{"results":[{"account_type":"Savings Account","display_name":"EverBank","est_earnings":1950.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"2468","fdic_id":null,"logo":"2468_hires_logo_2x.png","name":"EverBank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"2468","excerpt":null,"image_url":"https://a.storyblok.com/f/102997/400x60/de6aa55a90/everbank-w400.jpeg","link":"https://www.bankrate.com/banking/reviews/everbank/","name":"EverBank","overall_rating":4.5,"title":null,"short_summary":"EverBank is an online institution offering deposit accounts with competitive rates and low minimum balances. Customers have access to thousands of fee-free ATMs. While the bank maintains branches, only a limited number are available, mainly in Florida.","customer_experience_summary":"EverBank serves customers in all 50 states. Its mobile app is highly rated by both iOS and Android users.\r\n\r\nEverBank provides access to thousands of surcharge-free ATMs. The bank also automatically reimburses customers up to $15 a month for any fees that ATMs in the U.S. charge for access. For accounts with balances of $5,000 or more, the bank reimburses an unlimited amount of ATM fees.\r\n\r\nCustomers can send and receive funds using Zelle through EverBank online banking or the EverBank mobile app.\r\n\r\nCustomer service is available by phone weekdays 8 a.m. to 8 p.m. Eastern time and Saturdays from 9 a.m. to 7 p.m.","savings_summary":"EverBank has a highly competitive savings account. Its rates are competitive, and there are no minimum feels to eat into your balance. You also don't need to have a certain balance to get the best rate possible for its savings account — in fact, the minimum opening deposit is $0.\r\n\r\nThe only feature you may be missing with EverBank's savings account is a way to partition your account. Some banks and credit unions have special savings features that allow you to set specific savings goals and track your progress — some even allow you to create subaccounts for those goals.","savings_rating":4.9,"savings_pros":"Highly competitive APY.\r\nNo monthly maintenance fee.\r\nMobile check deposit available.\r\nNo minimum opening balance.","savings_cons":"No savings delineation features.","mmas_summary":"EverBank's money market account is a strong option, especially if you're looking to do much of your banking in one place. It offers both a debit card and checks, along with a number of other benefits. This includes out-of-network ATM surcharges being reimbursed up to $15 per month, while accounts with a minimum balance of $5,000 receive unlimited fee reimbursements.\r\n\r\nThe biggest drawback is the minimum account balance to receive the best APY. You will need to have at least $10,000 in your account to receive the highest APY. Anything below that and you'll get a rate that's significantly lower.","mmas_rating":4.5,"mmas_pros":"Check-writing privileges and a debit card.\r\nOut-of-network ATM surcharge reimbursements.","mmas_cons":"Highest APY requires a large minimum balance."},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":null,"min_to_earn":0,"advertiser_notes":"No monthly maintenance fee, $0 to open, easily grow your money","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":0,"rate":3.9,"apy":3.9,"is_paid":true,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.9,"id":"2468::271","last_modified":"2026-04-09T00:00:00","offer_details":"

The EverBank Performance® Savings account boasts competitive rates to give you the financial advantage you deserve. With no monthly maintenance or mobile check deposit fees, this account allows you to take your savings to the next level without unnecessary fees holding you back. There’s no minimum deposit needed to open and no minimum balance requirement. Interest compounds daily to ensure your money works as hard as you do. Convenient mobile and online access gives you control over your money on your time and on the go. The seamless online application means you can set up your new account with ease.

When you bank at EverBank, you can rest assured that your information is protected with strong encryption technology and fraud detection. EverBank is an FDIC-insured national bank.

","backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":"https://www.myfinance.com/reporting/redir?utm_source=Other&utm_campaign=other&utm_medium=&redir=https%3A%2F%2Fwealth-click-service.bankrate.com%2Flazy_ep%2FeyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6ImdyYXBocWwta2V5LWhzMjU2In0.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.DLlpN5gSteE_7KD8hLnkhfR41hIvFrSgVxLkFAaB20s%3Fpur_id%3D20286781775740772344%26utm_placement%3DInline&textlink=false","transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/2468_hires_logo_2x.png","cohesion_data":{"productId":"2468::271","brand":"everbank","category":"savings","name":"savings","variant":"3.9"},"show_advertisement_callout":false,"circuit_product_id":"2468::271","historical_rate":{"effective_date":null,"effective_until":null,"state":"NATIONAL","yield_rate":3.8},"force_offer_details":false,"company":{"advertiser_statement":null,"id":"2468","fdic_id":null,"logo":"2468_hires_logo_2x.png","name":"EverBank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"2468","excerpt":null,"image_url":"https://a.storyblok.com/f/102997/400x60/de6aa55a90/everbank-w400.jpeg","link":"https://www.bankrate.com/banking/reviews/everbank/","name":"EverBank","overall_rating":4.5,"title":null,"short_summary":"EverBank is an online institution offering deposit accounts with competitive rates and low minimum balances. Customers have access to thousands of fee-free ATMs. While the bank maintains branches, only a limited number are available, mainly in Florida.","customer_experience_summary":"EverBank serves customers in all 50 states. Its mobile app is highly rated by both iOS and Android users.\r\n\r\nEverBank provides access to thousands of surcharge-free ATMs. The bank also automatically reimburses customers up to $15 a month for any fees that ATMs in the U.S. charge for access. For accounts with balances of $5,000 or more, the bank reimburses an unlimited amount of ATM fees.\r\n\r\nCustomers can send and receive funds using Zelle through EverBank online banking or the EverBank mobile app.\r\n\r\nCustomer service is available by phone weekdays 8 a.m. to 8 p.m. Eastern time and Saturdays from 9 a.m. to 7 p.m.","savings_summary":"EverBank has a highly competitive savings account. Its rates are competitive, and there are no minimum feels to eat into your balance. You also don't need to have a certain balance to get the best rate possible for its savings account — in fact, the minimum opening deposit is $0.\r\n\r\nThe only feature you may be missing with EverBank's savings account is a way to partition your account. Some banks and credit unions have special savings features that allow you to set specific savings goals and track your progress — some even allow you to create subaccounts for those goals.","savings_rating":4.9,"savings_pros":"Highly competitive APY.\r\nNo monthly maintenance fee.\r\nMobile check deposit available.\r\nNo minimum opening balance.","savings_cons":"No savings delineation features.","mmas_summary":"EverBank's money market account is a strong option, especially if you're looking to do much of your banking in one place. It offers both a debit card and checks, along with a number of other benefits. This includes out-of-network ATM surcharges being reimbursed up to $15 per month, while accounts with a minimum balance of $5,000 receive unlimited fee reimbursements.\r\n\r\nThe biggest drawback is the minimum account balance to receive the best APY. You will need to have at least $10,000 in your account to receive the highest APY. Anything below that and you'll get a rate that's significantly lower.","mmas_rating":4.5,"mmas_pros":"Check-writing privileges and a debit card.\r\nOut-of-network ATM surcharge reimbursements.","mmas_cons":"Highest APY requires a large minimum balance."},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Marcus by Goldman Sachs","est_earnings":1825.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"9904","fdic_id":null,"logo":"9904_hires_logo_2x.png","name":"Marcus by Goldman Sachs","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"9904","excerpt":null,"image_url":"https://www.bankrate.com/2020/02/23191121/MarcusFall2020Updated-300x113.png","link":"https://www.bankrate.com/banking/reviews/marcus/","name":"Marcus by Goldman Sachs","overall_rating":4.8,"title":null,"short_summary":"Marcus by Goldman Sachs is an online bank that rewards savers with higher-than-average rates and few fees. Plus, its accounts have low or no minimum deposit requirements. But while it’s easy to move your money in and out of your accounts via electronic transfer to another account you own, you won’t be able to deposit or withdraw cash.","customer_experience_summary":"Marcus by Goldman Sachs consistently rates highly according to Bankrate’s analysis of savings and CD accounts because of its competitive savings and CD rates, but it doesn’t offer checking or money market accounts.\r\n\r\nBased on the thousands of positive reviews on both the Apple App Store and Google Play, customers are highly satisfied with the Marcus app. The app includes access to Marcus Insights, which allows customers to link external accounts to track goals and balances in one convenient location.\r\n\r\nThe Marcus app does not support mobile check deposits, however, so all deposits must be electronically transferred. Marcus also does not offer branch or ATM access.\r\n\r\nCustomer service representatives can be reached 24/7. There is also a chat for customers during a business day.","savings_summary":"Marcus’ high-yield savings account offers a competitive APY, requires no minimum deposit to open and charges no monthly fees.\r\n\r\nMarcus doesn’t charge wire transfer fees, but the bank has an external transfer limit of $125,000 for online and automated clearing house transfers. Wire transfers have a $50,000 per statement cycle limit. Its website says to call the bank if you need to transfer more money.\r\n\r\nMarcus doesn’t limit the number of transfers or withdrawals taken from your Marcus savings account.","savings_rating":4.8,"savings_pros":"Marcus offers a solid yield on its savings account.\r\nThe account requires no minimum deposit to open.\r\nThere are no monthly fees.\r\nMarcus doesn’t charge for wire transfers.","savings_cons":"Mobile check deposit is not offered; all deposits must be transferred or automated.\r\nThere is no ATM access.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":null,"min_to_earn":0,"advertiser_notes":"Backed by the financial expertise of Goldman Sachs.","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":0,"rate":3.65,"apy":3.65,"is_paid":true,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.8,"id":"9904::271","last_modified":"2026-04-09T00:00:00","offer_details":"

