Best Banks With Financial Advisors [2026]: Get Help Growing Your Wealth
Some banks offer more than just a place to put your money. These six picks help you access a financial advisor who can help with your overall financial plans.
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Working with a financial advisor can have a positive impact on your financial future. In fact, Northwestern Mutual reports that Americans who have advisors expect to reach retirement two years sooner than those without one. That's extra time to enjoy your life.
Finding a financial advisor can be complicated, though. That's why it can make sense to check out the best banks with financial advisors. SoFi®, Chase, U.S. Bank, and others offer access to vetted professionals — and sometimes even provide free or discounted sessions for customers.
I reviewed several banks that offer financial advisors, checked out their fees and account holder benefits, and identified six great picks that will help you get access to financial advice.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Q4 2026 New Customer Offer Terms and Conditions
Offer valid from September 1, 2026, through and including December 31, 2026 (“Offer Period”). Only New Customers are eligible for this offer.Definitions:
“New Customer” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.
“New Money” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.
“Qualifying Balance” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below. Consumer accounts/assets that are ineligible for Qualifying Balance: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.Terms to Qualify for Cash Bonus:
New Customer must meet each of the following requirements to qualify for the cash bonus:
Open a new HSBC Premier checking account (“New Account”) during the Offer Period; AND
Meet a Qualifying Balance of $50,000 or more of New Money in deposit and/or eligible investment accounts within 30 calendar days of opening the New Account; AND
Maintain the required Qualifying Balance for 3 full consecutive calendar months following the New Account opening month. AND
Remain opted-in to receive HSBC marketing emails.
For purposes of determining whether the New Customer has maintained the required Qualifying Balance and the associated cash bonus tier, the New Customer’s Qualifying Balance will be reviewed at the end of 3 full consecutive calendar months following the New Account opening month.Cash Bonus Tier: The cash bonus amount is tiered and based on the Qualifying Balance, as follows:
Qualifying Balance: Cash Bonus
$50,000-$99,999.99: $1,000
$100,000-$249,999.99: $1,500
$250,000-$499,999.99: $2,000
$500,000+: $3,000
If all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified. “Fully qualified” means all offer requirements have been met, including the 3-month maintenance requirement. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.Important: The minimum Qualifying Balance of $50,000 required to earn the cash bonus under this offer is less than the $100,000 combined balance requirement to waive the $50 Monthly Maintenance Fee on your HSBC Premier checking account. If you do not meet at least one of the HSBC Premier qualification criteria, you will be charged a $50 Monthly Maintenance Fee regardless of your eligibility for this promotional cash bonus. Please refer to the HSBC Premier Terms and Charges Disclosure for full details on fee waiver requirements.Additional Terms:
Offer is non-transferable and available only to individuals who are at least 18 years of age.
Your New Account must be open and in good standing at time of bonus fulfillment.
All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time without notice.
Eligible New Customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities. New Assets cannot be applied to meet the requirements of more than one offer, unless the other offer(s) state otherwise.
For joint accounts, the first name on the joint account is considered the new customer for the cash bonus.
If you do not wish to participate in this campaign or if you qualify for this offer and do not want to receive the cash bonus and/or future marketing messages for this campaign, please contact us and reference offer name: Q4’26 New Customer Offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC US Mobile Banking App or at us.hsbc.com/chatwithus. You can call us at 1-888-662-4722 or outside the U.S. or Canada at 716-841-6866 or contact your Wealth Relationship Manager.
