Banking Bank Reviews

Banks With the Best Customer Service [2025]: Standout Support You Can Count On

We compare top banks to see which offers the best mix of customer service, account features, and everyday convenience.

Updated May 30, 2025
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When choosing a bank, customer service can be just as important as interest rates or account features. Whether you prefer the convenience of online banking or the reassurance of walking into a branch, your experience often hinges on how well a bank supports you when issues arise.

After years of banking with a local credit union, I recently switched to an online bank to avoid fees and earn a little interest on my savings. Factors like fees, APYs, overdraft policies, and accessibility are important when evaluating the best banks.

How we evaluate products

Bank Best for Monthly fees J.D. Power 2024 National Banking Satisfaction Study score
American Express National Bank, Member FDIC High-yield savings None Not rated
Chase In-person banking $12 on Chase Total Checking®; $5 on Chase Savings℠ (waivable) 677/1,000 (658 study average)
U.S. Bank Military members and seniors age 65 and over $12 on U.S. Bank Smartly® Checking; $5 on Bank Smartly® Savings (waivable) 660/1,000 (658 study average)
SoFi® Direct deposit None on SoFi Checking and Savings1 Not rated
Capital One Overall customer satisfaction None 689/1,000 (658 study average)

American Express National Bank

Great for high-yield savings

Product/bank details

  • Both checking and savings accounts earn interest
  • Savings accounts are more accessible for non-American Express cardholders
  • Checking account gives rewards points for eligible debit card transactions equal to 1 point per $2 spent

You're probably most familiar with American Express for its credit cards, but the financial company also offers savings, checking, and other banking products. Its high-yield savings account is one of the best savings accounts that earns a competitive APY of 3.60%2 and is available to anyone, even if they're not an Amex cardholder.

I opened an Amex high-yield savings account last year and have been happy with the return I've received so far (even though the interest rate has slightly decreased since I opened it.)

Amex's checking account is a newer product for the company, and it is currently only available for current Amex cardholders. If you have an Amex card, you may want to consider the company's checking account. It is one of the few checking accounts that earns interest, currently at 1.00% (as of 05/02/25) APY.

The account also comes with a debit card that rewards you with points for eligible purchases. You'll earn 1 point per $2 spent. However, American Express is not for you if you need overdraft protection. The company doesn't offer that service.

Pros
  • 1.00% (as of 05/02/25) APY on checking accounts
  • Earns points on eligible debit card purchases
  • You don't have to have an American Express card to open a high-yield savings account
Cons
  • You have to be an American Express cardholder to open a checking account
  • Charges foreign transaction fees
  • Doesn't offer overdraft protection

Visit American Express® High-Yield Savings | Learn more in our Amex High Yield Savings review

5.0
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American Express® High Yield Savings Benefits

  • Earn a competitive 3.60% annual percentage yield (APY)2 from a trusted brand
  • No minimum deposits or balances required, and no monthly fees3
  • Award-winning financial institution with 24/7 access to customer service representatives
  • Terms apply
Learn more

Chase

Great for in-person banking

Product/bank details

  • Operates over 4,700 branch locations
  • Provides limited overdraft protection
  • Ranks high for overall customer service by J.D. Power

If you prefer to do a lot of your banking in person, then Chase may be the right bank for you. It has over 4,700 brick-and-mortar branch locations across the country. It also ranks high for overall customer satisfaction, coming in just second behind Capital One on J.D. Power's 2024 National Banking Satisfaction Study.

However, beyond that, there's not much that excites me about Chase's banking products. It charges monthly service fees on both its checking and savings accounts. Many of those fees could be waived for some of their checking products if you jump through the right hoops, like having direct monthly deposits of at least $500 to a Chase Total Checking® account.

Neither of Chase's savings or checking accounts earns interest. The company offers overdraft protection on eligible accounts but is limited to $50 or less. If you overdraft over $50, you'd better deposit or transfer money into your account and make it good by the next day, or else you'll be charged a $34 overdraft fee.