The Estimated Interest Earned is generated by Bankrate and may not reflect actual interest earned at Goldman Sachs Bank USA. Please visit the Marcus website for an estimate on interest earned on a Marcus Online Savings Account.

","backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":"https://www.myfinance.com/reporting/redir?utm_source=Other&utm_campaign=other&utm_medium=&redir=https%3A%2F%2Fwealth-click-service.bankrate.com%2Flazy_ep%2FeyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6ImdyYXBocWwta2V5LWhzMjU2In0.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.XbXjFt51P52WPhBkGw5jzpbBopbIHxwgdjbp7Zm_N60%3Fpur_id%3D16861671775740772344%26utm_placement%3DInline&textlink=false","transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/9904_hires_logo_2x.png","cohesion_data":{"productId":"9904::271","brand":"marcus by goldman sachs","category":"savings","name":"savings","variant":"3.65"},"show_advertisement_callout":false,"circuit_product_id":"9904::271","historical_rate":{"effective_date":null,"effective_until":null,"state":"OH","yield_rate":4.4},"force_offer_details":false,"company":{"advertiser_statement":null,"id":"9904","fdic_id":null,"logo":"9904_hires_logo_2x.png","name":"Marcus by Goldman Sachs","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"9904","excerpt":null,"image_url":"https://www.bankrate.com/2020/02/23191121/MarcusFall2020Updated-300x113.png","link":"https://www.bankrate.com/banking/reviews/marcus/","name":"Marcus by Goldman Sachs","overall_rating":4.8,"title":null,"short_summary":"Marcus by Goldman Sachs is an online bank that rewards savers with higher-than-average rates and few fees. Plus, its accounts have low or no minimum deposit requirements. But while it’s easy to move your money in and out of your accounts via electronic transfer to another account you own, you won’t be able to deposit or withdraw cash.","customer_experience_summary":"Marcus by Goldman Sachs consistently rates highly according to Bankrate’s analysis of savings and CD accounts because of its competitive savings and CD rates, but it doesn’t offer checking or money market accounts.\r\n\r\nBased on the thousands of positive reviews on both the Apple App Store and Google Play, customers are highly satisfied with the Marcus app. The app includes access to Marcus Insights, which allows customers to link external accounts to track goals and balances in one convenient location.\r\n\r\nThe Marcus app does not support mobile check deposits, however, so all deposits must be electronically transferred. Marcus also does not offer branch or ATM access.\r\n\r\nCustomer service representatives can be reached 24/7. There is also a chat for customers during a business day.","savings_summary":"Marcus’ high-yield savings account offers a competitive APY, requires no minimum deposit to open and charges no monthly fees.\r\n\r\nMarcus doesn’t charge wire transfer fees, but the bank has an external transfer limit of $125,000 for online and automated clearing house transfers. Wire transfers have a $50,000 per statement cycle limit. Its website says to call the bank if you need to transfer more money.\r\n\r\nMarcus doesn’t limit the number of transfers or withdrawals taken from your Marcus savings account.","savings_rating":4.8,"savings_pros":"Marcus offers a solid yield on its savings account.\r\nThe account requires no minimum deposit to open.\r\nThere are no monthly fees.\r\nMarcus doesn’t charge for wire transfers.","savings_cons":"Mobile check deposit is not offered; all deposits must be transferred or automated.\r\nThere is no ATM access.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Capital One","est_earnings":1600.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"8351","fdic_id":null,"logo":"8351_hires_logo_2x.png","name":"Capital One","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"8351","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/8351_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/capital-one/","name":"Capital One","overall_rating":4.8,"title":null,"short_summary":"Capital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.","customer_experience_summary":"Capital One has fewer branches than some of its competitors, but it does offer cutting-edge digital bank features. Capital One was the first bank in the U.S. to launch a skill for Amazon’s Alexa so that customers can voice commands to search for information, such as bank account balances.\r\n\r\nThe bank’s web interface and mobile app also earn high marks in the Android and iOS app stores, and mobile customers can send and receive money using Zelle through the Capital One app.\r\n\r\nCapital One has nearly 300 branches in select states for in-person banking, and it operates around 50 Capital One Cafes, where customers can open accounts, deposit cash and checks, and socialize. The cafes also offer food and drinks, available for purchase by anyone. Using your Capital One credit card or debit card gets you half off handcrafted beverages.\r\n\r\nAccount holders can attend various events and take advantage of free financial coaching sessions.\r\n\r\nCustomers also can access more than 70,000 ATMs through Capital One's owned-and-operated machines, and the Allpoint and MoneyPass networks. Mobile app users can take advantage of the Add Cash in Store feature to deposit cash at CVS stores through a cashier.\r\n\r\nEarly paycheck, which allows direct-deposit customers to access their incoming funds up to two days early, can be a useful feature for those on tight budgets or who are paid once a month.","savings_summary":"Capital One’s 360 Performance Savings account offers a competitive yield and doesn’t have a minimum balance requirement, making it suitable for all savers. Users can set savings goals and automatic savings plans (with funds transferred from a Capital One 360 checking account) for additional budgeting ease.","savings_rating":4.5,"savings_pros":"No monthly service fee.\r\nAutomatic savings features.\r\nNo minimum balance required to open an account.\r\nA strong APY (though slightly higher rates can be found at other online-only banks).","savings_cons":"No ATM access for withdrawals.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":null,"min_to_earn":0,"advertiser_notes":"Got about 5 minutes? That’s all the time it takes to open an account.","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":0,"rate":3.2,"apy":3.2,"is_paid":true,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.5,"id":"8351::271","last_modified":"2026-04-09T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":"https://www.myfinance.com/reporting/redir?utm_source=Other&utm_campaign=other&utm_medium=&redir=https%3A%2F%2Fwealth-click-service.bankrate.com%2Flazy_ep%2FeyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6ImdyYXBocWwta2V5LWhzMjU2In0.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.Mi_CrNWBjZywLi45ToAlCZfqbFAVOYNxpRZfw_dUjW0%3Fpur_id%3D88271281775740772344%26utm_placement%3DInline&textlink=false","transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/8351_hires_logo_2x.png","cohesion_data":{"productId":"8351::271","brand":"capital one","category":"savings","name":"savings","variant":"3.2"},"show_advertisement_callout":false,"circuit_product_id":"8351::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":null,"id":"8351","fdic_id":null,"logo":"8351_hires_logo_2x.png","name":"Capital One","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"8351","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/8351_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/capital-one/","name":"Capital One","overall_rating":4.8,"title":null,"short_summary":"Capital One Bank is among the 10 largest U.S. banks by assets. While it offers branches in seven Eastern and two Southern states, customers can access accounts online from just about anywhere. The bank offers high rates on its savings and CD accounts, and a free checking account that pays interest. There are no balance minimums or monthly fees, and you won’t need to worry about overdraft fees either.","customer_experience_summary":"Capital One has fewer branches than some of its competitors, but it does offer cutting-edge digital bank features. Capital One was the first bank in the U.S. to launch a skill for Amazon’s Alexa so that customers can voice commands to search for information, such as bank account balances.\r\n\r\nThe bank’s web interface and mobile app also earn high marks in the Android and iOS app stores, and mobile customers can send and receive money using Zelle through the Capital One app.\r\n\r\nCapital One has nearly 300 branches in select states for in-person banking, and it operates around 50 Capital One Cafes, where customers can open accounts, deposit cash and checks, and socialize. The cafes also offer food and drinks, available for purchase by anyone. Using your Capital One credit card or debit card gets you half off handcrafted beverages.\r\n\r\nAccount holders can attend various events and take advantage of free financial coaching sessions.