The top online banks combine a high APY with cheap costs and appropriate minimum criteria. These organizations, which sometimes lack branches or have limited physical locations, generally provide easy mobile and online banking experiences, as well as significant customer assistance.
Best Online Banks 2022
To uncover some of the top alternatives available, we analyzed the goods and services of 60 online banks across the country. You will discover more about why we picked each institute, what benefits and drawbacks they offer, and how you may acquire specific bank ratings in the sections that follow.
As of November 28, 2022, the annualized yield percentage (APY) and account information are valid.
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BEST OVERALL ONLINE BANK
Quontic Bank
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
90,000+
On Quontic Bank’s Website
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
90,000+
Why We Picked It
Quontic provides competitive APY, low minimum deposit requirements, minimal fees, and access to over 90,000 fee-free ATMs across the United States. You get all the features you’d expect from a digital bank as a Quontic customer, including 24/7 access to online banking and a mobile app.
In addition to standard banking products such as high-interest checks, savings accounts, money market accounts, and CDs, Quontic provides a variety of additional unique accounts. Every statement cycle, banks with Cash Rewards checking accounts return up to 1.50% cashback on eligible debit card transactions. In addition, Quontic provides a Bitcoin Rewards checking account in select states, which rewards 1.50% Bitcoin on qualifying debit card transactions.
Live chat, email, and phone support are all accessible.
Pros & Cons
- Cashback check, interest check, and Bitcoin check are all available.
- Online and mobile banking
- Over 90,000 free ATMs are available.
- Banking with full service
- Some banks and credit unions may offer higher rates.
- There is no customer service. 24/7
Details
One savings account, three checking accounts, money market accounts, and five CDs with durations ranging from six months to five years are available from Quontic Bank. Quontic launched a Bitcoin Rewards Check account in 2021, which is now only available in a few states. The smartphone app scored 4.4 out of 5 ratings on the App Store and 3.3 stars on Google Play.
BEST FOR AVOIDING FEES
Discover Bank
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
60,000+
Read Our Full Review
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
60,000+
Why We Picked It
Discover Bank maintains their fees as low as possible. There are no monthly fees, underfunding fees, or off-network ATM usage fees. Stop-pay orders, returned purchases, and overdrafts are likewise free of charge.
1% reward on debit card transactions up to $3,000 per month is available with bank checking accounts. View the site’s specifics. Customers can also use a wide network of ATMs. Discover provides a diverse range of banking products and services, including excellent interest rates on savings accounts.
Discover also provides mobile banking through apps that are popular on the App Store and Google Play. Customer assistance is accessible every day of the year, 24 hours a day.
Pros & Cons
- There are extremely little fees.
- Competitive interest rates and cash back profits
- Appreciated smartphone application
- ATM network that is extensive
- 24 hour customer service
- Other banks and credit unions offer better rates.
- Checking account does not earn interest
Details
Discover Bank provides cash-back checking accounts, high-yield savings accounts, money market accounts, and certificates of deposit (CDs) with periods ranging from three months to ten years. The mobile app scored 4.9 out of 5 reviews on the App Store and 4.7 stars on Google Play.
BEST FOR ATM ACCESS
Axos Bank
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
91,000+
On Axos Bank’s Website
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
91,000+
Why We Picked It
Axos Bank ticks a lot of boxes. It keeps fees low while maintaining a high APY. The required minimum deposit is reasonable. Customers also get access to over 91,000 ATMs throughout the United States, as well as unlimited domestic ATM charge reimbursements when utilizing off-network ATMs.
Axos also provides customer care through phone and encrypted internet messaging 24 hours a day, seven days a week (including Thanksgiving and Christmas). During regular business hours, the site also provides live chat.
Axos also performs well in mobile banking. The bank’s app, which allows customers to perform basic banking on the move, is well rated in the App Store and Google Play.