Pros
  • Has over 4,700 brick-and-mortar locations
  • Ranked 2nd for overall customer satisfaction in the J.D. Power 2024 U.S. National Banking Satisfaction Study
  • Offers overdraft protection on eligible accounts
Cons
  • Monthly service fees (some are waivable)
  • Some accounts don't earn interest
  • Charges $34 for overdraft transactions over $5 on all Chase checking accounts except except Chase First Checking℠, Chase High School Checking℠ or Chase Secure Checking℠

Visit Chase Total Checking® | Learn more in our Chase review

4.2
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Chase Total Checking® Benefits

  • Get a $300 bonus when you open a Chase Total Checking® account with qualifying activities; offer valid through 7/16/20254
  • Access to more than 15,000 ATMs and more than 4,700 branches
  • Manage all your accounts from the Chase Mobile® app
  • Monthly Service Fee as low as $0 when you meet qualifying electronic deposits or account balance minimums5
  • Member FDIC
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U.S. Bank

Great for military members and seniors over 65

Product/bank details

  • $25 minimum deposit to open most checking and savings accounts
  • Monthly maintenance fees on the Smartly® Checking can be waived with combined monthly direct deposits of $1,500+ or an average account balance of $1,500 or more
  • Monthly fees are waived for military members, seniors over 65, and adults under 24

Like Chase, U.S. Bank ranks higher than average for overall customer satisfaction according to J.D. Power. Still, it also has monthly fees and minimum balance requirements that many financial companies have done away with.

U.S. Bank levies a $12 monthly fee on its Smartly Checking Account and a $5 monthly fee on its Smartly® Savings account, but the savings account fee is waived if you have both a U.S. Bank Smartly® Checking or Safe Debit checking account and a Smartly® Savings account. There are other ways to get the monthly fees waived, including having an average account balance or monthly direct deposits of $1,500 or more. The fees are also automatically waived if you are a military member, a senior age 65 or older, or a teen or young adult age 13-24.

U.S. Bank operates 2,000 physical branches, but those branches are available in only 26 states in the U.S. The bank's tiered rewards system seems designed to benefit customers with at least $25,000 in their accounts. If you have less than that, you can probably find better terms at a different bank.

Pros
  • Ranks above average for customer satisfaction
  • Tiered rewards program based on account balance
  • Monthly fees are waived for military members, seniors over 65 and adults under 24.
Cons
  • Monthly maintenance fees on checking and savings accounts (waivable)
  • Most accounts require a minimum deposit of $25
  • Most rewards are available to clients with $25,000 or more

Visit U.S. Bank Smartly® Checking | Learn more in our U.S. Bank Smartly Checking review

4.3
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2025 award winner Best for Bonuses

  • Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities
  • Subject to certain terms and limitations
  • Offer valid through June 26, 2025
  • Member FDIC
  • Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint
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SoFi®

Great for direct deposit

Product/bank details

  • SoFi isn't a bank; it's a fintech company
  • When you open a SoFi checking account, you automatically get a savings account
  • Both SoFi's checking and savings accounts earn interest6

Because SoFi is a fintech company and not a bank, it wasn't included in J.D. Power's annual National Banking Satisfaction Study. But the company does have a 4.3-star rating on Trustpilot, with 81% of users giving it 5 stars. It is also makes our list of the best online banks.

After writing several reviews on SoFi, I pulled the trigger and opened an account. I was attracted to it because of its no monthly fee or minimum balance requirements and interest-earning checking and savings accounts.

I also like that it automatically covers overdraft charges with the money in my savings account without charging me a fee, unlike my credit union that charges $3 every time it uses my own money in savings to cover overdraft charges to my checking account. There are, however, a number of conditions that must be met to qualify for overdraft coverage.7

However, to earn the higher up to 3.80% APY8 on your SoFi savings account, you must meet a range of conditions to be eligible.8 Otherwise, the interest rate on the savings account is just 1.00% (as of 01/24/25) APY. If you don't have direct deposit, you can get the higher interest on your savings account with a SoFi Plus premium membership, which will cost you $10 per month.

