South: BBVA Compass

Branches: 673 in Alabama, Arizona, California, Colorado, Florida, New Mexico, and Texas

Why it’s a winner: Higher-than-­average yields on premium savings and checking, with easy-to-waive fees and decent outside ATM policies. For low-­balance holders, BBVA Compass offers free checking, and a savings account that lets you skirt fees with a $500 balance or $25 monthly transfer.

Caveats: You can do the same or better on yields with our best big bank.

Standout Accounts:

ClearChoice Premium

  • Maintenance fee: $15
  • Minimum balance to waive fee: $5,000 across checking and money-market accounts
  • ATM fee: $0, and two surcharge reimbursements per month
  • Interest on $2,500: 0.05%

ClearChoice MoneyMarket

  • Maintenance fee: $15
  • Waived with: $25+ fund transfer per month
  • Interest on …
    $2,500: 0.10%
    $10,000: 0.15%
    $25,000: 0.20%

 

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