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Best Banks and Credit Unions Advertiser disclosure: We consider you to be our top priority. Every every time. We believe everyone should be able make financial decisions without hesitation. And while our site does not include every company or financial product on the market however, we’re confident that the guidance we offer and the information we offer as well as the tools we design are independent, objective, straightforward — and free. How do we earn money? Our partners pay us. This may influence which products we review and write about (and the way they appear on our website) however it does not affect our advice or suggestions that are based on hundreds of hours of study. Our partners do not pay us to guarantee favorable reviews of their products or services. . The best Banks and Credit Unions Check out our lists of the top credit unions and banks to help you manage and grow your money. By NerdWallet Join NerdWallet on social media to receive updates on Jan 13, 2023. Editor: Yuliya Goldshteyn, Assistant Assigning Bank Yuliya Goldshteyn is a banking editor for NerdWallet. She previously worked as an editor, writer, and research analyst in a variety of industries, ranging from health care and market research. She graduated with a bachelor’s degree in the field of history from the University of California, Berkeley and a master’s degree in social sciences from the University of Chicago. You can reach her by email at

. The majority of products we feature are made by our partners who pay us. This affects the products we feature and where and how the product appears on a page. But, it doesn’t influence our opinions. Our views are our own. Below is a list and . The ideal institution, whether a credit union or neobank for you depends on what you’re looking for either a savings or checking account, or both. NerdWallet spent more than 200 hours comparing and grading over eighty financial establishments, including banks, neobanks and credit unions, to identify the top deposit accounts. (Neobanks offer several of the same products that traditional banks provide however, they aren’t technically banks themselves. Find out more about .) Find out more about these institutions and accounts. Check out a list of NerdWallet’s top banks as well as credit unions of 2023 Best credit unions and banks: Ally Bank: Best bank. Alliant Credit Union: Best credit union. Chase: Best for signing-up bonus offers and branch accessibility (tie). Capital One 360: Best online banking experience. Charles Schwab Bank: Best bank or credit union to get ATM access. Synchrony Bank: Best bank or credit union to purchase CDs. Wells Fargo Bank: Best bank or credit union for branch access (tie). Discover Bank: Best savings account. Ally Bank: Best money market account. SoFi: Best checking and savings combo. SoFi: The best checking account for all purposes. SoFi: The best checking account with high-interest rates. SoFi: Best checking account with no monthly fees. SoFi: The best checking account for overdraft fee avoidance. LendingClub Bank: Best for cash back. Axos Bank: Great for interest checking on the amount of $50,000. Connexus Credit Union: Great for interest checking the amount of $25,000. Marcus from Goldman Sachs: Best for immediate, high-limit transfers. Quontic Bank: Most domestic ATMs. A few of our most prestigious institutions for 2023. Our list includes credit unions. They generally focus more on customer service than banks do , and they pay more interest. Accounts with online access, like those that are on this list, however they can pay high rates, too. Find out more here . These are our top picks for top overall institutions of 2023. Ally Bank: Best bank No overdraft fees; strong customer service. 3.40% rate of interest on savings. Learn more in our . Alliant Credit Union: Best credit union. More than 80,000 free ATMs and interest-checking is offered. 2.70% annual percentage yield on savings. Read more in our . Capital One 360: Best online banking experience More than 70k ATMs for free; provides tools like virtual help and card number virtualization; teen checking available. 3.40 savings APY of 3.40 percent. Find out more about it in our . Charles Schwab: Best for ATM access. Unlimited fees for ATMs. 0.45% checking APY. Learn more in our . Chase: Great for signing-up bonuses as well as branch access (tie) No minimal direct deposit requirements to earn cash bonus for new checking accounts. There are more than 4700 branch locations are located in 49 states. Learn more in our . Discover Bank: The best savings account, no monthly charges and 3.30 percent annual percentage yield. Learn more in our . SoFi: Great for checking, high interest in the form of overdraft fee reduction and more . Up to 3.75 percent APR on savings balances, or up to 2.50% APY for check balances (APY is subject to fluctuation). There are no fees for overdrafts and no fee for overdraft coverage. Find out more about our . Wells Fargo Bank: Best branch access (tie) There are about 4,700 branches in the US. Find out more about them in our . Some of our top savings accounts for 2023. Consider a savings account at some of these banks, which scored highly for their savings options — including money market accounts as well as CDs. These accounts provide annual percentage yields that are higher than the national average of 0.33percent . Savings will increase faster with one of these accounts. Read more in our article about . Ally Bank: Best money market account More than 43,000 ATMs for free, plus some reimbursement for ATMs outside of network charges; excellent customer service. 2.75% APR on all balances of the money market account. Read more in our . Capital One 360: Best online banking experience 70,000 free ATMs; offers tools such as virtual assistance and virtual card numbers, as well as teen checking available. 