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 | |
|---|---|---|---|---|---|---|---|
| Ally Bank Online Savings Account | Savings | 3.00% (as of September 2026, cut from 3.10% effective June 3, 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 September 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 September 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 September 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 September 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 September 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 September 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 September 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 | 3.00% (as of September 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 | |
| CIT Bank Platinum Savings | Savings | 3.75% on balances of $5,000+ (as of September 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 September 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 September 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 September 2026, up from 3.95%) | $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 September 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 September 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 August 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 September 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 |