Top Online Banking Reviews

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.

Chime®

Chime® is an award-winning financial app** and debit card. Rest easy knowing your funds are FDIC-insured 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.

Discover® Cashback Debit Checking

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 online 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*.

OnePay

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 3.35% 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.

Upgrade Rewards Checking Plus

Upgrade is a San Francisco-based financial technology company founded in 2016. It offers a checking account, credit cards, personal loans, and a credit monitoring and education center. Upgrade’s Rewards Checking Plus account offers 2% cash back on certain types of purchases¹ made with your debit card up to $500 per year, plus 1% cash back on all other purchases. The Rewards Checking Plus account has no monthly fees.²

CIT Bank

CIT Bank is an online bank that allows you to access banking services securely and conveniently, without leaving home. CIT Bank’s streamlined service model allows it to offer higher interest rates on savings accounts and lower service fees than many of its competitors. CIT Bank is a division of First Citizns Bank.

Western Alliance High Yield Savingss

Raisin is a financial platform that brings together savings accounts, high-yield CDs, no-penalty CDs, and money market deposit accounts from over 25 partner banks. You can deposit money in any of the available accounts and manage all of your accounts through Raisin. Explore Western Alliance products powered by Raisin with no fees incurred from Raisin on any of the savings products offered.

Bank of America Advantage Plus 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.

Varo; Member FDIC

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.

Bread Savings CD

Bread Savings is part of Bread Financial, a financial services company that dates back to 1983. As an online bank, Bread Savings is known for its variety of high-interest certificates of deposit (CDs) and a savings account. The company has a mobile app and helpful customer service—plus, opening an account online is quick and easy. While the minimum opening deposit is $1,500, there are no monthly maintenance or online statement fees.

SkyOne Callable CD

Raisin is a marketplace that helps you find the best rates for a certificate of deposit (CD) account, savings account, or money market account. The company connects you with accounts that you may not otherwise be able to access, like minority-owned and community-driven institutions. With SkyOne powered by Raisin, you’ll earn higher rates than you would if you signed up directly through one of the company’s partner banks.

Barclays Online CD

Barclays is a trusted name in banking, and although its roots stretch back to 17th century England, it’s as innovative as any financial institution on the market. Given its reputation, we were anxious to review the latest Barclays offering, online banking, and we weren’t disappointed. Barclays offers high APYs and low or no fees. Now let’s take a closer look at this banking solution.

mph.bank Callable CD

Raisin is a marketplace that helps you find the best rates for a certificate of deposit (CD) account, savings account, or money market account. The company connects you with accounts that you may not otherwise be able to access, like minority-owned and community-driven institutions. With mph.bank powered by Raisin, you’ll earn higher rates than you would if you signed up directly through one of the company’s partner banks.

U.S. Bank; Member FDIC

US Bank offers 5 checking accounts along with savings and investment accounts, home loans, and credit cards. If you fund a new Business Essentials or Platinum Business Checking Account with five qualifying deposits totaling $25,000 within 30 days and maintain a balance until the 60th day after account opening, US Bank will credit you $900. Manage your spending and transfer funds with the US Bank mobile app, and customer support is available 24/7.

Mercury

Mercury is a banking* services platform that offers high-tech business checking and savings accounts for startups and growing companies. Mercury charges zero account fees and doesn’t require a minimum deposit. You can request physical debit cards or create your own virtual cards for employees. Mercury also offers an API so you can integrate your bank account with the rest of your business software.

Grasshopper

Headquartered in New York City and founded in 2019, Grasshopper is a digital banking solution for small businesses, startups, and venture capital & private equity firms. Checking accounts for start-ups and SMBs can be opened in less than 10 minutes, and there is no monthly maintenance fee or minimum balance required after funding. Account holders get access to a free Visa debit card, and the accounting software Autobooks.

American Express® Business Checking

Founded in 1850, American Express is a U.S. financial services powerhouse whose products include bank accounts, credit cards, and loans. Its business checking account primarily targets small businesses and stands out for its zero monthly maintenance fee and a 1.30% annual percentage yield (APY)† on the first $500,000 of your account balance. Members also enjoy the convenience of 24/7 live support and access to a large network of fee-free ATMs.

Lili

Lili Banking is ideal for small businesses looking to get a better hold on their finances. Lili makes it easy to set money aside for taxes, organize expenses, and even get early access to direct deposits. The Lili Smart account offers advanced expense management tools and a unlimited invoices and payments. Lili's Basic account is completely free, and their Smart account is just $21 per month (normally $35).

