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Savings
Compare Savings
- Savings: Savings Builder up to 2.20% APY with $25,000 minimum balance or $100 monthly deposit. $100 minimum opening deposit.
- High APY
- No minimum deposit for savings
- No monthly service fees
- No checking accounts
- No ATM card
- Savings: HSBC Direct Savings: 2.20% APY. $1 minimum opening deposit and no monthly service fee. Deposit checks easily by taking a picture with your phone using HSBC Mobile Banking.
- Global presence
- High online savings APY
- Not in every state
- Savings: 2.15% APY for balances of $10,000 and above.
- Savings: 2.00% APY. No monthly service fee and no minimum deposit. An ATM card is provided for easy withdrawal. Synchrony will refund ATM fees for other banks up to $5 per statement cycle
- Savings with ATM card
- High APY
- All balance tiers receive same rate
- No checking account
- $2,000 minimum deposit for CDs
- Limited customer service hours
- Savings: 1.90% APY. No fees and no minimum deposit.
- High yield
- Cashback checking
- 24/7 customer service
- No interest checking
- $2,500 minimum deposit for CDs
- Savings: 1.90% APY. No monthly service fee and no minimum deposit.
- CD options
- No account minimums
- 24/7 customer service
- Low Checking APY for lower balance customers
- Savings: 1.30% APY. No minimum opening deposit. No monthly maintenance fee. Daily Compounding Interest.
- Savings: 1% APY. No monthly service fee and no minimum deposit.
- Overdraft protection options
- No account minimums
- 27 Capital One cafes for in-person support
- Lower savings APY compared to other online banks
- Savings: Yes
- No minimum balance
- Save without thinking
- 1% annual savings bonus
- High monthly fee
- No phone support
- Not for long term savings
- Savings: Yes
- No minimum balance
- Rules-triggered savings
- No interest
- Only available on a smartphone
- No phone support
- Savings: Yes
- No minimum balance
- Interest on Savings
- Pay what you want
- High fee for Rize Invest
- Only $50 overdraft protection
- No phone support
- Savings: 0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account.
- Extended banking hours
- Low requirements to waive monthly fees
- No foreign transaction fees
- No free checking
- Low APY
- Only on East Coast
- Savings: 0.34% APY
- No account minimum
- No service fees
- Refund all ATM fees
- Only checking or savings
- Must do banking online
- Savings: 0.10% - 0.20% APY depending on amount. $10 minimum opening deposit. $4 monthly maintenance fee unless you 1) have $300 daily balance, or have 2) $5 monthly minimum direct deposit or recurring transfer from another Key account, or 3) have a HelloWallet Financial Wellness Score of at least 1.
- HelloWallet financial tools
- Free checking option
- 24/7 customer service
- Limited branches
- High account fees
- Savings: Several types of Savings accounts. 0.01% - 0.07% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account .
- One Deposit Checking
- GoalTrack Savings
- 24/7 customer service
- Low APY
- Heavy overdraft fees
- Limited branches
- Savings: 0.03% APY (up to 0.06% if enrolled in Preferred Rewards). $8 monthly maintenance fee, unless you have 1) daily balance of $500, 2) are a Bank of America Preferred Rewards Client, or 3) link your Rewards Savings Account to your Interest Checking Account. Minimum deposit of $100.
- National availability
- Extended customer service hours
- Full service bank
- No free checking option
- Low interest rates
- Many misc. banking fees
- Savings: 0.03% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
- Perks for high balance customers
- Many fee-free ATMs
- Global presence
- No free checking option
- Higher balance requirements
- Low savings APY
- Savings: 0.03% APY. $25 Minimum opening deposit. $1 monthly fee, unless 1) You have a Santander Checking Account, or have 2) $100 average daily balance in your savings account.
- Easy to waive monthly fees
- High APY for CDs
- Free student checking
- Low interest for Premier Plus Checking
- Savings: 0.02% APY (Premier Savings). $4 monthly fee, unless you have 1) daily average balance of $300, or 2) linked to a Huntington Asterisk-Free Checking Account. Minimum deposit of $50.
- Free checking option
- 24-hr grace for overdrafts
- All day deposit
- 24-hr customer service
- Limited branches
- Low savings APY
- Savings: 0.02% APY. Monthly service fee of $7.50 unless you 1) maintain a minimum daily balance of $500 or, 2) have a personal checking account with M&T Bank or, 3) make at least one deposit in your Relationship Savings account
- Free checking option
- High APY for Promo CD
- Free savings with checking
- Fee heavy
- Subpar savings APY
- Limited branches
- Savings: 0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.
- Promo CD with high APY
- Free student account
- 24/7 customer service
- High minimums to waive fees
- Low savings APY
- Savings: 0.01% APY (0.05% APY - 0.10% APY Relationship rates) minimum deposit of $25. $5 monthly service charge unless you have 1) $300 monthly average monthly balance, or 2) if you are under 18 years old, or 3) set up an Auto Savings transfer of $25 or more each month from your PNC Checking account to your Savings account; 2.15% APY High Yield Savings. No minimum balance. No minimum deposit. $0 Monthly charge. Minimum balance to earn interest is $1.00.