3.40% savings APY. Find out more about it in our . Discover Bank: Best savings account with no monthly charges and 3.30 percent APY across all accounts. Find out more about it in our . Synchrony Bank Best for CDs Very competitive CD rates. Bump-up CDs and 11-month no-penalty CD available. Learn more about our . Marcus by Goldman Sachs: Best for same-day, high-limit transfers Same-day online external transfers that can be up to $125,000. 3.50% annual percentage yield (annual percent yield) with no minimum balance to earn the stated APY. Accounts must have at least a positive balance in order to stay open. The APY is valid until 12/21/2022. Find out more about it in our . SoFi: Great for checking and savings combo Up to 3.75% APY on savings balances. Automatic savings features to aid in building your savings. Read more in our . Savings cash management CD checking Money Market Member FDIC SoFi Savings and Checking APY 3.75% SoFi members with direct deposit are eligible to receive up 3.75% per year in annual percentage return (APY) in savings balances (including vaults) and 2.50% APY on checking balances. There is no minimum amount of direct deposit required to qualify for the 3.75 percent APY on savings and 2.50% APY for checking balances. Members without direct deposit will receive 1.20% APR on all balances, including savings and checking (including vaults). Rates of interest are subject to change and can change at any time. The rates listed are current as of 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Min. balance for APY $0 Member FDIC Marcus Online Savings by Goldman Sachs Bank with APY 3.50% 3.50% APY (annual per cent yield) with $0 minimum balance to earn the APY stated. Accounts must have a positive balance in order to be open. APY valid as of 02/07/2023. Min. balance for APY The cash accounts provide a range of services and features similar to checking, savings and/or investment accounts into one. These accounts for managing cash are generally offered by non-bank financial establishments. They combine the services and features that are similar to savings, checking and/or investment accounts in one package. These accounts for managing cash are typically provided by non-bank financial institutions. on the Wealthfront website. Wealthfront Cash Account APY 4.05% Min. amount for APY $1 on Betterment’s website Betterment Cash Reserve – Paid non-client promotions APY 4.00 percent annually percent yield (variable) is as of 02/06/2023. Min. balance for APY $0 CDs (certificates of deposits) are a kind of savings account that comes with fixed rates and terms typically, they have higher interest rates than traditional savings accounts. CDs (certificates of deposit) are a kind of savings account with a fixed rate and term which usually come with more interest rates than traditional savings accounts. CIT Bank CD APR 4.60% 1.5% Term 1.5 year FDIC Marcus by Goldman Sachs High-Yield CD APY 4.4 FDIC Marcus by Goldman Sachs High-Yield CD APY 4.40% 4.40% The APY (annual percentage yield) as of 01/25/2023 Term 1-year Checking account are used for cash deposits on a regular basis as well as withdrawals. Checking accounts are used for cash deposits on a regular basis as well as withdrawals. FDIC SoFi Checking and Savings APY 2.50% FDIC SoFi Checking and Savings APY 2.50 Members of SoFi with direct deposit are eligible to earn up to 3.75 per cent annually in percentage return (APY) in savings account balances (including vaults) and 2.50% APY on checking balances. The minimum amount of direct deposit needed to earn the 3.75 percent APY on savings, and 2.50 percent APY on checking balances. Members without direct deposit will get 1.20 percent interest on balances, including savings and checking (including vaults). The rates of interest are subject to fluctuation and are can change at any point. The rates shown are current at 01/04/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet Monthly fee $0 Upgrade Rewards Checking APY N/A Monthly fee $0 Deposits are FDIC Insured Current Account APY N/A Monthly fee $0 Deposits are FDIC Insured Chime Checking Account APY N/A Monthly fee $0 Member FDIC Axos Bank(r) Rewards Checking APY 1.25% Receive monthly direct deposits totaling $1,500 or more to earn 0.40% APY. Use Your Axos Visa(r) Credit Card for up to 10 transactions each monthly (min 3 cents per transaction) or sign up for Account Aggregation/Personal Financial Manager (PFM) within Online Banking to earn 0.30 percent APY. Keep an average daily amount of $2,500 in the Axos Managed Portfolios Invest Account in order to receive 0.20 percent APY. Maintain a daily average amount of $2,500 within an Axos self-directed trading Investment Account for 0.20 percent APY. Make use of the Rewards checking account for your entire each month Axos Consumer loan payment and earn 0.15 percent APR. Monthly fee of $0. Money market accounts have rates comparable to savings accounts, and come with some checking features. Money market accounts have rates comparable to savings accounts and include some features for checking. Members FDIC UFB Best Money Market APY 4.21% Min. balance for APY 0 Member FDIC Discover Bank Money Market Account APY 3.20 Percentage Min. balance for APY 1Are you looking for other great savings options? Browse our picks for Some Checking accounts that we think are the best of 2023 If you’re interested in check accounts for checking, the following banks have perks, such as interest on checking balances or ATM charge reimbursements. Additionally, they offer large ATM systems and won’t charge monthly charges. Because checking accounts are the main source of individuals’ daily spending cash and should be simple to access and inexpensive to keep. Find out more on . Charles Schwab Bank: Best ATM access. Unlimited worldwide Reimbursement of ATM fees. 0.45% APY on checking balances. Learn more about this in our . SoFi: Best for high-interest checking, no monthly fee or overdraft fees avoidance Up to 2.50% APY on check balances provided you meet direct deposit requirements. There are no overdraft charges and there is no charge for coverage of overdrafts. Find out more about our . Axos Bank: Perfect for checking interest on up to $50,000. 