Minimum Opening Balance
$0
Monthly Fee
$50
Why We Like It
Earn up to a $3,000 bonus1 <div class="hsbc-premier-q4-2026-terms">
<p><strong>Q4 2026 New Customer Offer Terms and Conditions</strong><br>
Offer valid from September 1, 2026, through and including December 31, 2026 (“Offer Period”). Only New Customers are eligible for this offer.</p>
<p><strong>Definitions:</strong><br>
“<strong>New Customer</strong>” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.<br>
“<strong>New Money</strong>” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.<br>
“<strong>Qualifying Balance</strong>” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below. <strong>Consumer accounts/assets that are ineligible for Qualifying Balance</strong>: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.</p>
<p><strong>Terms to Qualify for Cash Bonus:</strong><br>
New Customer must meet each of the following requirements to qualify for the cash bonus:</p>
<ul>
<li>Open a new HSBC Premier checking account (“New Account”) during the Offer Period; AND</li>
<li>Meet a Qualifying Balance of $50,000 or more of New Money in deposit and/or eligible investment accounts within 30 calendar days of opening the New Account; AND</li>
<li>Maintain the required Qualifying Balance for 3 full consecutive calendar months following the New Account opening month. AND</li>
<li>Remain opted-in to receive HSBC marketing emails.</li>
</ul>
<p>For purposes of determining whether the New Customer has maintained the required Qualifying Balance and the associated cash bonus tier, the New Customer’s Qualifying Balance will be reviewed at the end of 3 full consecutive calendar months following the New Account opening month.</p>
<p><strong>Cash Bonus Tier</strong>: The cash bonus amount is tiered and based on the Qualifying Balance, as follows:<br>
Qualifying Balance: Cash Bonus<br>
$50,000-$99,999.99: $1,000<br>
$100,000-$249,999.99: $1,500<br>
$250,000-$499,999.99: $2,000<br>
$500,000+: $3,000<br>
If all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified. “Fully qualified” means all offer requirements have been met, including the 3-month maintenance requirement. <strong>Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.</strong></p>
<p><strong>Important: </strong>The minimum Qualifying Balance of $50,000 required to earn the cash bonus under this offer is less than the $100,000 combined balance requirement to waive the $50 Monthly Maintenance Fee on your HSBC Premier checking account. If you do not meet at least one of the HSBC Premier qualification criteria, you will be charged a $50 Monthly Maintenance Fee regardless of your eligibility for this promotional cash bonus. Please refer to the HSBC Premier Terms and Charges Disclosure for full details on fee waiver requirements.</p>
<p><strong>Additional Terms:</strong></p>
<ul>
<li>Offer is non-transferable and available only to individuals who are at least 18 years of age.</li>
<li>Your New Account must be open and in good standing at time of bonus fulfillment.</li>
<li>All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time without notice.</li>
<li>Eligible New Customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities. <strong>New Assets cannot be applied to meet the requirements of more than one offer, unless the other offer(s) state otherwise.</strong></li>
<li>For joint accounts, the first name on the joint account is considered the new customer for the cash bonus.</li>
<li>If you do not wish to participate in this campaign or if you qualify for this offer and do not want to receive the cash bonus and/or future marketing messages for this campaign, please contact us and reference offer name: Q4’26 New Customer Offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC US Mobile Banking App or at us.hsbc.com/chatwithus. You can call us at 1-888-662-4722 or outside the U.S. or Canada at 716-841-6866 or contact your Wealth Relationship Manager.</li>
</ul>
</div> when you open an HSBC Premier2 <div class="hsbc-premier-qualification-criteria">
<p>To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and meet one of the following requirements. A monthly maintenance fee of $50 will be incurred if at least one of these requirements is not maintained. Refer to your ‘HSBC Premier Terms and Charges Disclosure’ for full details.</p>
<ul>
<li>Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR</li>
<li>Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR</li>
<li>Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included</li>
<li>Consumers who maintain Private Bank status</li>
</ul>
</div> 3 <p>Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.</p> checking account and complete qualifying activities.
Get $1,000: Deposit or invest $50,000 to $99,999; Get $1,500: Deposit or invest $100,000 to $249,999; Get $2,000: Deposit or invest $250,000 to $499,999; Get $3,000: Deposit or invest $500,000+
Manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles.
Our credit cards come with a competitive range of rewards and benefits that complement your lifestyle.
Why you should consider a bank with financial advisors
Working with a bank that offers access to financial advisors often makes sense because you can get financial advice from a trusted resource at the same place you keep your money.
