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CD


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    Discover Bank
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    Discover Bank

    • CD: 0.35% to 3.10% APY. Terms of 3 months to 10 years. 12-month CD APY of 2.65%. 5-year CD APY of 3.00%. Minimum deposit of $2,500 to open.
    Pros:
    • 1% cashback checking
    • High APYs
    • 24/7 customer service
    Cons:
    • No interest checking
    • $2,500 minimum deposit for CDs
    • Overdraft fees

    Our Review: (4.8) Discover offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account... Read full review

    Discover Online Savings - $150 Cash Bonus

    Capital One
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    Capital One

    • CD: 0.60% to 3.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.70%. No deposit to open.
    Pros:
    • Overdraft protection options
    • No account minimums
    • 27 Capital One cafes for in-person support
    Cons:
    • Lower savings APY compared to other online banks

    Our Review: (4.3) Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you... Read full review

    Capital One 360 Checking - $25 Offer

    Ally Bank
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    Ally Bank

    • CD: 0.75% to 3.10% APY. Terms of 3 months to 5 years. 12-month CD APY of 2.75%. No minimum deposit to open.
    Pros:
    • CD options
    • No account minimums
    • 24/7 customer service
    Cons:
    • Low Checking APY for lower balance customers

    Our Review: (4.4) Ally Bank offers good interest rates and no account minimums. But is this popular online bank good for you? Learn the benefits (and drawbacks) here... Read full review

    Online Savings Account

    Synchrony Bank
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    Synchrony Bank

    • CD: 0.75% to 3.10% APY. Terms of 3 months to 5 years. Minimum deposit of $2,000 to open.
    Pros:
    • Savings with ATM card
    • High APY
    • All balance tiers receive same rate
    Cons:
    • No checking account
    • $2,000 minimum deposit for CDs
    • Limited customer service hours

    Our Review: (4.3) Synchrony offers some of the highest savings and CD rates. But there are downsides. Read this review before you open an account... Read full review

    High Yield Savings

    Barclays
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    Barclays

    • CD: 0.35% to 3.10% APY. Terms of 3 months to 5 years. 12-month CD APY of 2.75% APY. No minimum deposit to open.
    Pros:
    • High savings APY
    • No account minimums
    Cons:
    • No checking account
    • No ATMS
    • Limited customer service hours

    Our Review: (3.9) Barclays offers savings accounts and CDs with high interest rates, no minimum opening deposit, and low fees. So what's the catch? Read this review to see if Barclays is a good bank... Read full review

    Online Savings Account - 2.20% APY

    M&T Bank
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    M&T Bank

    • CD: 0.15% - 3.0% APY. Terms ranging from 32 days - 72 months. Minimum opening deposit $1,000.
    Pros:
    • Free checking option
    • High APY for Promo CD
    • Free savings with checking
    Cons:
    • Fee heavy
    • Subpar savings APY
    • Limited branches

    Our Review: (3.4) If you are on the upper East Coast, you probably see M&T Bank frequently. With a free checking option and a range of deposit accounts, does it meet your needs?... Read full review

    Personal Checking Account - Up to $250 Bonus

    SunTrust Bank
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    SunTrust Bank

    • CD: 0.50% - 2.70% APY. Terms ranging from 6 months - 58 months. $2000 minimum opening deposit.
    Pros:
    • High APY for CDs
    • Free student account
    • Good customer service
    Cons:
    • No free checking option
    • Low savings APY
    • Limited branches

    Our Review: (3.7) If customer service ranks high on your list, SunTrust Bank may be one you want to check out. While they offer interest rates comparable to most "big banks," they do offer that warm, fuzzy feeling some people look for in a bank... Read full review

    SunTrust Business Checking - $200 Cash Bonus

    Santander Bank
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    Santander Bank

    • CD: 2.1% - 2.65% APY. Terms ranging from 3 months to 5 years. Minimum deposit of $500, with Santander Checking Account.
    Pros:
    • Easy to waive monthly fees
    • High APY for CDs
    • Free student checking
    Cons:
    • Low interest for Premier Plus Checking

