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Last updatedDecember 2025
 Online Banking
Online Banking
Savings Accounts
Savings Accounts
Checking Accounts
Checking Accounts
Business Checking
Business Checking
1
SoFi® Checking & Savings
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Earn 7x the national checking rateEarn 7x the national checking rate
Checking & savings combined into one account
  • Grow your money with 0.50% APY on your checking balances
  • Earn up to $300 with qualifying direct deposit, terms apply.
  • No account fees or balance minimums
  • Member FDIC ; up to $3M of additional FDIC insurance
8.6
BestMoneyscore
VISIT SITE
2
Millions of usersMillions of users
Safe, secure & trusted by millions
  • Get up to $350 with a new Chime checking account*
  • Get paid up to 2 days earlyˆ with direct deposit
  • Fee-Free Overdraft up to $200* with SpotMe®
  • No monthly fees or minimums
8.7
BestMoneyscore
3
PNC Bank
Virtual Wallet®
  • Earn up to $400, conditions apply
  • Open an account online, no minimum deposit
  • Approx. 60K fee-free PNC and partner ATMs
8.6
BestMoneyscore
4
OnePay Cash
Banking app & debit card with reward offers
  • Earn up to 3.35% APY on Savings¹
  • Earn 3% cash back at Walmart on up to $150 spent per month with eligible deposits²
  • No monthly fees, no minimum balance
8.5
BestMoneyscore
5
Varo; Member FDIC
Zero monthly fees for checking & savings¹
  • Get paid up to 2 days early with direct deposit²
  • Automatic savings options available
  • Earn 2.50% APY & qualify to earn up to 5.00% APY¹
8.6
BestMoneyscore
6
Bank of America Advantage Banking
Advantage Banking gives you the flexibility you deserve
  • Cash offer up to $500. Click 'Learn more' for details.
  • Peace of mind with $0 Liability Guarantee
  • Bank of America, N.A. Member FDIC
8.2
BestMoneyscore

203,001 users

chose an account with BestMoney this month

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BestMoney Total Score
Our product scores consist of a combination of the following 3 components:
Popularity
BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed in the same query. Therefore, the higher the share of clicks a brand receives in any specific query, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.
Brand Reputation
Semrush is a trusted and comprehensive tool that offers insights about online visibility and performance. The BestMoney Total Score will consist of the brand's reputation from Semrush. The brand reputation is based on Semrush's analysis of clickstream data, which includes user behavior, search patterns, and engagement, to accurately measure each brand's prominence, credibility, and trustworthiness. If a brand does not have a Semrush score, the BestMoney Total Score will be based solely on the Click Trend Score and Products & Features Score (read below).
Features & Benefits
BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page.
Editorial Reviews
SoFi® Checking & Savings
SoFi® Checking & Savings
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Our Top Choice
Most Popular On BestMoney
SoFi® Checking & Savings
Earn 7x the national checking rateEarn 7x the national checking rate
Checking & savings combined into one account
  • Grow your money with 0.50% APY on your checking balances
  • Earn up to $300 with qualifying direct deposit, terms apply.
  • No account fees or balance minimums
  • Member FDIC ; up to $3M of additional FDIC insurance
8.6
BestMoneyscore