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Published: Feb 06, 2024 23 min read
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Our Partner
Company Highlight
TOP PARTNER
Our Partner

Savings Account with up to 4.60% APY* (see website for details)

  • Cash Bonus up to $300 with direct deposit set up (Terms apply)
  • No monthly fees 
  • Up to 2-day-early paycheck
  • Up to $2M of additional FDIC insurance through a network of participating banks


*Rate as of 12/26/2023

Our Partner

Earn 4.30% APY* with a Discover Savings Account 

  • Earn over five times the national average with a high-yield savings account
  • No minimum opening deposit
  • No monthly fees
  • No overdraft fees
  • FDIC insured

*Rate as of 2/12/2024

Our Partner

Earn 5.05% APY* with CIT's Platinum Savings Account

  • With $5,000 min. balance for APY

  • Get started with as little as $100
  • No account opening or monthly service fees
  • FDIC insured


*Rate as of 12/26/2023

Our Partner

Earn 5.05% APY* with Valley Bank’s Savings Account

  • $1 min. required to open
  • No monthly account fees
  • 24/7 online and mobile access
  • FDIC insured


*Rate as of 1/16/2024

Our Partner

Earn 5.15% APY*

  • No more hidden fees - we keep banking hassle-free.

  • Enjoy free monthly maintenance
  • Watch your savings grow with daily compounded interest.
  • Deposit anytime, anywhere with unlimited mobile check deposits.
  • Deposits are FDIC-insured up to $250,000

    *Rates current as of 12/01/2023

*All information provided here is accurate as of February 21, 2024. We update rates on a weekly basis. However, APYs and other account information is subject to change.

The best savings accounts offer high annual percentage yields (APYs), have low minimum balance requirements and charge few to no fees. Financial institutions should also offer reliable and widely accessible customer service.

The products on our list offer annual percentage yields of up to 5.32%. Read on to see our picks for the best savings accounts for 2024.

Money’s Main Takeaways

  • Raisin, our pick for Best Marketplace, offers the highest APY on our list at 5.32%
  • Bread Savings offers a fee-free account with 5.15% APY
  • The best savings account for ATM withdrawals is Synchrony Bank (4.75% APY)
  • Discover Bank (4.30%) is the best option for 24/7 customer service

Why Trust Us?

Our editors and writers review savings products of all kinds, including traditional savings accounts and high-yield savings accounts. We analyze and compare the offerings of financial institutions based on 12 key evaluation points. Read our full methodology to learn more.

  • We analyze 50+ banks, credit unions, online banks and fintech companies.
  • Twelve evaluation points, including APY, account fees, customer satisfaction, privacy and security, are scrutinized.
  • Thousands of hours of cumulative research is involved.
  • All financial institutions on our list are FDIC- or NCUA-insured.

Our Top Picks for the 10 Best Savings Accounts of 2024

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Best Savings Account Reviews


Pros
  • No monthly maintenance fee
  • Mobile check deposit
  • Unlimited transfers to external accounts
Cons
  • A $100 opening deposit may be too high for some customers
  • No ATM card available
HIGHLIGHTS
APY
5.15%
Minimum opening deposit
$100
Other fees
$25 per outgoing wire transfer / $15 per official check request / $5 per paper statement request

Why we chose it: Bread Savings has one of the highest APYs on our list. The online bank charges no fees, has a mobile check deposit option and allows unlimited transfers.

Bread Financial offers a high-yield savings account with a strong APY, which requires a minimum opening deposit of $100. You can fund your account through electronic transfers or mobile check deposits in the Bread Financial app.

After funding, Bread Savings has no ongoing minimum balance requirement or monthly fees. The bank also doesn’t charge overdraft fees, and there are no restrictions on the number of transfers to external bank accounts.


Pros
  • No monthly fees on savings or CD accounts
  • Competitive APYs on CDs with a variety of term lengths
  • No minimum deposit requirement for savings or CDs
Cons
  • No ATM access
  • Savings account APY is slightly lower than other companies on our list
HIGHLIGHTS
APY
4.35%
Minimum opening deposit
None
Other fees
No monthly maintenance fees / No limit to the number of withdrawals and transfers

Why we chose it: Barclays offers competitive rates for its savings account and certificates of deposit (CDs). Additionally, there are no fees or minimum deposit requirements for either product.

Barclays Online Savings offers a strong APY, and the online bank offers an even higher APY on its CDs. Its CDs come with terms of either 12, 18, 24, 36, 48 or 60 months. If you’re looking to incorporate a CD alongside your savings account, Barclays is a solid choice.

There are no monthly fees or minimum balance requirements with either Barclays Online Savings or its CDs. You can fund your savings account using mobile check deposit or online transfer from an external bank account. However, CDs can only be funded via online transfer.

Read our full review of Barclays Online Savings accounts here.