\r\n\r\nCustomers also can access more than 70,000 ATMs through Capital One's owned-and-operated machines, and the Allpoint and MoneyPass networks. Mobile app users can take advantage of the Add Cash in Store feature to deposit cash at CVS stores through a cashier.\r\n\r\nEarly paycheck, which allows direct-deposit customers to access their incoming funds up to two days early, can be a useful feature for those on tight budgets or who are paid once a month.","savings_summary":"Capital One’s 360 Performance Savings account offers a competitive yield and doesn’t have a minimum balance requirement, making it suitable for all savers. Users can set savings goals and automatic savings plans (with funds transferred from a Capital One 360 checking account) for additional budgeting ease.","savings_rating":4.5,"savings_pros":"No monthly service fee.\r\nAutomatic savings features.\r\nNo minimum balance required to open an account.\r\nA strong APY (though slightly higher rates can be found at other online-only banks).","savings_cons":"No ATM access for withdrawals.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"CIT Bank","est_earnings":2050.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"7821","fdic_id":null,"logo":"7821_hires_logo_2x.png","name":"CIT Bank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"7821","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/7821_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/cit-bank/","name":"CIT Bank","overall_rating":4.2,"title":null,"short_summary":"CIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs.\r\n\r\nCIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.","customer_experience_summary":null,"savings_summary":"CIT Bank’s Savings Connect account is the bank’s most accessible savings account, with only a $100 minimum opening deposit and no monthly fee. The account also earns a competitive APY.\r\n\r\nThe highest-earning CIT savings account is its Platinum Savings account. While there’s only a $100 minimum opening deposit, the top-notch yield only applies to balances of $5,000 or more. Otherwise, you’ll earn a much lower yield. There are no monthly fees for this account. \r\n\r\nCIT Bank also offers its Savings Builder account. This account has a much lower APY but still yields more than the national average for savings accounts. Savings Builder is a little more complex, since you need to have at least a $25,000 monthly balance or recurring deposits of $100 or more every month to earn this APY. The account doesn’t have a monthly service fee.","savings_rating":4.6,"savings_pros":"The Platinum Savings account offers above-average yields. \r\nThere are no monthly fees.\r\nYou only need $100 to open the account.","savings_cons":"You need to keep at least $5,000 in the account to earn the high APY.","mmas_summary":"The yield on the bank’s money market account is much higher than the national average yield. But there are higher-yielding options available. CIT Bank’s Savings Connect account was earning a much higher yield than CIT Bank’s money market account during Bankrate’s review.\r\n\r\nThe account doesn’t have a monthly fee, the top APY is earned on any balance and it only requires $100 to open.\r\n\r\nThough the account is digital, customers can add funds to it through mail-in check, in addition to standard digital payment methods like electronic transfers. There’s no ATM or debit card available for withdrawals, however, nor can you write checks against the account.","mmas_rating":3.7,"mmas_pros":"There is no monthly maintenance fee.","mmas_cons":"Yield is above-average, but not highly competitive.\r\nThe account doesn’t come with an ATM or debit card or check-writing privileges."},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":null,"min_to_earn":5000,"advertiser_notes":"Earn up to 4.10% APY. Enter promo code CITBOOST to receive a 0.35% APY bonus on base APY of 3.75% for six months from account opening.","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":100,"rate":4.1,"apy":4.1,"is_paid":true,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":true,"special_offer_end_date":"2026-05-31T04:00:00.000Z","special_offer_override":"Offer expires 5/31/2026","tags":[],"promo_banner":null,"star_rating":4.6,"id":"7821::271","last_modified":"2026-04-09T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":"https://www.myfinance.com/reporting/redir?utm_source=Other&utm_campaign=other&utm_medium=&redir=https%3A%2F%2Fwealth-click-service.bankrate.com%2Flazy_ep%2FeyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6ImdyYXBocWwta2V5LWhzMjU2In0.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.8veTIaWIR1rYQWBDMWVkcCsNbmNsE8gvcm6rg93pfEo%3Fpur_id%3D18951861775740772344%26utm_placement%3DInline&textlink=false","transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/7821_hires_logo_2x.png","cohesion_data":{"productId":"7821::271","brand":"cit bank","category":"savings","name":"savings","price":100.0,"variant":"4.1"},"show_advertisement_callout":false,"circuit_product_id":"7821::271","historical_rate":{"effective_date":null,"effective_until":null,"state":"NATIONAL","yield_rate":3.75},"force_offer_details":false,"company":{"advertiser_statement":null,"id":"7821","fdic_id":null,"logo":"7821_hires_logo_2x.png","name":"CIT Bank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"7821","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/7821_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/cit-bank/","name":"CIT Bank","overall_rating":4.2,"title":null,"short_summary":"CIT Bank is an online institution that offers competitive annual percentage yields (APYs) on its Savings Connect savings account. It also offers a checking account, a money market account and CDs.\r\n\r\nCIT Bank offers a competitive yield with its Savings Connect account. It also offers an assortment of CDs to choose from. But some of these CDs, such as the one-year term, weren’t paying a competitive yield during Bankrate’s review.","customer_experience_summary":null,"savings_summary":"CIT Bank’s Savings Connect account is the bank’s most accessible savings account, with only a $100 minimum opening deposit and no monthly fee. The account also earns a competitive APY.\r\n\r\nThe highest-earning CIT savings account is its Platinum Savings account. While there’s only a $100 minimum opening deposit, the top-notch yield only applies to balances of $5,000 or more. Otherwise, you’ll earn a much lower yield. There are no monthly fees for this account. \r\n\r\nCIT Bank also offers its Savings Builder account. This account has a much lower APY but still yields more than the national average for savings accounts. Savings Builder is a little more complex, since you need to have at least a $25,000 monthly balance or recurring deposits of $100 or more every month to earn this APY. The account doesn’t have a monthly service fee.","savings_rating":4.6,"savings_pros":"The Platinum Savings account offers above-average yields. \r\nThere are no monthly fees.\r\nYou only need $100 to open the account.","savings_cons":"You need to keep at least $5,000 in the account to earn the high APY.","mmas_summary":"The yield on the bank’s money market account is much higher than the national average yield. But there are higher-yielding options available. CIT Bank’s Savings Connect account was earning a much higher yield than CIT Bank’s money market account during Bankrate’s review.\r\n\r\nThe account doesn’t have a monthly fee, the top APY is earned on any balance and it only requires $100 to open.\r\n\r\nThough the account is digital, customers can add funds to it through mail-in check, in addition to standard digital payment methods like electronic transfers. There’s no ATM or debit card available for withdrawals, however, nor can you write checks against the account.","mmas_rating":3.7,"mmas_pros":"There is no monthly maintenance fee.","mmas_cons":"Yield is above-average, but not highly competitive.\r\nThe account doesn’t come with an ATM or debit card or check-writing privileges."},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Western Alliance Bank","est_earnings":1900.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"11927","fdic_id":null,"logo":"11927_hires_logo_2x.png","name":"Western Alliance Bank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"","excerpt":null,"image_url":null,"link":null,"name":null,"overall_rating":null,"title":null,"short_summary":null,"customer_experience_summary":null,"savings_summary":null,"savings_rating":null,"savings_pros":null,"savings_cons":null,"mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":null,"min_to_earn":0,"advertiser_notes":"","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":500,"rate":3.8,"apy":3.8,"is_paid":true,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":null,"id":"11927::271","last_modified":"2026-04-09T00:00:00","offer_details":"

The annual percentage yield (APY) is accurate as of January 8, 2026 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.

Accurate as of the time of publication. The national average rate referenced is from the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of March 16, 2026. See the FDIC website for more information.

","backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":"https://www.myfinance.com/reporting/redir?utm_source=Other&utm_campaign=other&utm_medium=&redir=https%3A%2F%2Fwealth-click-service.bankrate.com%2Flazy_ep%2FeyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6ImdyYXBocWwta2V5LWhzMjU2In0.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.nxktilCMRiVuD0zERE3lLApo-SnrnTkPifKcnznaQWQ%3Fpur_id%3D32367401775740772344%26utm_placement%3DInline&textlink=false","transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/11927_hires_logo_2x.png","cohesion_data":{"productId":"11927::271","brand":"western alliance bank","category":"savings","name":"savings","price":500.0,"variant":"3.8"},"show_advertisement_callout":false,"circuit_product_id":"11927::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":null,"id":"11927","fdic_id":null,"logo":"11927_hires_logo_2x.png","name":"Western Alliance Bank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"","excerpt":null,"image_url":null,"link":null,"name":null,"overall_rating":null,"title":null,"short_summary":null,"customer_experience_summary":null,"savings_summary":null,"savings_rating":null,"savings_pros":null,"savings_cons":null,"mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Cash App","est_earnings":1625.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"14128","fdic_id":null,"logo":"14128_hires_logo_2x.png","name":"Cash App","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"14128","excerpt":null,"image_url":"https://www.brimg.net/advertiser/logos/14128.png","link":"https://www.bankrate.com/banking/reviews/cash-app/","name":"Cash App","overall_rating":4.2,"title":null,"short_summary":"Cash App, which started out as primarily a money transfer company, offers other financial services now, including the ability to borrow money, buy stocks and keep your savings there. The savings feature could get you a decent yield, but only if you meet some requirements. If you’re looking for a great high-yield savings account with no strings attached, you can easily find one, especially at an online bank.\r\n\r\nYou can also keep a separate balance in your Cash App to use for things like debit purchases, direct deposit and bill payment. And transfers from that section of your balance to savings are easy. But we didn’t score or review this feature because even though it functions like a checking account, it’s not billed or strictly defined as one and doesn’t include check-writing privileges. \r\n\r\nNeither of these accounts are strictly “deposit” accounts because Cash App isn’t a bank. Money you keep in savings or in your spending balance is only FDIC-insured (through partnering chartered banks) when you meet requirements, such as having the Cash App debit card. 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See requirements below**","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":0,"rate":3.25,"apy":3.25,"is_paid":true,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.1,"id":"14128::271","last_modified":"2026-04-09T00:00:00","offer_details":"

Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See https://cash.app/legal/us/en-us/card-agreement. Savings provided by Cash App, a Block Inc. brand.

*See https://cash.app/legal/us/en-us/tos#cag for more information on how to qualify.

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The checking account earns rewards for purchases, although it’s only available to those who have had an American Express card for at least three months.","customer_experience_summary":"American Express National Bank customers cannot visit a branch. Customers can, however, reach someone at the bank 24 hours a day, seven days a week by phone.\r\n\r\nThe digital banking experience depends on what product you have. Those with American Express Serve prepaid debit cards, provided and issued by the American Express Travel Related Services Co., for instance, get access to a highly rated mobile app that lets them pay bills and deposit checks. Those with savings accounts through American Express National Bank don’t get many digital frills, but they can take care of simple tasks, such as transferring funds between accounts.","savings_summary":"American Express National Bank offers an online savings account that earns a competitive annual percentage yield (APY). 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An ATM card isn’t available.","savings_rating":4.4,"savings_pros":"The savings account charges no monthly fees and has no minimum balance requirement.\r\nAmerican Express National Bank, member FDIC, pays a competitive APY on its savings account.","savings_cons":"There isn’t a way to make cash deposits into American Express savings accounts.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":true,"max_to_open":null,"min_to_earn":0,"advertiser_notes":"","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":0,"rate":3.15,"apy":3.2,"is_paid":true,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.4,"id":"6596::271","last_modified":"2026-04-09T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":"https://www.myfinance.com/reporting/redir?utm_source=Other&utm_campaign=other&utm_medium=&redir=https%3A%2F%2Fwealth-click-service.bankrate.com%2Flazy_ep%2FeyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCIsImtpZCI6ImdyYXBocWwta2V5LWhzMjU2In0.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.2prkDqUjpk_tFaDGknBAKhtN4uxKYYsbXD_l15E0W9c%3Fpur_id%3D51414431775740772344%26utm_placement%3DInline&textlink=false","transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/6596_hires_logo_2x.png","cohesion_data":{"productId":"6596::271","brand":"american express national bank","category":"savings","name":"savings","variant":"3.2"},"show_advertisement_callout":false,"circuit_product_id":"6596::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":null,"id":"6596","fdic_id":null,"logo":"6596_hires_logo_2x.png","name":"American Express National Bank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"6596","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/6596_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/american-express-national-bank/","name":"American Express National Bank","overall_rating":4.5,"title":null,"short_summary":"American Express National Bank is an online bank that offers savings and checking accounts with competitive yields, as well as some CDs that pay above-average rates. 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The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"6642","fdic_id":null,"logo":"6642_hires_logo_2x.png","name":"Sallie Mae","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"6642","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/6642_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/sallie-mae-bank/","name":"Sallie Mae","overall_rating":4.4,"title":null,"short_summary":"Sallie Mae Bank offers competitive APYs on its savings accounts, but it doesn’t offer a checking account.","customer_experience_summary":"Sallie Mae Bank is an FDIC-insured bank that stands out for its goal-setting functionality, allowing customers with SmartyPig accounts to stash away money in different buckets for specific goals. It also offers competitive yields on its savings products.\r\n\r\nBut it does fall short on some features. The bank’s app receives low ratings from users, it offers no checking account and customer service hours are limited to weekdays — 9 a.m. to 6 p.m. Eastern time.","savings_summary":"The High-Yield Savings account earns a competitive yield and doesn’t require a minimum balance to open, making it easily accessible for savers who are just starting out. The account also has no maintenance fee.\r\n\r\nThe SmartyPig account similarly earns a high yield on all balances, with the opportunity to set and track specific savings goals.\r\n\r\nYou can receive a $10 referral for every friend that you refer to open a SmartyPig account. Those friends will need to contribute to the account and establish a goal.","savings_rating":5.0,"savings_pros":"The High-Yield Savings Account offers a competitive APY.\r\nThere is no minimum deposit.\r\nThere are no monthly maintenance fees.\r\nThere are no limits on withdrawals.","savings_cons":"Sallie Mae Bank doesn’t offer an ATM card for its savings accounts so you can’t deposit cash.","mmas_summary":"The Sallie Mae Money Market account offers a top-tier APY on any account balance. 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Those friends will need to contribute to the account and establish a goal.","savings_rating":5.0,"savings_pros":"The High-Yield Savings Account offers a competitive APY.\r\nThere is no minimum deposit.\r\nThere are no monthly maintenance fees.\r\nThere are no limits on withdrawals.","savings_cons":"Sallie Mae Bank doesn’t offer an ATM card for its savings accounts so you can’t deposit cash.","mmas_summary":"The Sallie Mae Money Market account offers a top-tier APY on any account balance. 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Poppy Bank’s Premier Online Savings offers a competitive annual percentage yield. Poppy Bank has been recognized as one of the best-performing banks in the nation by the ICBA and named among the fastest-growing companies in the nation by Inc. 5000. Additional limits and fees may apply. Please refer to your disclosure for further details.

*Monthly paper statement fee - waived when signing up for electronic statements.

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Dividends are calculated by the average daily balance. This is a Tiered Rate account. Earn 3.60% APY on average daily balances up to $25,000. Earn 0.05% APY on the average daily balances exceeding $25,000. This account requires enrollment in eStatements and is limited to one withdrawal per month. If more than one withdrawal is completed in a month or you are not enrolled in eStatements, you will earn 0.05% APY on the entire balance. Limit one (1) High-Yield Savings account per member. Dividends compound monthly. $5 deposit to Langley savings account required for membership. Rates subject to change. Insured by NCUA.

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Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. Learn more at betterment.com/cash-portfolio. Annual percentage yield (variable) is 3.25% as of 12/12/25, plus a 0.65% boost (“APY Boost”) for new clients with a qualifying deposit. $10 min deposit for base APY. Terms apply (https://www.betterment.com/boost); if the base APY changes, the Boosted APY will change. Insurance provided by Program Banks (https://www.betterment.com/cash-portfolio), subject to certain conditions.