Pros
  • No monthly fees for monthly maintenance, overdrafts or minimum balances
  • Interest earned on checking and savings accounts
  • Get paid up to two days early with direct deposit9
Cons
  • Has no physical branches
  • Must have direct deposit, be a SoFi Plus member, or make $5,000 or more in qualifying deposits during a 30 day evaluation period to get high interest on a savings account
  • Specific requirements for being eligible for the higher APY on savings

Visit SoFi Checking and Savings | Learn more in our SoFi Checking and Savings review

5.0
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2025 award winner Best Checking and Savings Combo

SoFi Checking and Savings Benefits

  • Earn up to 3.80% APY8 and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits10
  • No account, overdraft, or monthly fees1
  • Get your paycheck up to two days early9
  • Access additional FDIC insurance up to $3 million6
Open an account with SoFi here

Capital One

Great for overall customer satisfaction

Account details

  • Ranks #1 for customer satisfaction according to J.D. Power
  • Both checking and savings accounts earn interest
  • Doesn't charge fees for overdrafts and non-sufficient funds

Capital One's 360 Checking and Savings accounts are a solid option if you want no monthly fees or minimum balance requirements. Plus, both accounts earn interest: 3.60% APY11 on savings and 0.10% (as of 04/28/25) APY on checking. In J.D. Power's 2024 National Banking Satisfaction Study, Capital One ranked number one. It also takes the top spot in the Mid-Atlantic Region and South Central Region in J.D. Power's 2025 Retail Banking Satisfaction Study.

With Capital One, your funds are pretty accessible in over 70,000 ATM locations. The company does operate some physical branches and "cafes," but there aren't many of those locations compared to Chase and U.S. Bank. Capital One also has one of the best banking apps available.

Pros
  • No monthly fees, overdraft fees, or minimum balance requirements
  • Get paid up to two days early with direct deposit12
  • Ranked #1 in overall customer satisfaction in J.D. Power's 2024 National Banking Satisfaction Study
Cons
  • Operates a limited number of physical branch locations
  • Low interest on checking accounts
  • You must deposit at least $250 in two of three months to be eligible for no-fee overdraft

Learn more in our Capital One 360 review.

Online banking vs. traditional banking

Choosing between an online bank and a traditional brick-and-mortar bank depends on your preferences and the type of banking experience you want. Online banks tend to have lower fees and offer higher interest rates because they don't have the overhead of physical branches. On the other hand, traditional banks provide in-person service, which can be helpful if you value face-to-face interaction. However, you may have to deal with more fees or account restrictions.

The fact that Capital One, which is primarily an online bank, ranks the highest for customer service indicates that online banks are starting to improve in that area, where traditional banks have often had the upper hand.

FAQs

What bank has the highest customer satisfaction?

According to the J.D. Power 2024 U.S. National Banking Satisfaction Study, Capital One ranks number one for overall customer satisfaction, scoring 689 out of 1,000. Other banks that ranked about average include Chase and U.S. Bank.

Is Chase better than Wells Fargo?

When it comes to overall customer satisfaction, Chase ranks better than Wells Fargo. In the J.D. Power 2024 U.S. National Banking Satisfaction Study, Chase scored 677 out of 1,000, while Wells Fargo scored 648, below the study average of 658.

Is Capital One a good bank?

Yes, Capital One is a good bank to do business with. Besides its high rankings for overall customer satisfaction, Capital One's 360 banking products feature no monthly fees, no overdraft fees, and no minimum balance requirements. Both its checking and savings accounts also earn interest.

Bottom line

Finding the right bank can be challenging. While many offer low fees and high APYs on accounts, how well you're treated — whether online or off — is just as important.

Capital One offers the best of both worlds with the digital offerings of an online bank, as well as branch locations for those who prefer a traditional bank. Plus, its rankings for outstanding customer service rival many online and traditional banks.

Ultimately, the best bank for you depends on your lifestyle and priorities.

5.0
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2025 award winner Best Checking and Savings Combo

SoFi Checking and Savings Benefits

  • Earn up to 3.80% APY8 and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits10
  • No account, overdraft, or monthly fees1
  • Get your paycheck up to two days early9
  • Access additional FDIC insurance up to $3 million6
Open an account with SoFi here