Pros
  • Savings "buckets" make it easy to visualize and keep track of savings goals
  • No minimum deposit required
  • 24/7 customer support
  • Mobile check deposit available
  • No fees for overdrafts, incoming wires or cashier’s checks
Cons
  • No ATM access for online savings account (you can still use ATMs without a fee)
  • No brick and mortar locations
  • Withdrawals are limited to 10 per statement cycle
HIGHLIGHTS
APY
4.35%
Minimum deposit requirements
None
Other fees
Returned deposit item $7.50 / Excessive transactions fee $10 per transaction / Expedited delivery $15 / Outgoing domestic wires $20

Why we chose it: Ally Bank offers innovative savings tools, such as “buckets” and “boosters,” which are integrated into its mobile app.

Ally Bank’s online savings account not only offers a competitive APY, but also stands out with its smart saving tools. The digital buckets, known as saving buckets, allow you to divide your savings into up to 10 different categories.

Additionally, Ally Bank offers automated savings tools called boosters that feature:

  • Recurring transfers: Schedule recurring transfers from your checking account.
  • Round ups: Ally automatically rounds up eligible transactions to the nearest dollar, then automatically transfers these amounts to your savings in increments of $5 or more.
  • Surprise savings: Ally analyzes your checking account monthly for funds considered "safe to save" and automatically transfers those funds to your savings account.

Note that you can opt in or out of these automated boosters at any time.

Read our full review of Ally Bank savings accounts here.


Pros
  • Includes debit card for ATM withdrawals and purchases
  • No monthly limit on number of ATM transactions
  • No minimum deposit requirement or monthly fees
  • Virtual savings goal calculator
Cons
  • Only $5 in ATM fee reimbursements per statement cycle
  • $1,000 daily ATM withdrawal limit
  • $500 daily point-of-sale transaction limit
  • Limit of six transfers to external accounts per month
HIGHLIGHTS
APY
4.75%
Minimum deposit requirements
None
Other fees
Surcharges from out-of-network ATMs (refunded up to $5 per month)

Why we chose it: Synchrony Bank is one of the few banks that includes an ATM card with its online savings account.

You can use your Synchrony ATM withdrawals for free at in-network ATMs (Plus or Accel) or for a fee at out-of-network ATMs. You may also be able to use your ATM card fee-free at businesses that accept pin-based ATM cards.

Note that Synchrony only reimburses up to $5 in ATM fees per statement cycle. Additionally, there is a limit of $1,000 in ATM withdrawals per day.

Read our full of review of Synchrony online savings accounts here.


Pros
  • Widest variety of CDs on this list
  • Offers custodial accounts for minors
  • No minimum balance requirements for active accounts
Cons
  • $100 deposit to open
  • No ATM withdrawal
HIGHLIGHTS
APY
5.05% (Platinum Savings)
Minimum deposit requirements
$5,000
Other fees
$10 return deposit item fee / $10 outgoing wire transfer fee for accounts with less than $25,000

Why we chose it: CIT Bank offers a competitive APY on balances of $5,000 and up.

CIT Bank charges no monthly fees and has no limits on how many transfers you can make out of your Platinum Savings account. A $5,000 deposit is required to open the account. Note that while there is no ongoing minimum balance requirement, only balances of $5,000 and up earn the highest available APY.

CIT Bank also offers the Savings Connect account, which has a slightly lower APY but requires only $100 to open. Like Platinum Savings, this account also features no monthly fees and no overdraft charges.

Read our full review of CIT Bank savings accounts here.


Pros
  • Customer service reps available by phone 24/7
  • Ranks number one in J.D. Power’s 2023 Direct Banking Satisfaction Study
  • No maintenance fees or minimum balance requirements
Cons
  • No ATM card
  • Withdrawals limited to six per cycle
HIGHLIGHTS
APY
4.30%
Minimum deposit requirements
None
Other fees
$30 per outgoing wire transfer

Why we chose it: Discover consistently ranks high in customer satisfaction and offers 24/7 customer service by phone.

Discover Bank, which earned the top spot for overall satisfaction in J.D. Power’s 2023 Direct Banking Satisfaction Study, offers 24/7 customer service. Unlike many other banks we evaluated, Discover Bank representatives are available to assist customers any time of day, any day of the week — even on holidays.

In terms of withdrawals, online transfers are limited to six per cycle. Discover may refuse to pay transfers in excess of this amount. Discover could also close your account if you exceed the limit on a regular basis. Note, however, that there is no limit on how many withdrawals you can make by phone. (An official bank check will be mailed to you.)

There are no monthly fees with a Discover Bank savings account. Additionally, Discover does not charge for overdrafts.

Read our full review of Discover savings accounts here.


Capital One made our list because it offers a Kid’s Savings Account that doesn’t require a minimum balance and has no monthly fees.