Pros & Cons
- Interest rates that are competitive
- Low costs and unlimited refund for ATM fees
- Appreciated smartphone application
- 24 hour customer service
- Full-service financial institution
- Some banks and credit unions offer higher interest rates.
- CD rates for an internet bank that are below average
Details
Axos provides five checking accounts, a savings account, an overnight money account, and CDs with durations ranging from three months to five years. Its mobile app has received 4.7 out of 5 ratings on the App Store and 4.5 stars on Google Play.
BEST FOR SAVINGS TOOLS
Ally Bank
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
43,000+ ATMs nationwide
Read Our Full Review
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
43,000+ ATMs nationwide
Why We Picked It
Ally, a full-service online bank, constantly provides competitive pricing for its products, with minimal fees, no monthly maintenance costs, and no minimum balance restrictions. It has a large ATM network and reimburses expenses incurred at non-network ATMs up to $10 every billing cycle.
Customers of Ally have access to the bank’s savings tools as well. With an Ally savings account, you may set up to ten distinct savings goals in one account. The bank also includes a “rounding” option that searches your checking account for transactions to round to the nearest dollar and deposit to your savings account. And your bank’s Surprise Savings tool analyzes your Ally checking account to determine a safe amount to save and transfers it to your savings account immediately.
With a customer support staff that is available by phone 24 hours a day, Ally Bank achieves excellent levels of client satisfaction. You can also receive answers to your queries by live chat, email, or postal mail.
Ally’s iOS and Android mobile apps have received great ratings in the App Store and Google Play.
Pros & Cons
- Provides useful savings tools
- High levels of consumer satisfaction
- Customer help is available 24/7.
- Fees and minimums are minimal to non-existent.
- Reimbursement of out-of-network ATM fees up to $10 per month
- Other banks and credit unions offer better rates.
- There is no method to deposit cash directly.
Details
Ally Bank provides savings, checking, money market, and CDs with periods ranging from three months to five years. It also provides rate-boosting CDs with durations of 2 and 4 years, as well as royalty-free CDs with terms of 11 months. The mobile app scored 4.7 out of 5 ratings on the App Store and 3.9 stars on Google Play.
BEST FOR COMBINED CHECKING AND SAVINGS
nbkc bank
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
37,000+ ATMs nationwide
Read Our Full Review
Products
Savings, Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
37,000+ ATMs nationwide
Why We Picked It
The bank nbkc The Everything account combines a savings and an interest account. One account may be used to spend, save, and pay bills. It offers a large ATM network and will reimburse you up to $12 a month for out-of-network ATM costs.
Overall, nbkc bank is a full-service bank with extremely low costs. Monthly account management costs, current account fees, minimum balance fees, and international transaction fees are all waived. Transfers inside the destination country are also provided at no cost.
Customers may contact customer support by live chat, phone, or email. You may access your accounts on the move with your bank’s mobile app.
Pros & Cons
- Provides a checking and savings account in one.
- Low or no cost
- Off-network ATM cost reimbursement of up to $12 per month
- High levels of customer satisfaction and live chat tools
- Banking with full service
- Other banks and credit unions offer higher interest rates.
- People who desire separate checking and savings accounts should avoid this product.
Details
The nbkc bank provides current and savings accounts, money market accounts, and CDs with periods ranging from three to five years. It also includes a one-year supply of CDs. The smartphone app has received 4.5 stars in the App Store and 4.2 stars on Google Play.
BEST FOR SHORT-TERM GOALS
iGObanking
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, Checking, MMAs, CDs
Fees
No monthly or ATM, $35 overdraft
ATM Network
55,000+ ATMs nationwide
Read Our Full Review
Products
Savings, Checking, MMAs, CDs
Fees
No monthly or ATM, $35 overdraft
ATM Network
55,000+ ATMs nationwide
Why We Picked It
All of iGObanking’s classic products (CDs, savings, checks, and money market accounts) provide competitive APYs and minimal fees, making them an excellent choice for storing funds for short-term purposes.
iGOBanking also provides access to a large network of free ATMs and up to a $15 monthly reimbursement on domestic ATM fees incurred by other banks.