    Our Review: (3.8) If you're in the Northeast, Santander Bank offers solid basic checking and savings options, as well as competitive rates for CDs. Read on to see if it fits your needs... Read full review

    Business Checking Account - $250 Bonus

    Citibank
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    Citibank

    • CD: 0.05% - 2.50% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.
    Pros:
    • Perks for high balance customers
    • Many fee-free ATMs
    • Global presence
    Cons:
    • No free checking option
    • Higher balance requirements
    • Low savings APY

    Our Review: (3.5) Citibank offers credit cards and banking services. But service fees and balance requirements are on the high side. Is it the right bank for you? Keep reading to find out... Read full review

    Citi Account Package - $400 Bonus

    Wells Fargo
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    Wells Fargo

    • CD: 0.05% - 2.45% APY. Terms ranging from 3 months - 58 months. Minimum opening deposit of $2,500 or $5,000, depending on account. For bonus APY, you must maintain a linked Wells Fargo Portfolio Checking account.

    Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options... Read full review

    Consumer Checking Account - $400 Bonus

    CIT Bank
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    CIT Bank

    • CD: Term CDs up to 2.50% APY. $1,000 minimum opening deposit. No monthly maintenance fee.
    Pros:
    • High APY
    • No minimum deposit for savings
    • No monthly service fees
    Cons:
    • No checking accounts
    • No ATM card

    Our Review: (4.5) CIT Bank offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account... Read full review

    Open a CIT Bank 2.45% APY Savings Builder High Yield Savings Account

    Citizens Bank
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    Citizens Bank

    • CD: Several types of CD accounts. Terms ranging from 12 - 24 months. 0.10% - 2.00% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
    Pros:
    • One Deposit Checking
    • GoalTrack Savings
    • 24/7 customer service
    Cons:
    • Low APY
    • Heavy overdraft fees
    • Limited branches

    Our Review: (3.8) Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank... Read full review

    GoalTrack Savings Program – up to $250 in Gift Cards

    Huntington Bank
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    Huntington Bank

    • CD: Promotional CD account 11-month term; 1.50% APY. Minimum deposit $1,000. Otherwise, regular CD APY range from 0.01% - 0.55% for amounts ranging from $1,000 - $100,000.
    Pros:
    • Free checking option
    • 24-hr grace for overdrafts
    • All day deposit
    • 24-hr customer service
    Cons:
    • Limited branches
    • low savings APY

    Our Review: (3.9) Huntington Bank provides great accounts benefits like free Overdraft Protection Transfers and 24/7 customer service. Read on to see if this bank is right for you... Read full review

    Asterisk-Free Checking Account - $150 Bonus

    PNC Bank
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    PNC Bank

    • CD: 0.04% - 1.50% APY. Minimum deposit $1,000 - $10,000 (depending on account type and term). Terms range from 7 days to 10 years.
    Pros:
    • Virtual Wallet tools
    • Relatively easy to waive fees
    • Free student account
    Cons:
    • Limited branches
    • Low APY

    Our Review: (3.5) PNC Bank has relatively low requirements to waive fees and offers many financial tools to help you meet savings goals. Read on to see if this East Coast bank is right for you... Read full review

    Virtual Wallet with Performance Select Checking - $300 Cash Bonus

    HSBC Bank
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    HSBC Bank

    • CD: 0.75% to 1.30% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 0.95%. Minimum deposit of $1,000 to open.
    Pros:
    • Global presence
    • High online savings APY
    Cons:
    • Not in every state

    Our Review: (4.7) HSBC Bank offers a full array of services for different needs, including a high-yield online savings and several checking options. But there are downsides. Read on for the pros and cons... Read full review

    HSBC Direct Savings - 2.25% APY

    Bank of America
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    Bank of America

    • CD: Standard Term CD: 0.03% - 0.75% APY. Terms of 28 days to 10 years. Minimum deposit of $1,000. Featured CD: 0.07% - 2.0% APY. Terms of 12, 13, 25, and 37 months. Minimum deposit of $10,000.
    Pros:
    • National availability
    • Extended customer service hours
    • Full service bank
    Cons:
    • No free checking option
    • Low interest rates
    • Many misc. banking fees

