Overview
Honest reviews of the top online banks. We evaluate APY, fees, features, and customer service. Finding the right option depends on your specific needs, spending habits, and financial goals. Below we break down the key factors to consider and the top choices available.
Online Bank Reviews
The most complete online bank on this list — checking, savings, CDs, money market, and auto loans, all with no monthly fees. A genuinely strong all-around choice.
Focused specifically on savings and CDs — no checking account offered, so it works best paired with a separate checking account elsewhere.
Combines strong savings rates with a useful checking account (1% cash back on debit) and widely-praised customer service.
Combines banking with investing and lending in one app, plus a direct-deposit rate boost on savings — appealing if you want everything under one roof.
Frequently Asked Questions
Ally Bank offers the broadest, most complete product lineup with no fees across checking, savings, and CDs — a strong default choice for most people wanting one online bank for everything.
Identically, as long as they're FDIC-insured — deposits are protected up to $250,000 per depositor, the same protection as any brick-and-mortar bank.