Accounts at the bank may be viewed online as well as through a mobile app available for iOS and Android. Customer assistance is available seven days a week via phone or email.
Pros & Cons
- Product competition victory
- ATM network with a big number of free ATMs
- Third-party ATM costs up to $15 per billing cycle are reimbursed.
- Seven days a week, customer support is provided.
- Other banks and credit unions offer higher interest rates.
- Overdraft cost of $35
Details
iGObanking provides current accounts, savings accounts, money market accounts, and traditional CDs with periods ranging from 15 to 36 months. It also provides GiftsforBanking CDs, which provide you with a gift of your choosing when you open a two-, three-, or five-year CD with a deposit of $25,000 or more. The mobile app has a rating of 4.0 stars in the App Store and 3.7 stars on Google Play.
BEST FOR HIGH BALANCES
Salem Five Direct
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, Checking, CDs
Fees
No monthly or ATM, $35 overdraft
ATM Network
55,000+ ATMs nationwide
Read Our Full Review
Products
Savings, Checking, CDs
Fees
No monthly or ATM, $35 overdraft
ATM Network
55,000+ ATMs nationwide
Why We Picked It
Through a variety of precautions, Salem Five Direct ensures infinite cash. Each depositor is insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per ownership class. The Massachusetts Depositors Insurance Fund insures all deposits in excess of this amount (DIF). This is in contrast to the practice of many other banks, which normally restrict deposit protection to the FDIC maximum.
Monthly or out-of-network ATM fees are not charged by Salem Five Direct. It also reimburses other banks’ expenses up to $15 every statement cycle.
The Salem Five Direct mobile app, like the other online banks on our list, is well regarded. Live chat, online message, email, and phone support are all accessible.
Pros & Cons
- Unlimited Security Deposit Protection
- APY that is competitive
- Third-party ATM costs up to $15 per billing cycle are reimbursed.
- Appreciated smartphone application
- Other banks and credit unions offer higher interest rates.
- Overdraft cost of $35
- A minimum deposit of $10,000 is required for CDs.
Details
Salem Five Direct provides checking, savings, and CDs with periods ranging from 12 to 36 months. The smartphone app scored 4.7 out of 5 reviews on the App Store and 3.8 stars on Google Play.
BEST FOR GUARANTEED COMPETITIVE RATES
TIAA Bank
Our ratings take into account a product’s rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.
Products
Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
80,000+ ATMs nationwide
Read Our Full Review
Products
Checking, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
80,000+ ATMs nationwide
Why We Picked It
TIAA Bank provides a promise of profit with money market and checking accounts, assuring the interest you receive is in the top 5% of “competitor accounts”. This is based on the financial statements of the ten largest banks and thrifts in ten major US markets. While a bank’s promise of returns does not guarantee that you will get the greatest interest rate available, you know you deserve a competitive interest rate in comparison to the large banks and savings funds.
Additionally, the bank does not charge a monthly fee for their account, an overdraft fee from a connected TIAA bank account, or an ATM cost. TIAA also automatically reimburses third-party ATM costs up to $15 each month. Maintain a minimum checking account balance of $5,000 or greater to earn limitless ATM cashback.
The TIAA mobile app has a good reputation. Customer care is available via phone and email seven days a week.
Pros & Cons
- Offers guaranteed profits
- There are no monthly fees, overdrafts, or ATM fees.
- Off-network ATM charge reimbursements are unlimited with a minimum balance of $5,000.
- Appreciated smartphone application
- Seven days a week, customer support is provided.
- Despite the profit guarantee, you may find greater interest rates at other banks and cooperative banks.
- There is no savings account.
Details
TIAA offers a checking account (Check Profit Commitment), a money market account (Profit Money Market), a standard CD, an upgrade CD, and a so-called IntraFi CD, as well as a supply CD, which provides extended FDIC insurance for deposits. The app has received 4.7 out of 5 ratings on the App Store and 4.6 stars on Google Play.
