Best Online Banks of 2024

Online banking is more than a convenience. It’s a way to earn more interest and save money on fees. Plus you can get access to great features like savings buckets, high APYs, cash back opportunities, and electronic transfers.

Choosing the right online bank is a big decision since you often have to meet minimum balance requirements, or may come up against a limit for a high APY. Consider the features you need from an online bank and compare them to this list to see which is right for you.

Best online banks with checking accounts

• SoFi®
• Discover® Bank
• CIT Bank
• Axos
• Ally
• Quontic
• Capital One
• Varo

Best online banks comparison

SoFi

SoFi’s Checking and Savings accounts pay APYs significantly higher than the national rate of 0.43% (as of 11/18/24).³ <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 Direct Deposits received during the Direct Deposit Bonus Period) <b>OR</b> $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="http://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 Direct Deposit can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.00% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% 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 Dec. 3, 2024. There is no minimum balance requirement. 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> What I’m most impressed with is the checking account APY of 0.50% (as of 12/3/24) with direct deposit — that’s hard to come by at any bank. You can also earn up to 4.00% with direct deposit on your savings balances.⁴ <p>SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of Dec. 3, 2024. There is no minimum balance requirement. 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>

There are no monthly fees or minimum balance requirements, and you can earn up to a $300 bonus for setting up direct deposit after opening an account and completing qualifying activities.³ <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 Direct Deposits received during the Direct Deposit Bonus Period) <b>OR</b> $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="http://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 Direct Deposit can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.00% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% 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 Dec. 3, 2024. There is no minimum balance requirement. 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> Plus, if you have direct deposit of at least $1,000, you get up to $50 in overdraft protection at no cost.⁵ <p>Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with direct deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A.&nbsp; The 30-Day Evaluation Period refers to the "Start Date" and "End Date" set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the "30-Day Evaluation Period"). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking &gt; Savings &gt; Current APY or (ii) Banking &gt; Checking &gt; Current APY.&nbsp; Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.<br></p>

While I don’t promote going over your balance, it's a nice feature to have in your back pocket. My favorite feature, though, is the option to set up automatic roundups on debit card purchases for automatic savings.

SoFi also offers a great rewards program just for making smart financial decisions. The app tells you what activities qualify, such as activating your debit card, setting up automatic bill payment, and monitoring your credit, and membership is free. You can redeem points for various SoFi products, such as loans, investment accounts, credit card statement credits, and booking travel through SoFi travel.

SoFi is a Member FDIC. ⁶ <p><b>SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance 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 $2M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/terms">SoFi.com/banking/fdic/terms</a> See list of participating banks at <a href="http://sofi.com/banking/fdic/receivingbanks">SoFi.com/banking/fdic/receivingbanks</a></b></p>

Visit SoFi Checking and Savings | Read our SoFi review

5.0

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

Earn up to 4.00% APY³ <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 Direct Deposits received during the Direct Deposit Bonus Period) <b>OR</b> $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="http://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 Direct Deposit can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.00% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% 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 Dec. 3, 2024. There is no minimum balance requirement. 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> and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits.⁴ <p>SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of Dec. 3, 2024. There is no minimum balance requirement. 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> FDIC Insured.⁶ <p><b>SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance 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 $2M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/terms">SoFi.com/banking/fdic/terms</a> See list of participating banks at <a href="http://sofi.com/banking/fdic/receivingbanks">SoFi.com/banking/fdic/receivingbanks</a></b></p>

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Discover Bank

Discover is more than a popular credit card company. It also offers robust banking products including a cashback checking account, high-yield savings, and long-term CDs.⁸ <p>See <a href="https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf">Deposit Account Agreement</a> for details on transaction eligibility, limitations, and terms.</p> I like to think of the cashback checking account as the equivalent of a checking account paying interest because you can earn up to $30 a month with its 1.00% cash back on up to $3,000 in debit card purchases, which is more interest than most people would earn on a regular basis.⁹ <p>Earn 1% cash back on up to $3,000 in debit card purchases each month. See Deposit Account Agreement for details on transaction eligibility, limitations and terms. Deposit Account Agreement can be found at <a href="https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf">https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf</a>.</p>

However, its savings account offers a competitive APY at 3.75% with no monthly fee or minimum balance requirement.¹⁰ <p>Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of 12/18/24. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.</p> If you open a checking and savings account, you can get the best of both worlds, cash back and interest.

Like most online banks, Discover offers high-yield CDs, but the kicker is that they start at 12 months and require a $2,500 deposit.¹¹ <p>A penalty may be charged for early withdrawal from a CD.</p> They don’t offer 3-, 6-, or 9-month CD options, but they do offer terms from one to ten years, which is great for long-term goals, and the APYs don’t get as low as most other banks with longer-term CDs. Member FDIC.