- Virtual Wallet tools
- Relatively easy to waive fees
- Free student account
- Limited branches
- Low APY
- Savings: 0.01% APY. No minimum deposit. $5 per month unless 1) you have a Fifth Third Checking Account, or 2) You maintain an average monthly balance of $500 or more, or 3) You or someone under age 18 is an owner of the account, 4) You are enrolled in Fifth Third Military Banking.
- Free Express Checking
- Free student checking
- Promo CD with high APY
- Higher balance requirements
- Low savings APY
- Limited branches
- Savings: Two types of Savings Account - Regions Savings, and Regions Lifegreen Savings. 0.01% APY. Regions Savings Account - minimum opening deposit $50. $5 monthly maintenance fee, unless you have $300 minimum daily balance. Regions Lifegreen Account - minimum opening deposit $50. Must have Regions Checking Account. No monthly maintenance fee.
- $50 to open checking account
- Relationship Rewards program
- LifeGreen Savings annual bonus
- No free checking option
- Limited branches
- Low savings APY
- Savings: 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, or are under the age of 18.
- Savings: 0.01% APY for all savings account. For Essential Savings Account - no minimum opening deposit, no monthly maintenance fee, no tiered interest rates. For Select Savings Account - $100 minimum opening deposit, $7 monthly maintenance fee unless 1) minimum $25 per month auto-transfer from a SunTrust personal checking account or, 2) $1,000 minimum daily collected balance. Has tiered interest rates.
- High APY for CDs
- Free student account
- Good customer service
- No free checking option
- Low savings APY
- Limited branches
- Savings: 0.01% APY. Minimum deposit of $25 - $50, depending on account. May have monthly maintenance fee of $0 - $10, depending on account. Can be waived with minimum balance of $100 or $1000, depending on account.
- Savings: No
- No minimum investment
- Invest with spare change
- Free for college students
- Fees are high for small balances
- No tax benefits
- Limited investment options
- Savings: Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account. - Nearly 5,000 branches
- New customer promotions
- Full service banking
- Low interest rates
- Not in all states
- No minimum investment
- Many customized portfolios
- Automatically invest extra funds
- Limited investment options
- High fees for large investors
- Savings: 2.00% APY. $0 to open; $1 to earn stated APY. No fees to open or maintain account. No minimum daily balance requirement.
CIT Bank
| Pros: | Cons: |
Our Review: 
(4.5) Want a higher interest rate at a good FDIC insured bank? CIT is tempting, but there are downsides you should not ignore. Read this review before you open an account...
Open a CIT Bank 2.20% APY Savings Builder High Yield Savings Account
HSBC Bank
| Pros: | Cons: |
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...
UFB Direct
Synchrony Bank
| Pros: | Cons: |
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...
Discover Bank
| Pros: | Cons: |
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...
Ally Bank
| Pros: | Cons: |
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...
Axos Bank
If the perfect checking account for you is one with no monthly fees while offering rewards, you may have found your match with Axos Bank...
Capital One
| Pros: | Cons: |
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...
Digit
| Pros: | Cons: |
Our Review: (3.3) Digit automatically builds a savings fund for you by withdrawing small, affordable amounts. But it's not perfect. Is it worth the fee? Let's find out...
Qapital
| Pros: | Cons: |
Our Review: (4.0) Qapital "forces" you to save by rounding up your purchases or following rules you've chosen. So can this mobile app for beginning savers help you? Read on to find out...
Rize
| Pros: | Cons: |
Our Review: (4.0) If you are tired of not making interest on your microsavings accounts, Rize may peak your interest. Falling into the microsavings category, Rize stands out from the crowd with its interest-bearing capabilities and unlimited withdrawal options...
TD Bank
| Pros: | Cons: |
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...
Charles Schwab Bank
| Pros: | Cons: |
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...
KeyBank
| Pros: | Cons: |
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...
Citizens Bank
| Pros: | Cons: |
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...
Bank of America
| Pros: | Cons: |
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...
Citibank
| Pros: | Cons: |
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...
Santander Bank
| Pros: | Cons: |
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...
Huntington Bank
| Pros: | Cons: |
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...
M&T Bank
| Pros: | Cons: |
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?...
US Bank
| Pros: | Cons: |
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?...
PNC Bank
| Pros: | Cons: |
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...
Virtual Wallet with Performance Select Checking - $300 Cash Bonus
Fifth Third Bank
| Pros: | Cons: |
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...
Regions Bank
| Pros: | Cons: |
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...
Wells Fargo
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...
SunTrust Bank
| Pros: | Cons: |
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...
TCF Bank
Acorns
| Pros: | Cons: |
Our Review: (3.7) Acorns automatically invests your spare change, so you can invest without thinking. It's great for novice investors, but there are downsides. Read on...
Chase
| Pros: | Cons: |
Our Review: (4.1) Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you...
Betterment
| Pros: | Cons: |
Our Review: (4.1) Betterment offers low fees and good returns. But there are risks you should NOT ignore. Read this review to see if Betterment is better...
Marcus by Goldman Sachs
Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons...
Articles on Savings
Best High Yield Savings Accounts
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 Key Bank Routing NumberLooking to transfer money in or out of your KeyBank checking or savings account? Find your KeyBank routing number and learn more about money transfers in our guide. | ||