BEST FOR PARKING CASH
Vio Bank
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
No ATM network
Read Our Full Review
Products
Savings, MMAs, CDs
Fees
No monthly, overdraft or ATM
ATM Network
No ATM network
Why We Picked It
For its three primary products – savings, money market accounts, and CDs – Vio Bank offers competitive interest rates, cheap fees, and very easy minimum deposit amounts. Notably, it does not have a checking account, ATM, or branch network, making it an excellent choice for anyone wishing to increase their cash.
However, you may still use the bank’s highly rated mobile app to access your deposit account and conduct internal and external transactions. You may also fund your Vio account with an ACH transfer from another bank. Furthermore, there are no fees for incoming or outgoing transfers at the bank.
Pros & Cons
- APY that is competitive
- Minimum deposit requirements are low.
- Saving can be encouraged through limited access to finances.
- There is no checking account.
- For some, the lack of an ATM network and branch access may be a detriment.
- Excessive transaction charge of $10
- Paper reports cost $5.
Details
Vio Bank offers savings accounts, money market accounts and CDs with maturities of 6 to 120 months. Its mobile app earns 4.6 stars out of 5 on the App Store and 3.4 stars out of 5 on Google Play.
BEST FOR HYBRID BANKING
Capital One 360
Our evaluations consider premiums, taxes, tariffs, and other product-specific characteristics. Our editorial team is solely responsible for all ratings.
Products
Savings, Checking, CDs
Fees
No monthly or ATM, $35 overdraft
ATM Network
70,000+
Read Our Full Review
Products
Savings, Checking, CDs
Fees
No monthly or ATM, $35 overdraft
ATM Network
70,000+
Why We Picked It
Capital One 360 is a hybrid of online and traditional banking services. You may access your account from anywhere at any time by using the bank’s well acclaimed mobile app.
Capital One Cafés are also available in select locations. Personal counsel is available in a café setting. The cafés provide trained earnings coaches, money lectures, and help creating and managing a Capital One account. If you can’t locate a coffee shop near you, Capital One has full-service locations around the country. Most internet banks do not have physical locations.
Customer support professionals are available via phone seven days a week from 8:00 a.m. to 11:00 p.m. Time in the west. Eno, the bank’s virtual assistant, may be reached via the mobile app or in writing. You may also contact Capital One through Twitter.
Capital One 360 makes it simple to create and maintain a savings account, checking account, or CD. There are no banking products that have a minimum deposit or balance requirement.
Pros & Cons
- Capital One Cafes that provide direct bank service
- Branch accessibility
- Seven days a week, customer support is provided.
- A massive ATM network
- There is no deposit or minimum balance requirement.
- Overdraft cost of $35
- Account with no deposits
- Capital One cafés and branches are only available in a few states
Details
Capital One 360 provides savings accounts (360 Performance Savings), checking accounts (360Checking), and certificates of deposit (CDs) (360 CDs). It also provides a savings account for youngsters and a cash check for teens. Its mobile app has received 4.9 ratings on the App Store and 4.6 stars on Google Play.
Methodology
Forbes Advisors reviewed the goods and services of 60 online banks, including a mix of major and small online banks as well as new institutions, to compile this list. Each bank is ranked based on 12 data factors, including Product Offering, APY, Fees, ATM Network, Customer Experience, Digital Experience, and Minimum Requirements.
The weights awarded to each category are as follows:
- Product discount: 20%
- APY: 20%
- Fees: 20%
- ATM network: 10%
- Customer satisfaction: 10%
- Digital experience: 10%
- Minimums: 10%
Online banks with the highest APY and lowest fees on their products, as well as those with minimal minimum deposit and balance restrictions and broad ATM networks, surged to the top of the list. Banks with great customer satisfaction and simple digital banking services do well as well. A bank must be a nationally available online bank to feature on this list.
What Is Online Banking?