Visit Discover® Cashback Debit | Read our full Discover review

CIT Bank

CIT Bank is like many other online banks, but they don’t have an ATM network. While that might seem alarming at first, they reimburse customers up to $30 in ATM fees monthly. That leaves plenty of room for ATM use, but if you aren’t big on using them, this could be a good bank for you.

CIT Bank offers a checking account with no fees, three savings accounts which cater to customers with different balances, and term CDs ranging from 18 months to five years. They also offer jumbo CDs which require a $100,000 minimum deposit, but at much lower APYs.

Some of its other notable features include unlimited withdrawals, and easy money transfers through Zelle, Bill Pay, Samsung Pay, and Apple Pay using the checking account and a US-based customer service line for all customers available Monday through Saturday. Member FDIC.

Visit CIT Bank Platinum Savings | Read our CIT Bank savings review

Axos

Most checking accounts today do more than provide check-writing privileges and a debit card. I always look for features like Zelle, opportunities to earn cash back with my debit card, or ways to earn interest, and Axos Bank offers all of those. It has several checking accounts that cater to different types of consumers, and none have a monthly fee. My two favorites are:

• Rewards Checking: Earn 3.30%¹² <p>APY means Annual Percentage Yield. APY is accurate as of June 7, 2024. Interest rate and APY may change after initial deposit depending on the terms of the specific product selected. Minimum opening deposit is $0.</p>
• Cashback Checking: Earn up to 1.0% cash back (up to $2,000 per month)

If you use debit cards frequently, you’ll likely earn more than you would with Rewards Checking, so do the math to determine which would earn you the most.

Axos Bank also offers a high-yield savings and money market account, as well as a First Savings account meant for teens to introduce them to the benefits of saving; however, the APY leaves a little to be desired.

Also, if you have a longer time to save your money, you can also open a 3- to 60-month CD, however, the rates are low compared to other online banks, so you may want to look elsewhere. Member FDIC.

Visit Axos ONE® | Read our Axos review

Ally

Ally Bank offers a suite of banking products including spending, savings, money market, and CDs. Its checking account, which it calls a “spending account,” even earns a little interest. It won’t make you rich, but it’s better than leaving your money sitting without earning interest.

Ally Bank’s savings products are high-yield, helping you reach your financial goals quicker. With no monthly fees and mobile deposit capabilities, it’s easy to deposit money into your savings or money market accounts and earn interest daily. If you prefer to tie up your money a little longer, it offers some of the highest yields on CDs with options ranging from three months to five years.

What I love the most about Ally’s checking and savings accounts is the “buckets” they include. Think of them like subaccounts for either checking or savings. The spending buckets prevent you from spending funds saved for future expenses, and the savings buckets help you save for individual goals, such as a down payment on a house, vacation, and emergency fund. Member FDIC.

Visit Ally

Quontic

Quontic isn’t as well known as the other banks on the list, but they have a lot to offer including two ways to earn rewards for checking account customers. You can either earn up to 1.10% (as of 12/12/24) APY with its High Interest Checking on your balances or earn 1.0% cash back on all debit card purchases with its Cash Rewards Checking.

If you’re also looking for somewhere safe to grow your savings, its High Yield Savings account earns 4.00% (as of 11/19/24) APY and only requires a $100 opening deposit. They also offer a Money Market Account that offers the best of both worlds. You earn a 4.75% (as of 11/19/24) APY, but also get a debit card and check writing privileges with only a $100 opening deposit.

Quontic also offers CDs from three months to five years with high interest rates, giving you the chance to put money away for longer term goals.

Visit Quontic Bank | Read our Quontic Bank review

Move your money to this little-known (but highly powerful) account ASAP

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Capital One

Capital One is a personal favorite, as I’ve used both the checking and savings accounts for years. The checking account is truly fee-free, and applying for an account takes just minutes. You can even earn a little interest on your checking account balance with the 0.10% (as of 10/28/24), while the 360 Performance Savings account earns a much higher 4.00% (as of 10/28/24).

Other notable accounts include the Kids Savings account and MONEY Teen checking, both which help kids learn to manage money with parental supervision. For those longer term goals, Capital One offers three CD options with no minimum balance requirement, each of which are high-yield:

• 11-month
• 2-year
• 5-year

Where Capital One really shines, though, is in its mobile app. You can use it to seamlessly manage your checking, savings, and credit cards all in one place. You can even check your credit score through CreditWise by downloading the CreditWise app.

Visit Capital One | Read our Capital One review

Varo

Varo offers a checking account with no monthly maintenance fees or minimum balance requirements. It also comes with the option to earn cashback rewards on your debit card purchases. You can earn up to 6% cash back when you spend at retailers like Kohl’s, Fanatics, McDonalds, and more. You can also earn cash back if you decide to get a Varo Believe secured credit card.

