Best Banks With Financial Advisors [2025]: Get Help Growing Your Wealth

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.

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.

Financial institution name	Best for …	Key features
SoFi®	All accounts in one place	Monthly fee-free checking and savings accounts Free financial advice
Chase	In-person support	Waivable monthly fees for checking and savings accounts Access to more than 5,000 local branches Free consultation with a J.P. Morgan advisor
Wells Fargo	Younger account holders	Waivable monthly fees for checking and savings accounts Access to more than 5,600 branches Access to advisors with different fee structures
U.S. Bank	Rewards checking	Waivable monthly fees for most checking and savings accounts Access to more than 2,000 branches Financial advisors and bankers who offer help
Charles Schwab Bank	Investors who have a Schwab brokerage account	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®

2025 award winner Best Checking and Savings Combo

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 $300 When You Set Up Direct Deposit

Limited-Time Offer: Earn up to a $300 bonus and up to 4.50% APY on Savings (3.80% APY¹ <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 during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. 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 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement.&nbsp;Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.² <p>Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking &amp; Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member&nbsp;FDIC.</p> FDIC Insured.³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

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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 is monthly-fee free⁶ <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings 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.⁷ <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.³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

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

Chase

4.2

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 $300 as a new Chase checking customer

When you open a new Chase Total Checking® account with qualifying activities.⁸ <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 $500 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 1/21/2026.

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Chase offers several different checking and savings accounts. Each offers all the essential features you expect from a bank, including 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 15,000 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.

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

Wells Fargo

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.

Learn more in our Wells Fargo review

U.S. Bank

2025 award winner Best for Bonuses

4.3

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.

U.S. Bank Smartly® Checking

Earn up to $400

When you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through November 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.

Open Account

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.

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

Charles Schwab Bank

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.

Learn more in our Charles Schwab review

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.

Featured high-yield savings accounts

Investing can be a great way to grow your money, but if you're not sure about investing and want a guaranteed return, check out these high-yield savings accounts.

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.

2025 award winner Best Checking and Savings Combo

SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit

Limited-Time Offer: Earn up to a $300 bonus and up to 4.50% APY on Savings (3.80% APY¹ <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 during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. 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 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement.&nbsp;Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.² <p>Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking &amp; Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member&nbsp;FDIC.</p> FDIC Insured.³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

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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.

2025 award winner Best for Customer Service

American Express® Savings - 3.50% annual percentage yield (APY)¹⁰ <p>The Annual Percentage Yield (APY) as advertised is accurate as of July 23, 2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened.&nbsp;</p>

High Yield Savings Account. No Minimum Required Deposit or Balance.¹¹ <p class="">There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.</p> Terms Apply.

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4.9

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.

Western Alliance Bank High-Yield Savings - 4.25% (as of 09/16/25) APY¹² <p>APY means Annual Percentage Yield. APY is accurate as of 09/16/25. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.</p>

Western Alliance Bank offers a powerful 4.25% (as of 09/16/25) APY¹² <p>APY means Annual Percentage Yield. APY is accurate as of 09/16/25. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $1.00.</p> to help you grow your money. FDIC insured, no fees, $1 minimum deposit.

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FAQs

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.

Reach Your Savings Goals Faster

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.

2025 award winner Best Checking and Savings Combo

SoFi Checking and Savings Benefits

• Limited-Time Offer: Earn up to a $300 bonus and up to 4.50% APY on Savings (3.80% APY¹ <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 during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. 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 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement.&nbsp;Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.² <p>Earn up to 4.50% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY as of 8/5/25) for up to 6 months. Open a new SoFi Checking &amp; Savings account with Eligible Direct Deposit by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member&nbsp;FDIC.</p>
• No account, overdraft, or monthly fees⁶ <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
• Get your paycheck up to two days early⁷ <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>
• Access additional FDIC insurance up to $3 million³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

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.

Open an account with SoFi® here