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Grow your savings faster with Oloy Bank. No services fees or monthly minumums. Apply Today.

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Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":"","id":"12172","fdic_id":"","logo":"12172_hires_logo_2x.png","name":"PiBank","ncua_id":"","phone":"","rating":null,"reviews":{"advertiser_id":"","excerpt":null,"image_url":null,"link":null,"name":null,"overall_rating":null,"title":null,"short_summary":null,"customer_experience_summary":null,"savings_summary":null,"savings_rating":null,"savings_pros":null,"savings_cons":null,"mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":0,"min_to_earn":0,"advertiser_notes":"","effective_at":"2026-04-07T00:00:00","effective_until":null,"min_to_open":0,"rate":4.5,"apy":4.6,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"Savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":null,"id":"12172::271","last_modified":"2026-04-07T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/12172_hires_logo_2x.png","cohesion_data":{"productId":"12172::271","brand":"pibank","category":"savings","name":"Savings","variant":"4.6"},"show_advertisement_callout":false,"circuit_product_id":"12172::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":"","id":"12172","fdic_id":"","logo":"12172_hires_logo_2x.png","name":"PiBank","ncua_id":"","phone":"","rating":null,"reviews":{"advertiser_id":"","excerpt":null,"image_url":null,"link":null,"name":null,"overall_rating":null,"title":null,"short_summary":null,"customer_experience_summary":null,"savings_summary":null,"savings_rating":null,"savings_pros":null,"savings_cons":null,"mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Axos Bank","est_earnings":2105.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"10324","fdic_id":null,"logo":"10324_hires_logo_2x.png","name":"Axos Bank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"10324","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/10324_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/axos-bank/","name":"Axos Bank","overall_rating":4.8,"title":null,"short_summary":"Axos Bank is an online bank that offers a full range of deposit accounts. Its checking account stands out for its unlimited domestic ATM reimbursements and its lack of fees, yet its savings account earns rates that are lackluster.","customer_experience_summary":"Axos Bank provides Essential Checking customers with quite a nice perk: unlimited ATM reimbursements in the U.S.\r\n\r\nCustomers can access their accounts through the Axos website or its mobile app to do things like pay bills, deposit checks and transfer funds, as well as check balances and account history. The bank’s mobile app is rated well on Google Play and on the Apple App Store.\r\n\r\nPhone support is conveniently available on a 24/7 basis.","savings_summary":"Axos’ Summit Savings account has a flat APY structure, and earns interest regardless of the balance you keep. No minimum balance is required to open the account, and there are no monthly maintenance fees to eat into your savings. An ATM card is available upon request.","savings_rating":4.8,"savings_pros":"An ATM card is available.\r\nDoesn't charge a monthly maintenance fee.\r\nNo minimum balance to open an account.","savings_cons":"Withdrawals have an uncapped $10 fee per withdrawal above that maximum allowed.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":true,"max_to_open":null,"min_to_earn":1500,"advertiser_notes":"Tiered variable APY. Balance and activity requirements apply. Learn more.","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":0,"rate":4.21,"apy":4.21,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.8,"id":"10324::271","last_modified":"2026-04-09T00:00:00","offer_details":"

Meet Axos ONE® — the checking and savings bundle designed to accelerate your wealth. Earn high-yield interest, get paid up to 2 days early.¹ Earn up to 4.21% APY on savings and 0.51% APY on checking when you meet requirements. 4.21% APY on the first $249,999.99 and 3.50% APY on any additional balance for the statement cycle in which the requirements are met. No monthly maintenance fees, no minimum balance requirements, and no overdraft fees. 95,000+ fee-free ATMs. Call us, 24/7. Earn $50 when you refer a friend. We've got you covered. Access up to $2.5 million of additional FDIC Insurance. Zero paperwork. Zero fees. Zero hassle. Join over half a million customers who have chosen a smarter way to bank for over 25 years. Member FDIC.

","backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/10324_hires_logo_2x.png","cohesion_data":{"productId":"10324::271","brand":"axos bank","category":"savings","name":"savings","variant":"4.21"},"show_advertisement_callout":false,"circuit_product_id":"10324::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":null,"id":"10324","fdic_id":null,"logo":"10324_hires_logo_2x.png","name":"Axos Bank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"10324","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/10324_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/axos-bank/","name":"Axos Bank","overall_rating":4.8,"title":null,"short_summary":"Axos Bank is an online bank that offers a full range of deposit accounts. Its checking account stands out for its unlimited domestic ATM reimbursements and its lack of fees, yet its savings account earns rates that are lackluster.","customer_experience_summary":"Axos Bank provides Essential Checking customers with quite a nice perk: unlimited ATM reimbursements in the U.S.\r\n\r\nCustomers can access their accounts through the Axos website or its mobile app to do things like pay bills, deposit checks and transfer funds, as well as check balances and account history. The bank’s mobile app is rated well on Google Play and on the Apple App Store.\r\n\r\nPhone support is conveniently available on a 24/7 basis.","savings_summary":"Axos’ Summit Savings account has a flat APY structure, and earns interest regardless of the balance you keep. No minimum balance is required to open the account, and there are no monthly maintenance fees to eat into your savings. An ATM card is available upon request.","savings_rating":4.8,"savings_pros":"An ATM card is available.\r\nDoesn't charge a monthly maintenance fee.\r\nNo minimum balance to open an account.","savings_cons":"Withdrawals have an uncapped $10 fee per withdrawal above that maximum allowed.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Newtek Bank","est_earnings":2100.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. 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Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":"","id":"10462","fdic_id":"","logo":"10462_hires_logo_2x.png","name":"Vio Bank","ncua_id":"","phone":"","rating":4,"reviews":{"advertiser_id":"10462","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/10462_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/vio-bank/","name":"Vio Bank","overall_rating":4.5,"title":null,"short_summary":"Vio Bank is an online-only financial institution serving savers nationwide. The bank consistently offers top-tier rates on their money market account, but those looking for a checking account will need to go with another option.","customer_experience_summary":"The Vio Bank mobile app offers digital banking staples, such as mobile check deposit, account alerts and statement access, but it doesn’t offer more cutting-edge features, such as a peer-to-peer payment option like Zelle. The app gets a solid score in the Apple App Store, but Android users are much less enthusiastic in their reviews on Google Play.\r\n\r\nVio Bank customers can reach a bank representative weekdays, 7 a.m. to 9 p.m., Central time, Saturday, 8 a.m. to 6 p.m., and Sunday noon to 4 p.m.","savings_summary":"Vio’s savings account offers a yield that’s well above the national average, but it’s lower than what many online banks are offering. All balances earn the same APY, there are no monthly fees and there’s a low minimum deposit requirement of $100.","savings_rating":4.8,"savings_pros":"The account offers a competitive yield that is paid on all balances.\r\nThe Vio Bank Online Savings Account doesn’t have a monthly maintenance fee.\r\nThe $100 minimum deposit requirement is low.","savings_cons":"Customers are charged $5 a month to receive paper statements.","mmas_summary":"The Vio Bank Cornerstone Money Market Savings Account earns a very competitive yield, requires only $100 to open and doesn’t charge a monthly maintenance fee. However, one drawback is that the account lacks check-writing privileges or a debit card.","mmas_rating":4.3,"mmas_pros":"The Cornerstone Money Market account has a highly competitive yield.\r\nThere is a low $100 minimum to open the account.\r\nYou won’t have to pay a monthly fee.","mmas_cons":"The account does not come with a debit card or check-writing privileges."},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":0,"min_to_earn":0,"advertiser_notes":"","effective_at":"2026-04-07T00:00:00","effective_until":null,"min_to_open":100,"rate":3.95,"apy":4.03,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"Savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.8,"id":"10462::271","last_modified":"2026-04-07T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/10462_hires_logo_2x.png","cohesion_data":{"productId":"10462::271","brand":"vio bank","category":"savings","name":"Savings","price":100.0,"variant":"4.03"},"show_advertisement_callout":false,"circuit_product_id":"10462::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":"","id":"10462","fdic_id":"","logo":"10462_hires_logo_2x.png","name":"Vio Bank","ncua_id":"","phone":"","rating":4,"reviews":{"advertiser_id":"10462","excerpt":null,"image_url":"https://www.brimg.net/system/img/inst/10462_hires_logo_2x.png","link":"https://www.bankrate.com/banking/reviews/vio-bank/","name":"Vio Bank","overall_rating":4.5,"title":null,"short_summary":"Vio Bank is an online-only financial institution serving savers nationwide. 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All balances earn the same APY, there are no monthly fees and there’s a low minimum deposit requirement of $100.","savings_rating":4.8,"savings_pros":"The account offers a competitive yield that is paid on all balances.\r\nThe Vio Bank Online Savings Account doesn’t have a monthly maintenance fee.\r\nThe $100 minimum deposit requirement is low.","savings_cons":"Customers are charged $5 a month to receive paper statements.","mmas_summary":"The Vio Bank Cornerstone Money Market Savings Account earns a very competitive yield, requires only $100 to open and doesn’t charge a monthly maintenance fee. 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Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"11844","fdic_id":null,"logo":"11844_hires_logo_2x.png","name":"LendingClub","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"11844","excerpt":null,"image_url":"https://www.bankrate.com/2021/01/14091043/LendingClub-logo.svg","link":"https://www.bankrate.com/banking/reviews/lendingclub-bank/","name":"LendingClub","overall_rating":4.8,"title":null,"short_summary":"LendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.","customer_experience_summary":"LendingClub Bank offers lots of tools and features to help consumers manage their money, including a mobile app for depositing checks, accessing budgeting tools, paying bills and much more. LendingClub Bank also lets users link external accounts, create a budget and determine their net worth. The iOS mobile app is highly-rated, while the Android app has middling reviews. \r\nCustomer service representatives can be reached by phone and live chat 8:30 a.m. to midnight Eastern time, Monday-Friday, and 8 a.m. to 8 p.m., on weekends.","savings_summary":"LendingClub's LevelUp Savings account earns a very high yield, as long as you make deposits totaling at least $250 in a month. The bank does not charge monthly fees, and the account doesn't require a minimum balance to earn a lower standard APY, making it an appealing option for many savers who like to bank online.","savings_rating":4.8,"savings_pros":"No minimum deposit.\r\nNo monthly fee.\r\nHigh APY with qualifying deposits.\r\nATM card.","savings_cons":"Monthly deposit of $250 required to get high APY.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":null,"min_to_earn":0,"advertiser_notes":"Earn our LevelUp rate with $250 in monthly deposits, plus no fees.","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":0,"rate":4.0,"apy":4.0,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.8,"id":"11844::271","last_modified":"2026-04-09T00:00:00","offer_details":"