Financial advisors can provide help with figuring out the big picture of managing your money. Financial advisor duties include offering guidance on a wide range of issues, including:
Investments
Insurance
Estate planning
Tax planning
Budgeting
Debt management
Setting and tracking financial goals, such as retiring or buying a home
While many people think financial advisors are for the wealthy, they're actually for everyone, and getting professional advice can be especially valuable if you don't have a lot of money and need to make sure you're using and investing it wisely.
Finding a bank that offers access to a financial advisor can help you get access to this advice. You may get free or discounted services from a certified professional, and your bank will have vetted the advisor, so it makes life a whole lot more convenient.
No cost financial planning with SoFi+ membership4 <p>Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at <a href="http://www.adviserinfo.sec.gov/" style="background-color: rgb(255, 255, 255);">www.adviserinfo.sec.gov</a>.</p>
Checking and savings accounts with unlimited ATM fee rebates and no monthly fees
Comprehensive wealth and investment management solutions
Robo-advisor option with professional help available
SoFi®
Best for all accounts in one place
AWARD WINNERBest Online Checking
5.0
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
SoFi Checking and Savings
SoFi Checking & Savings - Earn Up to $400 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $400 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.10% APY5 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> with +0.90% APY Boost) for up to 6 Months on new accounts. Terms Apply.6 <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.7 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
No-monthly-fee combined bank account with competitive APYs of up to 3.10% on savings and 0.50% on checking balances8 <p>Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at <a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a></p> with direct deposit
More than 55,000 fee-free ATMs9 <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>
Free 30-minute consultation with a financial advisor or unlimited consultations with SoFi Plus membership
The SoFi Checking and Savings account is one of the best options for opening a bank account with access to a financial planner. You get a free 30-minute consultation just for being an account holder. To get unlimited access to an advisor, you can upgrade to SoFi Plus by paying $10 per month or receiving an eligible direct deposit.
SoFi offers many other features to love. You'll earn a competitive APY on both your checking and savings balances (which is unusual since most checking accounts don't even pay interest), and your account has no monthly fee10 <p>We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a>.</p> . This helps make SoFi's offering rank among the best checking accounts and best savings accounts available.
You'll also benefit from access to a large network of 55,000+ fee-free ATMs and early direct deposit of your paycheck.11 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p> And, if that's not enough, keep in mind that SoFi has several other financial products, including personal loans, student loans, and mortgages.
The more products you have, the more member benefits you might enjoy, including future interest rate discounts, travel deals, and more. If you want one financial institution to handle all your accounts, SoFi is the one.
Member FDIC.7 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
Pros
Checking and savings accounts with no monthly fees
Unlimited access to a financial planner with SoFi+ membership
Competitive APY on your savings and checking balances
Cons
No physical branches
All perks (including the highest APY) require direct deposit or paid membership
More limited overdraft coverage12 <p>Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at <a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a>. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.</p> compared with some competitors
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Chase Total Checking®
Enjoy $400 as a new Chase checking customer
When you open a new Chase Total Checking® account with qualifying activities.13 <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $1,000 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p> FDIC Insured. Offer valid through 10/14/2026.
Checking and savings accounts with various monthly fee waiver options
More than 5,000 local branches and more than 14,000 fee-free ATMs
Access to a J.P. Morgan financial advisor
Chase offers several different checking and savings accounts. Each offers all the essential features you expect from a bank, including more than 5,000 local branches where you can get in-person support.
Unfortunately, unlike SoFi, most accounts are not monthly-fee free. Chase accounts often come with a monthly charge unless you make minimum monthly direct deposits, maintain a required minimum daily balance, or meet some other requirement. Chase also offers far fewer fee-free ATMs than SoFi with just 14,000+ available.
Chase does provide access to financial advisors, though, through J.P. Morgan. You can access financial planning, investment advice, and retirement help as well as get a holistic view of your finances with these services. You can get a free initial consultation, but you'll need a minimum of $25,000 invested to qualify for personal advisory services.