If you have money to save, Varo offers a healthy 5.00% (as of 12/11/24) APY on up to $5,000, so I wouldn’t suggest it if you have a large amount of money to save, but it can be good for smaller amounts. Plus, if you have a checking and savings account with Varo, they can round up your purchases to the nearest dollar and transfer the spare change to your savings account. It adds up faster than you think.

Plus, Varo solves the cash deposit problem that most online-only checking accounts face. You can deposit cash at 90,000+ retail locations by using Green Dot Reload, for a fee.

Read our full Varo review

Online banking pros and cons

Online banking offers many benefits including higher APYs, lower fees, and seamless money management 24/7 with a mobile app. But all of this comes with a tradeoff because you don’t have access to physical branches, which for some people can be a downside.

When deciding if online banking is right for you, ask yourself if you’re comfortable handling your transactions yourself or with phone support, and if you need to deposit cash often. Those are the two largest downsides of banking online.

I suggest having the best of both worlds, keeping an account at a brick-and-mortar location and also taking advantage of one of the best online banks and their many features.

Featured High Yield Savings Accounts

4.8

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 4.75% APY

Earn up to 4.75% APY¹³ <p>LevelUp Rate of 4.75% Annual Percentage Yield (“APY”) is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate of 3.75% APY. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. </p> <p>An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. For example, if you open in August, the first Evaluation Period would be October with any rate change effective in November. Any rate changes will take place on the second business day and will be based on deposits in the previous statement cycle. </p> <p>APY accurate as of 11/25/2024. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. Fees may reduce earnings. $0 minimum opening deposit.</p> when you open a new LevelUp Savings account and deposit $250+ per month. Member FDIC.

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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.

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

Earn up to 4.00% APY³ <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 Direct Deposits received during the Direct Deposit Bonus Period) <b>OR</b> $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="http://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 Direct Deposit can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.00% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% 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 Dec. 3, 2024. There is no minimum balance requirement. 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> and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits.⁴ <p>SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of Dec. 3, 2024. There is no minimum balance requirement. 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> FDIC Insured.⁶ <p><b>SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance 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 $2M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/terms">SoFi.com/banking/fdic/terms</a> See list of participating banks at <a href="http://sofi.com/banking/fdic/receivingbanks">SoFi.com/banking/fdic/receivingbanks</a></b></p>

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How to choose the best online bank account

Choosing the best checking account or the best savings account might not seem like a big deal, but it can save you money on fees, and help you earn more interest. When trying to decide where to open a new account, consider the following:

• Fees: Look carefully at the fees charged by an online bank. Consider overdraft fees, account maintenance fees, and ATM fees, as they can add up quickly. Also, check for any other fees charged by the bank, such as foreign transaction fees and fees for accessing money from external accounts.
• Minimums to open and maintain an account: Be sure to check the minimum amount needed to open an account, as well as the amount needed to maintain it. You should determine whether there are penalties for falling below the minimum.
• Types of products: Online banks offer a variety of account types and products, so research the accounts offered by each bank you are considering. Gauge whether the various accounts meet your needs and savings goals. For example, some checking accounts focus more on rewards, while others focus on low fees.
• Interest rates: Compare the interest rates offered by different online banks. The higher the interest rate, the more money you’ll earn on your balance.
• ATM Access: Make sure the bank has enough ATM access in your area to meet your needs. Additionally, check to see if your preferred accounts offer ATM rebates.
• Mobile check deposits: If you’re frequently paid by check, you’ll need an account that allows mobile check deposits.

FAQs

Banks that didn’t make our list

Not all online bank accounts made the list. Here are a few others you may want to consider:

• American Express: Only current American Express cardholders are eligible for the American Express bank account. If you’re eligible, it doesn’t come with any fees or monthly minimum requirements, plus you earn Membership Rewards when you use your debit card.
• Charles Schwab: If you use Charles Schwab for your investment account, you may be eligible for a Charles Schwab checking or savings account. There are no monthly service fees and you can earn a small interest rate on your savings.

Bottom line

The online banking industry has come a long way in providing customers with safety, convenience, and competitive rates. Whether you’re seeking a complete personal finance hub or a reliable checking account, selecting an online bank can help you achieve your financial goals as long as you don’t mind not having a physical location to visit (in most cases).

With so many options available, it can be difficult to decide on the best bank to meet your needs. To narrow down your search, consider which factors are most important to you, such as fees, interest rates, and customer service.

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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.

High APY of up to 4.00%⁴ <p>SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of Dec. 3, 2024. There is no minimum balance requirement. 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 direct deposit

Paycheck access up to 2 days early

No monthly maintenance or overdraft fees¹ <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>

Streamlined savings and savings goals with Vaults

Access to a large ATM network² <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 incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.</p>