LevelUp Rate of 4.00% Annual Percentage Yield (“APY”) is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate of 3.00% APY. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, which is after the first two statement cycles. Any rate changes will take place at the end of the first business day and will be based on the deposits in the previous statement cycle. Rates are variable and subject to change at any time without notice. $0 minimum opening deposit. Additional information can be found here: https://www.lendingclub.com/legal/deposits/levelup-savings-t-and-cs

","backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/11844_hires_logo_2x.png","cohesion_data":{"productId":"11844::271","brand":"lendingclub","category":"savings","name":"savings","variant":"4"},"show_advertisement_callout":false,"circuit_product_id":"11844::271","historical_rate":{"effective_date":null,"effective_until":null,"state":"NATIONAL","yield_rate":4.2},"force_offer_details":false,"company":{"advertiser_statement":null,"id":"11844","fdic_id":null,"logo":"11844_hires_logo_2x.png","name":"LendingClub","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"11844","excerpt":null,"image_url":"https://www.bankrate.com/2021/01/14091043/LendingClub-logo.svg","link":"https://www.bankrate.com/banking/reviews/lendingclub-bank/","name":"LendingClub","overall_rating":4.8,"title":null,"short_summary":"LendingClub Bank is an FDIC-insured online bank known as Radius Bank until it was acquired by LendingClub in February 2021. Consumers looking for an online bank that offers competitive yields, low fees and ample ATM access might consider LendingClub Bank a solid option.","customer_experience_summary":"LendingClub Bank offers lots of tools and features to help consumers manage their money, including a mobile app for depositing checks, accessing budgeting tools, paying bills and much more. LendingClub Bank also lets users link external accounts, create a budget and determine their net worth. The iOS mobile app is highly-rated, while the Android app has middling reviews. \r\nCustomer service representatives can be reached by phone and live chat 8:30 a.m. to midnight Eastern time, Monday-Friday, and 8 a.m. to 8 p.m., on weekends.","savings_summary":"LendingClub's LevelUp Savings account earns a very high yield, as long as you make deposits totaling at least $250 in a month. The bank does not charge monthly fees, and the account doesn't require a minimum balance to earn a lower standard APY, making it an appealing option for many savers who like to bank online.","savings_rating":4.8,"savings_pros":"No minimum deposit.\r\nNo monthly fee.\r\nHigh APY with qualifying deposits.\r\nATM card.","savings_cons":"Monthly deposit of $250 required to get high APY.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Bread Savings","est_earnings":2000.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":"","id":"10629","fdic_id":"","logo":"10629_hires_logo_2x.png","name":"Bread Savings","ncua_id":"","phone":"","rating":4,"reviews":{"advertiser_id":"10629","excerpt":null,"image_url":"https://www.bankrate.com/2022/06/29151827/download.png","link":"https://www.bankrate.com/banking/reviews/bread-savings/","name":"Bread Savings","overall_rating":4.5,"title":null,"short_summary":"In April 2022, Comenity Direct became Bread Savings. The online-only bank offers a savings account and five terms of CDs with competitive yields. You’ll also find low minimum opening balance requirements, making it easy to open an account.\r\n\r\nConsumers in search of checking and money market accounts or who need access to a branch will want to look elsewhere.","customer_experience_summary":"Bread Savings doesn’t have branches, but customer service representatives are available via online chat or telephone weekdays, 7 a.m. and 9 p.m. Central, and weekends from 9 a.m. and 5 p.m.\r\n\r\nBread Savings’ app is highly rated on the Apple App Store, but receives OK reviews on the Google Play Store. The app includes basic features such as mobile check deposits and the ability to transfer funds.","savings_summary":"Bread Savings offers a high-yield savings account with a competitive APY. The minimum deposit requirement is just $100, and there are no monthly maintenance fees. Bread Savings does not have an ATM network or physical branches, so deposits must be done by ACH transfer. Checks can also be deposited using the bank’s mobile app.","savings_rating":4.7,"savings_pros":"Highly competitive yield.\r\nMinimum opening deposit of only $100.\r\nNo monthly maintenance fee.\r\nFree incoming wire transfers.","savings_cons":"No ATM access.\r\nNo ability to deposit cash.\r\nA paper statement will cost you $5.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":0,"min_to_earn":1,"advertiser_notes":"","effective_at":"2026-04-07T00:00:00","effective_until":null,"min_to_open":100,"rate":3.92,"apy":4.0,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"Savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.7,"id":"10629::271","last_modified":"2026-04-07T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/10629_hires_logo_2x.png","cohesion_data":{"productId":"10629::271","brand":"bread savings","category":"savings","name":"Savings","price":100.0,"variant":"4"},"show_advertisement_callout":false,"circuit_product_id":"10629::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":"","id":"10629","fdic_id":"","logo":"10629_hires_logo_2x.png","name":"Bread Savings","ncua_id":"","phone":"","rating":4,"reviews":{"advertiser_id":"10629","excerpt":null,"image_url":"https://www.bankrate.com/2022/06/29151827/download.png","link":"https://www.bankrate.com/banking/reviews/bread-savings/","name":"Bread Savings","overall_rating":4.5,"title":null,"short_summary":"In April 2022, Comenity Direct became Bread Savings. The online-only bank offers a savings account and five terms of CDs with competitive yields. You’ll also find low minimum opening balance requirements, making it easy to open an account.\r\n\r\nConsumers in search of checking and money market accounts or who need access to a branch will want to look elsewhere.","customer_experience_summary":"Bread Savings doesn’t have branches, but customer service representatives are available via online chat or telephone weekdays, 7 a.m. and 9 p.m. Central, and weekends from 9 a.m. and 5 p.m.\r\n\r\nBread Savings’ app is highly rated on the Apple App Store, but receives OK reviews on the Google Play Store. The app includes basic features such as mobile check deposits and the ability to transfer funds.","savings_summary":"Bread Savings offers a high-yield savings account with a competitive APY. The minimum deposit requirement is just $100, and there are no monthly maintenance fees. Bread Savings does not have an ATM network or physical branches, so deposits must be done by ACH transfer. Checks can also be deposited using the bank’s mobile app.","savings_rating":4.7,"savings_pros":"Highly competitive yield.\r\nMinimum opening deposit of only $100.\r\nNo monthly maintenance fee.\r\nFree incoming wire transfers.","savings_cons":"No ATM access.\r\nNo ability to deposit cash.\r\nA paper statement will cost you $5.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Openbank","est_earnings":2000.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":null,"id":"14127","fdic_id":null,"logo":"14127_hires_logo_2x.png","name":"Openbank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"14127","excerpt":null,"image_url":"https://a.storyblok.com/f/102997/360x135/756270ff1c/openbank.png?cv=1728679142377","link":"https://www.bankrate.com/banking/reviews/openbank/","name":"Openbank","overall_rating":4.3,"title":null,"short_summary":"Openbank has just one account: its High Yield Savings account. True to its name, the account offers a top-notch APY and is available nationally. Though you can open an account on Openbank’s website, you’ll also need a mobile phone or tablet to bank here. Openbank requires that you download its app to a mobile device to securely access your account.","customer_experience_summary":null,"savings_summary":"Openbank’s High Yield Savings account offers a highly competitive annual percentage yield (APY). While there’s a $500 minimum deposit requirement, the account doesn’t charge a monthly fee. As a digital bank with just one savings account, Openbank doesn’t offer debit cards or ATM access at this time.","savings_rating":4.5,"savings_pros":"Openbank offers a top-notch APY on its savings account.\r\nThere’s no monthly maintenance fee. \r\nOpenbank doesn’t limit the amount of times you can withdraw funds per month.","savings_cons":"No mobile check deposit.\r\nOther online banks don’t have minimum deposit requirements. \r\nOpenbank doesn’t offer debit cards or ATM access at this time.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":null,"min_to_earn":0,"advertiser_notes":"Top-tier rate. FDIC Insured. No fees.","effective_at":"2026-04-09T00:00:00","effective_until":null,"min_to_open":500,"rate":3.93,"apy":4.0,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.5,"id":"14127::271","last_modified":"2026-04-09T00:00:00","offer_details":"