Pros
Free consultation with a J.P. Morgan financial advisor
Over 5,000 local branches for in-person support
Access to Zelle and Chase QuickDeposit
Cons
Requires a $25,000 minimum investment for financial advisory services
Checking and savings accounts with waivable monthly fees, including for being under 24
More than 5,600 branches and 11,000 ATMs
Access to dedicated financial advisors who work either on a fee-only basis or charge a percentage of assets under management
Wells Fargo is a great option if you are looking for a bank with financial advisors because the advisors work under two different pay structures, so you can select the one that makes sense for you. You can either pay a flat fee or pay a percentage of assets under management, depending on the services you want from your advisor.
Particularly, younger consumers may want to consider this bank, as there are some accounts that allow you to waive fees for simply being under 24. Older customers, on the other hand, will need to meet other waiver requirements, such as having a minimum daily balance or making required direct deposits.
Those requirements can be steep for premium accounts. For example, the Prime Checking account costs $25 monthly unless you maintain a minimum of $20,000 in statement-ending qualifying linked balances, and the Premier Checking account costs $35 monthly unless you maintain a minimum of $250,000 in statement-ending qualifying linked balances.
Pros
Easy monthly fee waivers for account holders under 24
Over 5,600 branches for in-person support
Financial advisors with different fee structures and a free initial consultation
Cons
Monthly account fees that can be hard to waive without large balances
Cash back, fee-free overdrafts, and other perks with U.S. Bank Smart Rewards®
More than 2,000 branches and 40,000 ATMs
Access to bankers and financial advisors to help with your money needs
U.S. Bank offers access to bankers who provide advice about banking services and financing as well as specialty services like asset planning. The bank also provides access to wealth management advisors from U.S. Bancorp Investments and private wealth advisors from U.S. Bank Private Wealth Management. You can choose where you get help, and your initial consultation is free.
You also benefit from the option to earn Smart Rewards if you sign up for Bank Smartly® Checking. Example rewards include waiving your monthly maintenance fee for two statement periods, waiving your savings account monthly fee, providing access to digital financial tools to manage your money, waiving two non-partner ATM fees, waiving overdraft protection transfer fees, and getting cash back deals.
Unfortunately, the bank offers a choice of only two checking accounts, which is fewer than many competitors, including Wells Fargo. Both accounts have fees, and while you can waive them with U.S. Bank Smartly® Checking, you can't with the Safe Debit Account.
Pros
Smart Rewards with U.S. Bank Smartly® Checking such as cash back and fee waivers
Larger fee-free ATM network than some competitors
Financial advice from bankers and wealth advisors
Cons
Few checking and savings account options
Monthly account fees, which aren't always waivable14 <p>No Monthly Maintenance Fee for the U.S. Bank Smartly® Checking account with one of the following: Combined monthly direct deposit totaling $1,500+, an average account balance of $1,500 or greater, the owner of an eligible Small Business Checking account, the owner of a U.S. Bank Smartly VisaTM Signature® Card, are 24 and under, 65 and over, or a member of the military (must self-disclose), or qualify for Smart Rewards® Gold tier or above.</p>
Best for investors who have a Schwab brokerage account
Product details
Checking and savings accounts without monthly fees
Multiple options for wealth management services, including robo-advisors, with the benefit of in-person support as needed
Unlimited worldwide ATM fee rebates if you're withdrawing cash
You get multiple options for financial advice. Schwab's brokerage offers full-service wealth management solutions from a dedicated advisor, investment portfolio management services, and a robo-advisory service with optional help from a person. Fees vary, with the robo-advisor option carrying the lowest costs. The account minimums for advisory services start at $25,000.
Pros
Bank accounts without monthly maintenance fees, overdraft fees, or minimum balance requirements
Travel perks, including no foreign transaction fees and unlimited ATM fee reimbursement
Access to multiple options for financial advice, including a robo-advisor with added support if needed
Cons
Requires a $25,000 account minimum for financial advisory services
No option to deposit cash into your account, including at local brokerage locations
How to find the right bank with financial advisors
When you're looking for the best bank that offers access to a financial advisor, there are a few key features that you should pay attention to, including:
Qualifying requirements to open an account: Find out what the minimum deposit requirement is and what other requirements are to open an account. For example, if you are looking for a bank with no credit check, be sure the account you're interested in doesn't require one.