Online banking refers to virtual banking via a website or mobile app. You may manage your money without travelling to a bank or ATM by using your laptop or smartphone.
Most traditional banks and credit unions provide internet banking to their consumers. The selection of services typically does not differ much from that of the finest online banks. The distinction is that with traditional banking, you may also visit a branch. This is not the case with traditional internet banking.
How Does Online Banking Work?
Customers who use internet banking can begin transactions online, via a mobile app, via phone, or by mail. They may also connect their online banking accounts to their accounts at traditional banks, credit unions, or other online banks.
The products and services offered by online banks differ per institution. Online banks, in general, allow you to create accounts, pay bills, transfer money, deposit checks, examine bank statements, and do other common banking functions. Many additionally provide free ATM network access.
What Are the Benefits of Online Banking?
Online banking has several benefits that may make managing your finances much easier. If you’re looking for the finest online banking but aren’t sure if it’s perfect for you, here are some of the top perks to consider.
Convenience
One of the most significant advantages of internet banking is the ability to access your accounts from nearly any location. You may check your balance, pay bills, and transfer money between accounts as long as you have access to your online or mobile banking.
Without needing to visit a bank, you may also send checks remotely and set up notifications or alarms. If your debit card is lost or stolen, you can deactivate it using your mobile app so that no further purchases can be made. These are chores that can be completed with a few keystrokes.
While online banks do not have physical locations, several of them do provide access to ATMs if you need to withdraw cash. In summary, whether you’re at home, out to dinner, or on a long day vacation, internet banking keeps you linked to your money.
Added Features
Many services are available through online banking and mobile banking. However, you may obtain more than simply basic account management.
Some of the top online banking accounts contain the following features:
- Goal trackers
- Automated savings
- Financial calculators
- Budgeting tools
- Person-to-person payments
- Integration with mobile wallet apps
All of these options might give you more control over your money. If you’re having trouble developing a regular saving habit, a built-in tracker or automated saving can assist.
Cost
Online-only banks do not have the same overhead as traditional banks. If you are weary of paying hefty fees, this might be a huge benefit.
Many of the greatest online banks do not have any fees:
- Monthly maintenance fees
- Minimum balance fees
- Person-to-person transfer fees
- Incoming wire transfer fees
- Foreign transaction fees
- Overdraft fees
- ATM fees
Every billing cycle, some of the finest online banks will even reimburse your domestic and overseas ATM costs up to a set amount. The lower your fees, the more of your hard-earned money you keep.
If you place your fee savings into a high-yield savings account, online banking might pay off differently. Because of decreased administrative expenses, online banks may provide considerably more competitive interest rates than traditional banks.
Record Keeping
Tracking spending is essential for developing and adhering to a realistic budget. This work is made easier by online banking, which allows you to monitor credit and debit transactions at a glance.
You can conveniently search your account data for individual transactions or evaluate purchases made over time. As previously said, several of the finest online bank accounts use digital tools to assist you in categorizing spending for easy budgeting.
Other Benefits of Online Banking
There are several benefits to using online banking. Here is a brief rundown of some of the advantages of internet banking:
- It is simple to open an account without visiting a bank.
- Bill payment automation saves you time and money on mailing.
- You are not required to wait for a cashier.
- You may pay the bill for nothing.
- The automated savings deposit might help you build up your funds faster.
- Online banking can be linked to budgeting software.
- You can keep an eye on your account for signs of fraud from anywhere.
Online banking can alleviate some of the difficulties and frustrations connected with keeping track of your accounts. It’s also a secure way to handle your money.
Online banks, like traditional banks, may employ the same degree of encryption and provide additional security features such as multi-factor authentication. These precautions, together with simple actions to safeguard your online banking security, may keep your account information safe and secure from hackers.
How to Choose an Online Bank
Online banks do not have the costs that traditional banks have. As a result, banks typically pass on those savings to clients in the form of cheaper fees, greater interest rates, and user-friendly digital banking products. However, not all online banks are created equal, and some provide superior goods and services than others.
