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Honest reviews of the best banks, reviewed and ranked on institution type, monthly fees, ATM network, and branch access.
65,000+ fee-free ATMs
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Key Takeaways
Honest reviews of the best banks, reviewed and ranked on institution type, monthly fees, ATM network, and branch access.
| Company | Rating | Institution Type | Monthly Maintenance Fee | ATM Network | Branch Access | |
|---|---|---|---|---|---|---|
| Global bank | $10-$30 (waivable) | 65,000+ fee-free | Hundreds of US branches | |||
| Credit union | $0 | 80,000+ surcharge-free | Very few (digital-first) | |||
| Online bank | $0 | 80,000+ surcharge-free | Under 20 financial centers | |||
| Online bank | $0 | 75,000+ fee-free | None (online-only) | |||
| Bank (digital-first) | $0 | 70,000+ fee-free | Under 800 (8 states) |
Citibank is a full-service global bank best known for credit card rewards and a vast fee-free ATM network across retailers and 19+ countries. Standard savings rates are low and monthly fees are waivable, with promotional CD rates available. It suits customers who want global reach and card rewards alongside banking.
Best for: Rewards and global ATM access
4.5/5
Alliant is a top-10 US credit union with a digital-first model, offering a high-rate savings account and cashback checking with few fees. Membership is easy to obtain, and members get 80,000+ surcharge-free ATMs with out-of-network rebates. It fits members who want credit-union rates and low fees without local branches.
Best for: High APY and low fees
4.4/5
EverBank, formerly TIAA Bank, is an online-first bank best for high-yield savings and CDs, backed by its Yield Pledge to keep rates among the top 5%. Performance Savings carries no monthly fee, with access to 80,000+ surcharge-free ATMs. It suits savers and CD buyers who prioritize consistently competitive yields.
Best for: Savers and CD buyers
4.4/5
Ally is one of the most prominent online-only banks, with category-leading APYs across savings, CDs, and money market accounts and no monthly fees. It reimburses out-of-network ATM fees up to $10 per cycle and offers early direct deposit and CoverDraft overdraft protection. It suits savers who want strong rates and a polished digital experience without branches.
Best for: All-around online banking
4.3/5
Capital One pairs a strong digital experience with no-fee 360 Checking and Performance Savings accounts and a large rewards credit card portfolio. It runs fewer than 800 branches but offers 70,000+ fee-free ATMs. It fits digital-first consumers who want competitive savings rates and rewards without monthly fees.
Best for: Rewards with no fees
4.3/5
Chime is the largest US digital-only fintech, delivering fee-free, mobile-centric banking through partner banks with features like SpotMe overdraft and early direct deposit. It has no monthly fees and 47,000+ fee-free ATMs, but no joint accounts or loans. It suits mobile-first users who want simple, low-fee everyday banking.
Best for: Fee-free mobile banking
4.3/5
Discover is a top no-fee online bank offering a rewards-earning Cashback Debit account that pays 1% on up to $3,000 in monthly debit purchases. It has no monthly fees, no overdraft fees, and 60,000+ surcharge-free ATMs. It suits online-banking customers who want fee-free accounts with debit rewards.
Best for: No-fee online banking
4.3/5
Quontic is an online-only CDFI bank best for digital savers, with high-yield savings and innovative rewards checking, including a Bitcoin rewards option. Most accounts have no monthly fee and access to 90,000+ fee-free ATMs. It suits digital-first savers who want strong yields and unique rewards checking.
Best for: Digital high-yield savers
4.3/5
SoFi is a premier all-digital platform combining checking and savings with loans, investing, and a credit card in one ecosystem. Its bundled account has no monthly fees and access to 55,000+ fee-free ATMs, plus early direct deposit. It suits consumers who want banking and investing under one roof.
Best for: Banking plus investing
4.3/5
Texas Capital is a Texas-focused commercial and private bank, offering high-yield savings through its Bask Bank subsidiary alongside business and treasury services. Branch access is limited to about 16 Texas financial centers. It suits Texas businesses and high-yield savers comfortable banking largely online.
Best for: Texas businesses and savers
4.3/5
Wealthfront is an SEC-registered robo-advisor with a high-yield Cash Account plus automated investing with tax-loss harvesting. It charges no account fees on cash and provides FDIC coverage up to $8M via partner banks. It suits hands-off investors who want automated investing paired with a high-yield cash account.
Best for: Automated investing plus cash
4.3/5
Chase is the largest US bank, best for nationwide branch access and an all-in-one financial ecosystem spanning checking, savings, cards, and investing. Standard savings APYs are low and accounts carry waivable monthly fees, but sign-up bonuses and a top-rated app add value. It suits customers who want branches, ATMs, and one provider for everything.
Best for: Nationwide branch banking
4.2/5
Bank of America is the second-largest US bank, best for its vast branch network and feature-rich mobile app with the Erica assistant. Savings APYs are minimal and accounts carry waivable monthly fees, but the Preferred Rewards program rewards larger balances. It suits customers who value in-person access and an all-in-one banking app.
Best for: Branch access plus app
4.1/5
Marcus is a focused savings tool from Goldman Sachs, offering a high-yield savings account and CDs including a no-penalty option, with no monthly fees. It has no checking, debit card, or ATM network. It suits savers who want a simple, high-yield place to park cash rather than full-service banking.
Best for: Focused savings and CDs
4.1/5
Axos is one of the original US digital banks, offering fee-free Essential Checking and a High Yield Savings account with no minimums. It reimburses domestic ATM fees and provides 24/7 live phone support, though its business platform draws criticism. It suits consumers who want straightforward, fee-free personal banking online.
Best for: Scalable fee-free banking
4/5
Wells Fargo is one of the largest US banks, offering a massive branch and ATM network and a full range of accounts, cards, and loans. Savings APYs are low and accounts carry waivable monthly fees, and the bank is still rebuilding its reputation. It suits customers who want branch access and an all-in-one relationship.
Best for: All-in-one relationship banking
3.4/5
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