Bluevine

When it comes to small businesses, you want a business checking account that offers flexibility along with excellent customer support and low fees. Bluevine gives its small business owners peace of mind and an array of services with its online options. Bluevine is not a bank, its banking services are provided by Coastal Community Bank, and all accounts are insured up to $3M through Coastal Community Bank, Member FDIC and their program banks.³

Relay

Founded in 2021, Relay is an online banking platform for small businesses, accountants, and bookkeepers to automate their bill pay and manage their cash flow and operating expenses. It charges no fees and makes it easy to send and receive ACH transfers, checks, or wires. You can sync transaction data directly in QuickBooks or Xero, and set up role-based permissions so there’s no need to share login information between staff.

SoFi Checking and 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.

American Express National Bank

American Express National Bank, Member FDIC, is one of the largest credit card companies in the US, offering excellent rewards and customer service for years. American Express online banking options are a great choice for anyone interested in an online-only banking experience. With a cutting-edge design, relatively high-interest rates, and no-fee banking, American Express has everything most users are looking for in an online banking platform.

CIT Bank Platinum Savings

CIT Bank is an online bank that allows you to access banking services securely and conveniently, without leaving home. CIT Bank’s streamlined service model allows it to offer higher interest rates on savings accounts and lower service fees than many of its competitors. CIT Bank is a division of First Citizns Bank.

Western Alliance Bank High-Yield Savings Premier

Western Alliance Bank is a Phoenix-based bank founded in 2003. Its High-Yield Savings Premier account offers 3.90%¹ annual percentage yield (APY) on deposits up to the maximum limit allowed of $250,000. You can open a new account with as little as $500. However, Western Alliance Bank has no branch access for this account type and doesn’t offer ATMs. So, it’s best for individuals who want to earn the best interest rate on their savings.

Current

New York-based Current is a financial services company offering a mobile banking app and a Visa debit card. Adult customers can choose a free Basic account or fee-paying Premium account, while Current also offers a specialized product for teenagers and their families. You can sign up in as little as 2 minutes, and your funds will be insured for up to $250,000 under the federally backed FDIC scheme.

UFB Portfolio Savings

UFB Premier Savings is one of two savings accounts available from UFB Direct Bank. The bank’s products and services are provided by its parent company, Axos Bank, established in 1999. The Premier Savings account offers competitive APY rates with no monthly maintenance fees or minimum deposit requirement. This fully online bank offers a range of digital tools, including an intuitive mobile app and secure online banking.

Bank of America® Business Advantage Banking

Bank of America (BofA) has a history that dates back to 1784. Today, it has over 200,000 employees, is one of the largest companies globally, and serves over 12 million business owners. Business Advantage Banking® is a business checking account with several tools and solutions for business owners. The account has two settings to ensure it can always meet your changing business needs, can be opened 100% online, and makes managing money easy.

Synchrony Bank High Yield Savings

Synchrony is an online platform for high-yield savings accounts, CDs, IRA CDs, and credit cards. It offers some of the best APYs. Any American aged 18+ can open a Synchrony savings account or CD online with a Social Security number and a few other basic financial details.

Western Alliance CD

Raisin is a marketplace that helps you find the best rates for a certificate of deposit (CD) account, savings account, or money market account. The company connects you with accounts that you may not otherwise be able to access, like minority-owned and community-driven institutions. With Western Alliance powered by Raisin, you’ll earn higher rates than you would if you signed up directly through one of the company’s partner banks.

Novo Boost

Novo offers checking accounts for small businesses, freelancers, and entrepreneurs. There are no monthly account fees or balance requirements, no ATM fees, and no fees for incoming wires. Novo integrates with a variety of business software tools. You can also make international payments using an integration with Transferwise, or pay for everyday purchases with the Novo debit card.

U.S. Bank Smartly® Checking

US Bank offers 5 checking accounts to choose from along with savings accounts, investment accounts, home loans, and credit cards. It's easy to manage your spending and transfer funds with the US Bank mobile app, and customer support is available 24/7.

HSBC Premier

HSBC is a major international bank, with 39+ million customers worldwide. It’s got all the features you’d expect of a traditional bank: deposits, credit cards to comprehensive investment options. True differentiation of its Premier Checking account is its international capabilities including easy onboarding for non-US citizens, fee free global money transfer and many more.

SoFi Plus

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.

Valley Bank Savings, Member FDIC

Raisin is a financial platform that brings together savings accounts, high-yield CDs, no-penalty CDs, and money market deposit accounts from different partner banks. You can deposit money in any of the available accounts and manage all of your accounts through Raisin. Explore Valley Bank products powered by Raisin with no fees incurred from Raisin on any of the savings products offered.