1.25 percent APY on checking balances as high as $50,000. Unlimited ATM fee reimbursements. Learn more about it in our . Connexus Credit Union: Great for interest checking on up to $25,000 Up to 1.75% APY on checks for balances of up to $25,000. More than 67,000 ATMs are fee-free. Learn more in our . LendingClub Bank: Best for cash-back. Unlimited 1% cash back when you meet the minimum monthly amount or direct deposit minimum requirement. Unlimited worldwide ATM charge reimbursements. Read more in our . Quontic Bank: Most domestic ATMs More than 90,000 in-network ATMs. 1.10% APY if you meet minimum spend requirements on debit cards. Find out more about it in our . >> For additional checking options, take a look at our picks for Back to top Are you looking for an idea that is more specific? If so, check out these articles: Compare some of the top money and savings account. Back to top Compare the top CD account Back to the top Compare the best checking accounts Back to top Compare the top institutions, banks and cash management accounts. Compare the top bank accounts for kids and students kids Summary of the best institutions and banks for 2023 Financial institution Best to … The ratings of NerdWallet are decided by our editorial staff. The scoring formulas take into account many data points associated with every financial product or service. Best overall bank. The ratings of NerdWallet are based on the editorial staff. The scoring formulas take into account multiple data points for every financial product or service. Best Credit union in general. The ratings of NerdWallet are based on our team of editors. The scoring formulas take into account many data points for each financial product and service. The most reputable credit union or bank for signing-up bonuses. The best credit union or bank for branch access (tie). NerdWallet’s ratings are determined by the editorial staff. The scoring formulas consider multiple data points for each financial service or product. The best bank experience online. The NerdWallet ratings are made by our editorial team. The scoring formulas are based on several data points associated with each financial product or service. The most reliable bank or credit union in terms of ATM access. NerdWallet’s ratings are determined by the editorial staff. The scoring formulas are based on multiple data points for each financial product and service. The most reliable bank or credit union for CDs. The NerdWallet ratings are made by our editorial team. The scoring formulas are based on many data points for each financial product or service. Best credit union or bank to access branch services (tie). NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account several data points associated with each financial product and service. The best savings account. NerdWallet’s ratings are determined by our editorial team. The scoring formulas consider many data points for every financial service and product. The best accounts for money markets. NerdWallet’s ratings are made by our team of editors. The scoring formulas take into account many data points for each financial service and product. Best savings and checking combination. The best checking account overall. The best checking account to earn high interest. The most reliable checking account, with no monthly fee. The best checking account for the prevention of overdraft fees. The ratings of NerdWallet are based on the work of our editorial team. The scoring formulas are based on multiple data points for each financial product and service. Best for cash back. NerdWallet’s ratings are determined by our team of editors. The scoring formulas take into account multiple data points for every financial service and product. It is ideal for checking the interest rate on up to $50,000. NerdWallet’s ratings are determined by our team of editors. The scoring formulas consider several data points associated with each financial product and service. Great for interest checking the amount of $25,000 or more. NerdWallet’s ratings are made by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. The best choice for same-day high-limit transfers. NerdWallet’s ratings are determined by our team of editors. The scoring formulas take into account many data points for every financial service and product. A majority of ATMs are located in the country. Are you looking for the biggest banks in the country? Learn how APY is used to calculate how compounding interest functions in this easy and comprehensive guide to annual percentage yield. We looked at over 80 financial institutions and service providers, including the largest U.S. banks based on assets, internet search traffic and other factors and the largest credit unions by the number of members and assets they have as well as other noteworthy and/or new players in the field. We evaluated them based on criteria including annual percentage yields minimum balances, fees, digital experience and more. The institutions and providers that were surveyed are: , and , , , and , , , , the , , , , , , an,, a , Liberty Bank, , , (by Axos), the following are:, (by Axos) scarlet, , , , and as well as , , and . In a similar vein… You can find a better savings account See our picks for the top high-yielding online savings accounts. Dive even deeper in Banking Get more smart money moves right to your inbox Sign up and we’ll email you Nerdy content on money-related topics that matter most to you and other strategies to get more value from your money.

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