Types of banking services offered: Do you need a savings or checking account? Do you prefer a bank with good ATM access or in-person branches? Identify the features most important to you and then make sure the potential bank offers them.
Types of advisors: You want to make sure your advisor is qualified. Find out if you will be working with a licensed investment advisor, a Certified Financial Planner (CFP), or just a banker who sells the company's products to you.
Fee structures: Many accounts have monthly fees, although you can often waive them. Be sure you understand the cost. You should also find out how much the advisors charge and whether there are any free services available like an initial consultation.
In-person and remote access options: Check if there are local bank branches and how customers rate the bank's mobile app. The size of the bank's ATM network matters too. You want to ensure you can easily access your money and talk to customer service when needed.
Account minimums: Does the bank have a minimum required deposit to open the account, and do you have to maintain a certain minimum daily balance to avoid fees? Find out these facts before signing up, and consider checking out some of the best checking accounts that often don't demand such requirements.
Insurance and reputation: Of course, you also want to make sure your accounts at the bank are insured and that the bank has a good reputation for treating customers well.
By considering all these issues, you should be able to find the best bank with financial advisors to help you take control over your money management.
How to choose the right financial advisor
This graphic presents a simple checklist to help people evaluate financial advisors before choosing one. It highlights key factors to consider so you can choose someone who aligns with your financial goals and best interests.
Consider these factors when searching for a financial advisor, and don't forget to bring your own set of non-negotiables to the table.
4.6
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Earn up to a $3,000 Bonus With This Checking Account
Open a new HSBC Premier checking account by December 31, 2026. Add your preferred amount of deposits and/or eligible investments within 30 days, maintain your balances for 3 full consecutive months, and remain opted-in to receive HSBC marketing emails.1 <div class="hsbc-premier-q4-2026-terms">
<p><strong>Q4 2026 New Customer Offer Terms and Conditions</strong><br>
Offer valid from September 1, 2026, through and including December 31, 2026 (“Offer Period”). Only New Customers are eligible for this offer.</p>
<p><strong>Definitions:</strong><br>
“<strong>New Customer</strong>” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.<br>
“<strong>New Money</strong>” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.<br>
“<strong>Qualifying Balance</strong>” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below. <strong>Consumer accounts/assets that are ineligible for Qualifying Balance</strong>: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.</p>
<p><strong>Terms to Qualify for Cash Bonus:</strong><br>
New Customer must meet each of the following requirements to qualify for the cash bonus:</p>
<ul>
<li>Open a new HSBC Premier checking account (“New Account”) during the Offer Period; AND</li>
<li>Meet a Qualifying Balance of $50,000 or more of New Money in deposit and/or eligible investment accounts within 30 calendar days of opening the New Account; AND</li>
<li>Maintain the required Qualifying Balance for 3 full consecutive calendar months following the New Account opening month. AND</li>
<li>Remain opted-in to receive HSBC marketing emails.</li>
</ul>
<p>For purposes of determining whether the New Customer has maintained the required Qualifying Balance and the associated cash bonus tier, the New Customer’s Qualifying Balance will be reviewed at the end of 3 full consecutive calendar months following the New Account opening month.</p>
<p><strong>Cash Bonus Tier</strong>: The cash bonus amount is tiered and based on the Qualifying Balance, as follows:<br>
Qualifying Balance: Cash Bonus<br>
$50,000-$99,999.99: $1,000<br>
$100,000-$249,999.99: $1,500<br>
$250,000-$499,999.99: $2,000<br>
$500,000+: $3,000<br>
If all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified. “Fully qualified” means all offer requirements have been met, including the 3-month maintenance requirement. <strong>Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.</strong></p>
<p><strong>Important: </strong>The minimum Qualifying Balance of $50,000 required to earn the cash bonus under this offer is less than the $100,000 combined balance requirement to waive the $50 Monthly Maintenance Fee on your HSBC Premier checking account. If you do not meet at least one of the HSBC Premier qualification criteria, you will be charged a $50 Monthly Maintenance Fee regardless of your eligibility for this promotional cash bonus. Please refer to the HSBC Premier Terms and Charges Disclosure for full details on fee waiver requirements.</p>