Other factors to consider while selecting an online bank include:
- Fees. Fees might quickly deplete your whole bank amount. Look for an online bank that charges as little costs as possible. Monthly fees, overdraft fees, and ATM costs are all included. It’s even better if the bank pays for the third-party ATM costs. Examine your banking habits to determine which costs you should be concerned about the most. With the correct bank, you may typically avoid costs.
- APYs. Find a bank that will pay a competitive APY on its financial products if you want to get the most bang for your money. Online banks typically pay greater interest rates, so shop around for the best rates.
- Minimums. Account administration is typically made easier by lower minimum deposit and balance restrictions. Find an online bank with the bare minimums that meet your financial needs.
- Products. Which online banking service you use is highly influenced by the product you require. Some online banks are full-service financial organizations that provide services such as checking, savings, money market accounts, CDs, and other investments. Others limit their offerings.
- ATM network. If you need cash quickly, look for an online bank that has a large network of free ATMs. Check your bank’s website to check whether there are ATMs nearby or in locations where you frequently go.
- Customer experience. Online banks often do not provide branch access, or if they do, it is frequently to a restricted level. As a result, while purchasing at an online bank, it is critical to consider customer service. Look for a bank that has readily available customer care people or online chat options.
- Digital banking experience. In the age of digital banking, convenience is crucial. Your most essential encounters with internet banking take place on your bank’s website and mobile app. The finest online banks have a straightforward internet interface as well as highly rated mobile apps that allow you to bank from anywhere, at any time. View reviews of mobile apps on the App Store and Google Play.
- Safety. In the case of a bank failure, look for one that is guaranteed by the Federal Deposit Insurance Corporation (FDIC), which provides coverage of up to $250,000 per depositor, per bank, and per asset class account. Check with the National Credit Union Administration to see if the account is insured (NCUA).
How to Choose an Online Bank
Online banks do not have the costs that traditional banks have. As a result, banks typically pass on those savings to clients in the form of cheaper fees, greater interest rates, and user-friendly digital banking products. However, not all online banks are created equal, and some provide superior goods and services than others.
Other factors to consider while selecting an online bank include:
- Fees. Fees can quickly deplete your bank account balance. Look for an online bank that charges as little costs as possible. Monthly fees, overdraft fees, and ATM costs are examples of these. Even better if the bank covers the international machine fees.Analyze your banking behavior to figure out which fees you need to worry about most. You can often avoid fees with the right bank.
- APYs. If you want to get the most bang for your buck, find a bank that will pay a competitive APY on that bank’s financial products. Online banks tend to pay higher interest rates, so compare some offers to get the best rates possible.
- Minimums. Account administration is typically made easier by lower minimum deposit and balance restrictions. Find an online bank with the bare minimums that meet your financial needs.
- Products. Which online banking service you use is highly influenced by the product you require. Some online banks are full-service financial organizations that provide services such as checking, savings, money market accounts, CDs, and other investments. Others limit their offerings.
- ATM network. If you need cash quickly, look for an online bank that has a large network of free ATMs. Check your bank’s website to check whether there are ATMs nearby or in locations where you frequently go.
- Customer experience. Online banks often do not provide branch access, or if they do, it is frequently to a restricted level. As a result, while purchasing at an online bank, it is critical to consider customer service. Look for a bank that has readily available customer care people or online chat options.
- Digital banking experience. In the age of digital banking, convenience is crucial. Your most essential encounters with internet banking take place on your bank’s website and mobile app. The finest online banks have a straightforward internet interface as well as highly rated mobile apps that allow you to bank from anywhere, at any time. View reviews of mobile apps on the App Store and Google Play.
- Safety. In the case of a bank failure, look for one that is guaranteed by the Federal Deposit Insurance Corporation (FDIC), which provides coverage of up to $250,000 per depositor, per bank, and per asset class account. Check with the National Credit Union Administration to see if the account is insured (NCUA).