    Our Review: (3.2) Bank of America offers a nationwide network, many account options, and user-friendly online banking. But does this convenience come at a cost? Read on... Read full review

    Advantage Plus Banking Checking Account - $100 Bonus

    US Bank
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    US Bank

    • CD: Standard Term CD: 0.05% - 0.75% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 2.35% - 2.80% APY. Terms of 9, 17, 37 and 59 months. Minimum deposit of $1,000. Maximum deposit $249,999
    Pros:
    • Promo CD with high APY
    • Free student account
    • 24/7 customer service
    Cons:
    • High minimums to waive fees
    • Low savings APY

    Our Review: (3.7) U.S. Bank is the country's fifth largest bank, but does that make them a bank that will suit your banking needs? Do you need one of the country's largest banks or is a smaller bank more your style?... Read full review

    KeyBank
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    KeyBank

    • CD: Standard Term CD: 0.10% - 0.75% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500. Promotional CD: 0.15% - 2.50% APY. Terms of 13, 18, 27, 37, and 47 months. Minimum deposit of $10,000.
    Pros:
    • HelloWallet financial tools
    • Free checking option
    • 24/7 customer service
    Cons:
    • Limited branches
    • High account fees

    Our Review: (3.3) Are you looking for a no-frills checking account or maybe a bank that offers relationship banking services/interest rates? You may have found your fit with KeyBank... Read full review

    Key Checking Account - $200 Bonus

    TD Bank
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    TD Bank

    • CD: 0.10% - 0.70% APY (up to 2.30% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
    Pros:
    • Extended banking hours
    • Low requirements to waive monthly fees
    • No foreign transaction fees
    Cons:
    • No free checking
    • Low APY
    • Only on East Coast

    Our Review: (3.4) TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere... Read full review

    TD Bank Convenience Checking - $150 Cash Bonus

    Fifth Third Bank
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    Fifth Third Bank

    • CD: 0.05% - 0.60% APY. Terms ranging from 7 days to 84 months. Promotional CD: 2.10% - 2.40% APY. Terms are 9, 18, and 27 months. Minimum deposit of $500 or $5,000, depending on CD account type.
    Pros:
    • Free Express Checking
    • Free student checking
    • Promo CD with high APY
    Cons:
    • Higher balance requirements
    • Low savings APY
    • Limited branches

    Our Review: (3.3) Fifth Third Bank has higher balance requirements and high service fees if they're not met. But it offers some unique programs. Read on to see if Fifth Third Bank is a good fit for you... Read full review

    Fifth Third Enhanced Checking Account - $250 Bonus

    Regions Bank
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    Regions Bank

    • CD: 0.01% - 2.50% APY. Terms ranging from 1 - 72 months. $500 minimum opening deposit for CDs with terms 90 days or longer. $2,500 minimum opening deposit for CDs with terms 7 - 89 days.
    Pros:
    • $50 to open checking account
    • Relationship Rewards program
    • LifeGreen Savings annual bonus
    Cons:
    • No free checking option
    • Limited branches
    • Low savings APY

    Our Review: (3.4) Regions Bank offers a variety of deposit products, easy account opening requirements, and special reward programs. Read on to see if this bank is right for you... Read full review

    LifeGreen Savings Account – Up to $100 Annual Savings Bonus

    TCF Bank

    TCF Bank

    • CD: 0.05% - 0.45% APY. Slightly higher APY rates with a TCF Checking Account. Terms ranging from 3 months - 120 months. $500 minimum opening deposit.

    Savings Account

    Charles Schwab Bank
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    Charles Schwab Bank

    • CD: Offers brokered CDs from other banks. Terms range from 1 month to 20 years. Minimum deposit of $1,000.
    Pros:
    • No account minimum
    • No service fees
    • Refund all ATM fees
    Cons:
    • Only checking or savings
    • Must do banking online

    Our Review: (4.3) Charles Schwab is more than a brokerage. It also offers high yield checking and savings interest rates that might far surpass your local bank. Read on to learn the pros and cons... Read full review

    High Yield Investor Checking – Unlimited ATM Rebates


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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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