Top Online Banking Reviews

Opening a new bank account is an important choice that has to be made carefully. Delve into each online banking review to make the best choice.

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SoFi® Checking & Savings
Jun. 24, 2025
8 min read

SoFi® Checking & Savings

SoFi® is an online bank founded in 2011. It provides a variety of banking services, including credit cards, mortgages, investments, loans, and of course, bank accounts. SoFi Checking and Savings provides a competitive APY, and when you open this savings account, you automatically get a checking account too. The accounts are FDIC-insured, and you can access them at any time through the mobile app.

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Bank of America Advantage Banking
Jun. 24, 2025
4 min read

Bank of America Advantage Banking

Bank of America Advantage Banking is a checking account with three options: Advantage SafeBalance®, Advantage Plus®, and Advantage Relationship®. You can pick the one that suits you best now and then switch when your life changes. Established in 1904, Bank of America is now one of the largest banks in the country and the winner of numerous awards, including Javelin Strategy & Research’s Best Mobile Banking and Best Online Banking in 2022.

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Discover® Cashback Debit Checking
Jun. 19, 2025
3 min read

Discover® Cashback Debit Checking

Discover® Bank dates back to 1911 and offers a range of services to customers, including bank accounts, credit cards, loans, mortgages, and more. The Discover Cashback Debit is a no-fee checking account that offers 1% cash back. (See website for details.) You can also get your paychecks early when you set up direct deposit. The account is secure and offers access to 60,000+ fee-free ATMs.

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PNC Bank
Feb. 03, 2025
4 min read

PNC Bank

PNC Bank, member FDIC, was founded in 1845 and is now the seventh-largest US bank. It offers an online banking service called Virtual Wallet, which includes two checking accounts and a savings account. With Virtual Wallet, there’s no minimum deposit to open an account. If you make $5,000 worth of direct deposits within the first 60 days of opening your account, you’ll receive up to $400 cash bonus*.

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Chime®
Jun. 29, 2025
4 min read

Chime®

Chime®* is an award-winning financial app and debit card. Rest easy knowing your funds are FDIC-insured² through Chime's banking partners The Bancorp Bank and Stride Bank, N.A.. With simple online and mobile interfaces managing money virtually is easy. *Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

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OnePay Cash
May. 25, 2025
5 min read

OnePay Cash

OnePay is a fintech company that offers an online checking account which you can use to save money, and debit Mastercard through its partner Coastal Community Bank. Users with at least $500 in monthly direct deposits can benefit from 3.75% APY, earlier paydays, 3% cash back at Walmart (up to $150 monthly), and other exciting features. The app is simple to use and well-rated on the iOS App Store and Google Play Store.

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Varo Bank
Mar. 24, 2025
4 min read

Varo Bank

Varo Bank, N.A. is a hybrid online/mobile bank. Its Varo Bank Account comes with the promise of no monthly account maintenance fees and its Varo Savings Account has attractive annual percentage yields (APYs). Varo Bank offers significant advantages over online and brick-and-mortar banks: namely, no minimum balance to open an account; and the option of having your paycheck deposited up to two days early.

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