<p><strong>Additional Terms:</strong></p>
<ul>
<li>Offer is non-transferable and available only to individuals who are at least 18 years of age.</li>
<li>Your New Account must be open and in good standing at time of bonus fulfillment.</li>
<li>All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time without notice.</li>
<li>Eligible New Customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities. <strong>New Assets cannot be applied to meet the requirements of more than one offer, unless the other offer(s) state otherwise.</strong></li>
<li>For joint accounts, the first name on the joint account is considered the new customer for the cash bonus.</li>
<li>If you do not wish to participate in this campaign or if you qualify for this offer and do not want to receive the cash bonus and/or future marketing messages for this campaign, please contact us and reference offer name: Q4’26 New Customer Offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC US Mobile Banking App or at us.hsbc.com/chatwithus. You can call us at 1-888-662-4722 or outside the U.S. or Canada at 716-841-6866 or contact your Wealth Relationship Manager.</li>
</ul>
</div>
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Wells Fargo Everyday Checking - Earn a $325 Bonus
Earn a $325 new checking customer bonus when you open an Everyday Checking account and make $1,000 or more in qualifying direct deposits. Wells Fargo Bank, N.A. Member FDIC
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Bank of America Advantage Plus Banking®
New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. Click Learn More for details. Bank of America, N.A. Member FDIC
Is it good to get a financial advisor from a bank?
Some financial advisors from banks can provide quality advice, but you'll want to understand their credentials. If they are not fiduciaries acting in your best interest, they may be more apt to try to sell you on the bank's services rather than offer objective financial advice.
Do banks provide free financial advisors?
Some banks provide free access to financial advisors, at least on a limited basis (such as a free consultation or free financial planning meeting). There's usually some cost for getting ongoing financial advice, though. This can depend on the bank, amount invested, or whether you meet the bank's other requirements for free financial planning, such as making direct deposits.
At what income should you consider a financial advisor?
You don't need to make a lot of money to consider a financial advisor. If you have any questions about managing your money or need help creating a comprehensive financial plan, it's worth working with a professional. In fact, if you don't have a lot of money, getting expert advice on what to do with your funds and how to accomplish your goals could be even more important.
Bottom line
If you want to find the best bank account to open that offers access to a financial planner, there are a number of great options worth considering on this list. Check to see if any are right for you so that you can start getting the financial advice you need to make informed choices. Also, make sure that you meet any requirements to access the advisors, such as having a minimum balance at the bank.
Methodology
When choosing the best banks for financial advisors, we reviewed dozens of different banks offering financial planning services. We considered account fees, whether the advisors offered free consultations, and other helpful account features such as ATM access and in-person branches. We focused on quality bank accounts with in-demand services that also provided access to a financial advisor to help with money management.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Earn up to a $3,000 bonus1 <div class="hsbc-premier-q4-2026-terms">
<p><strong>Q4 2026 New Customer Offer Terms and Conditions</strong><br>
Offer valid from September 1, 2026, through and including December 31, 2026 (“Offer Period”). Only New Customers are eligible for this offer.</p>
<p><strong>Definitions:</strong><br>
“<strong>New Customer</strong>” means a customer that does not have a current or past HSBC account in the U.S. on file. Customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.<br>
“<strong>New Money</strong>” means deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HSBC’s discretion.<br>
“<strong>Qualifying Balance</strong>” means the total amount of New Money in consumer deposit and/or eligible investment accounts being held by the New Customer (as “primary” account holder) at a determined timeframe described below. <strong>Consumer accounts/assets that are ineligible for Qualifying Balance</strong>: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA accounts; commercial accounts; and revocable or irrevocable trust accounts.</p>
