savings | 4.00% with $250+ in monthly deposits; 3.00% standard otherwise (as of June 2026) | $0 | — | 8.5 | Savers who automate deposits and want 4% on the whole balance |
| Pibank (Intercredit Bank, N.A.) Pibank Savings | Savings | 4.40% (as of June 2026, trimmed from 4.60% in April 2026) | $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 |
| American Express National Bank High Yield Savings Account | Savings | 3.10% (as of June 2026) | $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 June 2026) | $0 | — | 8.0 | Savers who want online-bank rates without giving up branches and cash deposits |
| CIT Bank Platinum Savings | Savings | 3.75% on balances of $5,000+ (as of June 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 | 3.40% (as of June 2026) | $0 | — | 8.0 | Emergency funds that need same-minute cash access |
| Bask Bank (Texas Capital Bank) Interest Savings | Savings | 3.75% (as of June 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 |
| 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 |
| UFB Direct (Axos Bank) Portfolio Savings | Savings | 3.26% on all balances (as of June 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 June 2026) | $0 | — | 7.0 | Apple Card holders compounding Daily Cash without leaving Wallet |
| Discover (now Capital One, N.A.) Online Savings Account | Savings | 3.30% for existing accounts (as of June 2026) | $0 | — | 6.0 | Existing Discover customers riding out the Capital One migration |
| Laurel Road (KeyBank) High Yield Savings | Savings | 3.50% for existing accounts (as of June 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 |