A digital bank with top-tier rates, built by a top global bank. 

Openbank, part of Santander Bank in the US, is best for consumers looking for an online bank with a highly competitive yield on a savings account without monthly fees or transaction fees. 


","backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/14127_hires_logo_2x.png","cohesion_data":{"productId":"14127::271","brand":"openbank","category":"savings","name":"savings","price":500.0,"variant":"4"},"show_advertisement_callout":false,"circuit_product_id":"14127::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":null,"id":"14127","fdic_id":null,"logo":"14127_hires_logo_2x.png","name":"Openbank","ncua_id":null,"phone":"","rating":null,"reviews":{"advertiser_id":"14127","excerpt":null,"image_url":"https://a.storyblok.com/f/102997/360x135/756270ff1c/openbank.png?cv=1728679142377","link":"https://www.bankrate.com/banking/reviews/openbank/","name":"Openbank","overall_rating":4.3,"title":null,"short_summary":"Openbank has just one account: its High Yield Savings account. True to its name, the account offers a top-notch APY and is available nationally. Though you can open an account on Openbank’s website, you’ll also need a mobile phone or tablet to bank here. Openbank requires that you download its app to a mobile device to securely access your account.","customer_experience_summary":null,"savings_summary":"Openbank’s High Yield Savings account offers a highly competitive annual percentage yield (APY). While there’s a $500 minimum deposit requirement, the account doesn’t charge a monthly fee. As a digital bank with just one savings account, Openbank doesn’t offer debit cards or ATM access at this time.","savings_rating":4.5,"savings_pros":"Openbank offers a top-notch APY on its savings account.\r\nThere’s no monthly maintenance fee. \r\nOpenbank doesn’t limit the amount of times you can withdraw funds per month.","savings_cons":"No mobile check deposit.\r\nOther online banks don’t have minimum deposit requirements. \r\nOpenbank doesn’t offer debit cards or ATM access at this time.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Openbank","est_earnings":2000.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":"","id":"14127","fdic_id":"","logo":"14127_hires_logo_2x.png","name":"Openbank","ncua_id":"","phone":"","rating":4,"reviews":{"advertiser_id":"14127","excerpt":null,"image_url":"https://a.storyblok.com/f/102997/360x135/756270ff1c/openbank.png?cv=1728679142377","link":"https://www.bankrate.com/banking/reviews/openbank/","name":"Openbank","overall_rating":4.3,"title":null,"short_summary":"Openbank has just one account: its High Yield Savings account. True to its name, the account offers a top-notch APY and is available nationally. Though you can open an account on Openbank’s website, you’ll also need a mobile phone or tablet to bank here. Openbank requires that you download its app to a mobile device to securely access your account.","customer_experience_summary":null,"savings_summary":"Openbank’s High Yield Savings account offers a highly competitive annual percentage yield (APY). While there’s a $500 minimum deposit requirement, the account doesn’t charge a monthly fee. As a digital bank with just one savings account, Openbank doesn’t offer debit cards or ATM access at this time.","savings_rating":4.5,"savings_pros":"Openbank offers a top-notch APY on its savings account.\r\nThere’s no monthly maintenance fee. \r\nOpenbank doesn’t limit the amount of times you can withdraw funds per month.","savings_cons":"No mobile check deposit.\r\nOther online banks don’t have minimum deposit requirements. \r\nOpenbank doesn’t offer debit cards or ATM access at this time.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":0,"min_to_earn":0,"advertiser_notes":"","effective_at":"2026-04-07T00:00:00","effective_until":null,"min_to_open":500,"rate":3.92,"apy":4.0,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"Savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.5,"id":"14127::271","last_modified":"2026-04-07T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/14127_hires_logo_2x.png","cohesion_data":{"productId":"14127::271","brand":"openbank","category":"savings","name":"Savings","price":500.0,"variant":"4"},"show_advertisement_callout":false,"circuit_product_id":"14127::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":"","id":"14127","fdic_id":"","logo":"14127_hires_logo_2x.png","name":"Openbank","ncua_id":"","phone":"","rating":4,"reviews":{"advertiser_id":"14127","excerpt":null,"image_url":"https://a.storyblok.com/f/102997/360x135/756270ff1c/openbank.png?cv=1728679142377","link":"https://www.bankrate.com/banking/reviews/openbank/","name":"Openbank","overall_rating":4.3,"title":null,"short_summary":"Openbank has just one account: its High Yield Savings account. True to its name, the account offers a top-notch APY and is available nationally. Though you can open an account on Openbank’s website, you’ll also need a mobile phone or tablet to bank here. Openbank requires that you download its app to a mobile device to securely access your account.","customer_experience_summary":null,"savings_summary":"Openbank’s High Yield Savings account offers a highly competitive annual percentage yield (APY). While there’s a $500 minimum deposit requirement, the account doesn’t charge a monthly fee. As a digital bank with just one savings account, Openbank doesn’t offer debit cards or ATM access at this time.","savings_rating":4.5,"savings_pros":"Openbank offers a top-notch APY on its savings account.\r\nThere’s no monthly maintenance fee. \r\nOpenbank doesn’t limit the amount of times you can withdraw funds per month.","savings_cons":"No mobile check deposit.\r\nOther online banks don’t have minimum deposit requirements. \r\nOpenbank doesn’t offer debit cards or ATM access at this time.","mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"Poppy","est_earnings":2000.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":5.0,"other_atm":null},"institution":{"advertiser_statement":"","id":"13023","fdic_id":"","logo":"13023_hires_logo_2x.png","name":"Poppy","ncua_id":"","phone":"","rating":null,"reviews":{"advertiser_id":"","excerpt":null,"image_url":null,"link":null,"name":null,"overall_rating":null,"title":null,"short_summary":null,"customer_experience_summary":null,"savings_summary":null,"savings_rating":null,"savings_pros":null,"savings_cons":null,"mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":0,"min_to_earn":1000,"advertiser_notes":"","effective_at":"2026-04-07T00:00:00","effective_until":null,"min_to_open":1000,"rate":3.92,"apy":4.0,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"Savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":null,"id":"13023::271","last_modified":"2026-04-07T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/13023_hires_logo_2x.png","cohesion_data":{"productId":"13023::271","brand":"poppy","category":"savings","name":"Savings","price":1000.0,"variant":"4"},"show_advertisement_callout":false,"circuit_product_id":"13023::271","historical_rate":null,"force_offer_details":false,"company":{"advertiser_statement":"","id":"13023","fdic_id":"","logo":"13023_hires_logo_2x.png","name":"Poppy","ncua_id":"","phone":"","rating":null,"reviews":{"advertiser_id":"","excerpt":null,"image_url":null,"link":null,"name":null,"overall_rating":null,"title":null,"short_summary":null,"customer_experience_summary":null,"savings_summary":null,"savings_rating":null,"savings_pros":null,"savings_cons":null,"mmas_summary":null,"mmas_rating":null,"mmas_pros":null,"mmas_cons":null},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}},{"account_type":"Savings Account","display_name":"EverBank","est_earnings":1950.0,"est_earnings_disclaimer":"Interest earned calculation based