<p><strong>Terms to Qualify for Cash Bonus:</strong><br>
New Customer must meet each of the following requirements to qualify for the cash bonus:</p>
<ul>
<li>Open a new HSBC Premier checking account (“New Account”) during the Offer Period; AND</li>
<li>Meet a Qualifying Balance of $50,000 or more of New Money in deposit and/or eligible investment accounts within 30 calendar days of opening the New Account; AND</li>
<li>Maintain the required Qualifying Balance for 3 full consecutive calendar months following the New Account opening month. AND</li>
<li>Remain opted-in to receive HSBC marketing emails.</li>
</ul>
<p>For purposes of determining whether the New Customer has maintained the required Qualifying Balance and the associated cash bonus tier, the New Customer’s Qualifying Balance will be reviewed at the end of 3 full consecutive calendar months following the New Account opening month.</p>
<p><strong>Cash Bonus Tier</strong>: The cash bonus amount is tiered and based on the Qualifying Balance, as follows:<br>
Qualifying Balance: Cash Bonus<br>
$50,000-$99,999.99: $1,000<br>
$100,000-$249,999.99: $1,500<br>
$250,000-$499,999.99: $2,000<br>
$500,000+: $3,000<br>
If all offer requirements are met, the cash bonus will be deposited into the New Account within 8 weeks from the date the New Account is fully qualified. “Fully qualified” means all offer requirements have been met, including the 3-month maintenance requirement. <strong>Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.</strong></p>
<p><strong>Important: </strong>The minimum Qualifying Balance of $50,000 required to earn the cash bonus under this offer is less than the $100,000 combined balance requirement to waive the $50 Monthly Maintenance Fee on your HSBC Premier checking account. If you do not meet at least one of the HSBC Premier qualification criteria, you will be charged a $50 Monthly Maintenance Fee regardless of your eligibility for this promotional cash bonus. Please refer to the HSBC Premier Terms and Charges Disclosure for full details on fee waiver requirements.</p>
<p><strong>Additional Terms:</strong></p>
<ul>
<li>Offer is non-transferable and available only to individuals who are at least 18 years of age.</li>
<li>Your New Account must be open and in good standing at time of bonus fulfillment.</li>
<li>All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time without notice.</li>
<li>Eligible New Customers who take advantage of this offer cannot receive any other New Consumer Deposit Offers provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities. <strong>New Assets cannot be applied to meet the requirements of more than one offer, unless the other offer(s) state otherwise.</strong></li>
<li>For joint accounts, the first name on the joint account is considered the new customer for the cash bonus.</li>
<li>If you do not wish to participate in this campaign or if you qualify for this offer and do not want to receive the cash bonus and/or future marketing messages for this campaign, please contact us and reference offer name: Q4’26 New Customer Offer. You can Chat with us 24 hours a day, 7 days a week on the HSBC US Mobile Banking App or at us.hsbc.com/chatwithus. You can call us at 1-888-662-4722 or outside the U.S. or Canada at 716-841-6866 or contact your Wealth Relationship Manager.</li>
</ul>
</div> when you open an HSBC Premier2 <div class="hsbc-premier-qualification-criteria">
<p>To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and meet one of the following requirements. A monthly maintenance fee of $50 will be incurred if at least one of these requirements is not maintained. Refer to your ‘HSBC Premier Terms and Charges Disclosure’ for full details.</p>
<ul>
<li>Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment accounts; OR</li>
<li>Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR</li>
<li>Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included</li>
<li>Consumers who maintain Private Bank status</li>
</ul>
</div> 3 <p>Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.</p> checking account and complete qualifying activities.
Get $1,000: Deposit or invest $50,000 to $99,999; Get $1,500: Deposit or invest $100,000 to $249,999; Get $2,000: Deposit or invest $250,000 to $499,999; Get $3,000: Deposit or invest $500,000+
Manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles.
Our credit cards come with a competitive range of rewards and benefits that complement your lifestyle.
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The FinanceBuzz editorial team strives to provide accurate, in-depth information and reviews to help you, our reader, make financial decisions with confidence. Here's what you can expect from us:
FinanceBuzz makes money when you click the links on our site to some of the products and offers that we mention. These partnerships do not influence our opinions or recommendations.
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