on a $50,000 deposit amount for a period of 1 Year and is rounded to the nearest dollar. Exact earnings are dependent on calendar year, balance, and compounding frequency. Minimum deposit rules may apply. The estimated earned interest is generated by Bankrate and may not reflect actual interest earned at this institution. Additional fees may reduce earnings.","fees":{"atm_surcharge":null,"insufficient_funds":null,"min_to_avoid_fees":0.0,"monthly_service":0.0,"other_atm":null},"institution":{"advertiser_statement":"","id":"2468","fdic_id":"","logo":"2468_hires_logo_2x.png","name":"EverBank","ncua_id":"","phone":"","rating":4,"reviews":{"advertiser_id":"2468","excerpt":null,"image_url":"https://a.storyblok.com/f/102997/400x60/de6aa55a90/everbank-w400.jpeg","link":"https://www.bankrate.com/banking/reviews/everbank/","name":"EverBank","overall_rating":4.5,"title":null,"short_summary":"EverBank is an online institution offering deposit accounts with competitive rates and low minimum balances. Customers have access to thousands of fee-free ATMs. While the bank maintains branches, only a limited number are available, mainly in Florida.","customer_experience_summary":"EverBank serves customers in all 50 states. Its mobile app is highly rated by both iOS and Android users.\r\n\r\nEverBank provides access to thousands of surcharge-free ATMs. The bank also automatically reimburses customers up to $15 a month for any fees that ATMs in the U.S. charge for access. For accounts with balances of $5,000 or more, the bank reimburses an unlimited amount of ATM fees.\r\n\r\nCustomers can send and receive funds using Zelle through EverBank online banking or the EverBank mobile app.\r\n\r\nCustomer service is available by phone weekdays 8 a.m. to 8 p.m. Eastern time and Saturdays from 9 a.m. to 7 p.m.","savings_summary":"EverBank has a highly competitive savings account. Its rates are competitive, and there are no minimum feels to eat into your balance. You also don't need to have a certain balance to get the best rate possible for its savings account — in fact, the minimum opening deposit is $0.\r\n\r\nThe only feature you may be missing with EverBank's savings account is a way to partition your account. Some banks and credit unions have special savings features that allow you to set specific savings goals and track your progress — some even allow you to create subaccounts for those goals.","savings_rating":4.9,"savings_pros":"Highly competitive APY.\r\nNo monthly maintenance fee.\r\nMobile check deposit available.\r\nNo minimum opening balance.","savings_cons":"No savings delineation features.","mmas_summary":"EverBank's money market account is a strong option, especially if you're looking to do much of your banking in one place. It offers both a debit card and checks, along with a number of other benefits. This includes out-of-network ATM surcharges being reimbursed up to $15 per month, while accounts with a minimum balance of $5,000 receive unlimited fee reimbursements.\r\n\r\nThe biggest drawback is the minimum account balance to receive the best APY. You will need to have at least $10,000 in your account to receive the highest APY. Anything below that and you'll get a rate that's significantly lower.","mmas_rating":4.5,"mmas_pros":"Check-writing privileges and a debit card.\r\nOut-of-network ATM surcharge reimbursements.","mmas_cons":"Highest APY requires a large minimum balance."},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"},"intro_period":0,"intro_rate":0.0,"is_checkwrite":false,"max_to_open":0,"min_to_earn":0,"advertiser_notes":"","effective_at":"2026-04-03T00:00:00","effective_until":null,"min_to_open":0,"rate":3.83,"apy":3.9,"is_paid":false,"is_national":true,"is_local":false,"product":{"id":"271","name":"Savings","type":"Savings Account"},"special_offer_exists":false,"special_offer_end_date":null,"special_offer_override":null,"tags":[],"promo_banner":null,"star_rating":4.9,"id":"2468::271","last_modified":"2026-04-03T00:00:00","offer_details":null,"backend":"BankrateSavingsApi","pixels":[],"product_feed":null,"is_preferred":false,"is_real_product":true,"reporting_url":null,"transistor_url":"","serp_image_url":"https://www.brimg.net/system/img/inst/2468_hires_logo_2x.png","cohesion_data":{"productId":"2468::271","brand":"everbank","category":"savings","name":"Savings","variant":"3.9"},"show_advertisement_callout":false,"circuit_product_id":"2468::271","historical_rate":{"effective_date":null,"effective_until":null,"state":"NATIONAL","yield_rate":3.8},"force_offer_details":false,"company":{"advertiser_statement":"","id":"2468","fdic_id":"","logo":"2468_hires_logo_2x.png","name":"EverBank","ncua_id":"","phone":"","rating":4,"reviews":{"advertiser_id":"2468","excerpt":null,"image_url":"https://a.storyblok.com/f/102997/400x60/de6aa55a90/everbank-w400.jpeg","link":"https://www.bankrate.com/banking/reviews/everbank/","name":"EverBank","overall_rating":4.5,"title":null,"short_summary":"EverBank is an online institution offering deposit accounts with competitive rates and low minimum balances. Customers have access to thousands of fee-free ATMs. While the bank maintains branches, only a limited number are available, mainly in Florida.","customer_experience_summary":"EverBank serves customers in all 50 states. Its mobile app is highly rated by both iOS and Android users.\r\n\r\nEverBank provides access to thousands of surcharge-free ATMs. The bank also automatically reimburses customers up to $15 a month for any fees that ATMs in the U.S. charge for access. For accounts with balances of $5,000 or more, the bank reimburses an unlimited amount of ATM fees.\r\n\r\nCustomers can send and receive funds using Zelle through EverBank online banking or the EverBank mobile app.\r\n\r\nCustomer service is available by phone weekdays 8 a.m. to 8 p.m. Eastern time and Saturdays from 9 a.m. to 7 p.m.","savings_summary":"EverBank has a highly competitive savings account. Its rates are competitive, and there are no minimum feels to eat into your balance. You also don't need to have a certain balance to get the best rate possible for its savings account — in fact, the minimum opening deposit is $0.\r\n\r\nThe only feature you may be missing with EverBank's savings account is a way to partition your account. Some banks and credit unions have special savings features that allow you to set specific savings goals and track your progress — some even allow you to create subaccounts for those goals.","savings_rating":4.9,"savings_pros":"Highly competitive APY.\r\nNo monthly maintenance fee.\r\nMobile check deposit available.\r\nNo minimum opening balance.","savings_cons":"No savings delineation features.","mmas_summary":"EverBank's money market account is a strong option, especially if you're looking to do much of your banking in one place. It offers both a debit card and checks, along with a number of other benefits. This includes out-of-network ATM surcharges being reimbursed up to $15 per month, while accounts with a minimum balance of $5,000 receive unlimited fee reimbursements.\r\n\r\nThe biggest drawback is the minimum account balance to receive the best APY. You will need to have at least $10,000 in your account to receive the highest APY. Anything below that and you'll get a rate that's significantly lower.","mmas_rating":4.5,"mmas_pros":"Check-writing privileges and a debit card.\r\nOut-of-network ATM surcharge reimbursements.","mmas_cons":"Highest APY requires a large minimum balance."},"insurance_information":{"disclosure":"Member FDIC","type":"FDIC","tooltip":null,"url":null},"survey_institution_id":"-1"}}],"disclaimer":"

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","count":{"total":22,"paid":12,"unpaid":10},"source":"Bankrate","attribution":"Rates Provided By Bankrate.com"}