Pros
  • No minimum required deposit
  • No account maintenance fees
  • No excess withdrawal fees
Cons
  • No money market accounts offered
  • No IRAs offered
  • You can't withdraw funds from the 360 Performance Savings account at an ATM
HIGHLIGHTS
APY
2.50%
Minimum deposit requirements
None
Other fees
No monthly or maintenance fees

Why we chose it: Capital One offers a custodial account with no monthly fees and no minimum deposit. Parents and guardians can link this account to their own to help manage finances.

Parents and guardians of children eight years and older can open a Teen Checking Account with Capital One. This account comes with a debit card, granting them more autonomy. You can set up automated deposits to encourage savings growth.

Lastly, guardians can link all Capital One accounts to their own Capital One mobile app profile to oversee finances.


Pros
  • Compare savings accounts from over 50 different credit unions and banks
  • No monthly fees on any accounts offered so long as you satisfy account requirements
  • You can add additional savings products to your Raisin account to get the most out of your funds
Cons
  • Must register with Raisin for access to all savings products
  • Account requirements (e.g., minimum opening deposit) and features vary widely across financial institutions
HIGHLIGHTS
APY
5.32%
Minimum deposit requirements
None
Other fees
Varies by bank

Why we chose it: Raisin partners with over 50 financial institutions to offer a variety of savings products with competitive APYs.

Raisin is an online marketplace where you can comparison shop high-yield savings accounts from more than member FDIC or NCUA banks and credit unions, including Liberty Savings Bank, Quontic Bank, Sallie Mae and Western Alliance Bank.

You can search for accounts based on specific characteristics (e.g. credit union, minority-led, charitable companies, digital first) as well as APY and the amount you plan to deposit.

Furthermore, once you’ve signed up, you can add additional accounts from other partner banks and manage them all at once through your Raisin account.


Pros
  • Same-day transfers of up to $100,000 (inbound and outbound)
  • No monthly fees or minimum deposit requirement
  • Combine with Marcus Invest for more returns on your money
Cons
  • No ATM access for savings account
  • No mobile check deposits
HIGHLIGHTS
APY
4.50%
Minimum deposit requirements
None
Other fees
None

Why we chose it: Marcus by Goldman Sachs is our choice for the best savings account to pair with an investment portfolio because of its competitive APY and guided investment help.

Marcus by Goldman Sachs offers a solid savings account: no fees, competitive APY and no minimum opening deposit requirement.

Additionally, if you’re looking to invest, Marcus Invest is a strong option for beginners; at sign-up, you answer simple questions to shape a portfolio that’s best for your needs. The opening requirement is only $5 for either an individual investment account, joint investment account or individual retirement account (IRA).

Read our full review of Marcus by Goldman Sachs savings accounts here.


Pros
  • Signup bonus of up to $300
  • Multiple savings tools, including Vaults for individual savings goals
  • Get paid up to two days early with direct deposit to checking account
  • Checking account also earns interest
Cons
  • Must set up direct deposit to SoFi checking account to qualify for highest APY and signup bonus
HIGHLIGHTS
APY
4.60% (savings) 0.50% (checking)
Minimum deposit requirements
None
Other fees
None

Why we chose it: SoFi offers a strong savings APY and cash-back opportunities from debit card purchases, plus a signup bonus of up to $300.

SoFi is an ideal choice for people looking to host their savings and checking accounts within the same bank. Its savings account offers a competitive APY, as well as several savings tools, such as automated round-ups. (SoFi automatically rounds up your debit card purchases to the nearest dollar and deposits the change into your savings account.)

Additionally, the SoFi checking account — which earns interest as well — offers up to 15% cash back on purchases made with eligible local businesses.

Furthermore, new SoFi customers can receive up to $300 as a signup bonus. To get the full amount, you must receive direct deposits totaling at least $5,000 during the qualifying period, which starts the day you receive your first direct deposit and ends 25 days later. Direct deposits of at least $1,000 but less than $5,000 qualify for a $50 bonus.

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Savings Accounts Guide

A savings account with a good rate of return is an excellent way to make your money grow — whether you’re building an emergency fund, saving for that dream vacation or making sure you have a good financial cushion for the future. However, there are more savings products than just a traditional savings account, and these can be useful for different goals.

Read on to learn more about savings accounts and how they compare to the other types of account options.

What is a savings account?

A savings account is a deposit account that generates interest on your funds that you deposit. Unlike interest-bearing checking accounts, the interest rates on savings accounts are typically much higher.

Savings accounts are often used for short-term and medium-term savings goals. This is because they have higher interest rates than checking accounts, but lower rates than other financial products, such as certificates of deposit (CDs).

Traditional savings account vs. high-yield savings account

Traditional savings accounts and high-yield savings accounts are very similar in their general purpose and features, but they do have some notable differences: A high-yield savings account is a savings account that offers higher annual percentage yields (APYs) than other types of savings accounts. While APYs fluctuate depending on the federal funds rate set by the Federal Reserve, HYSA interest rates are consistently the highest on the market.

Traditional savings account

High-yield savings account

APY is often closer to the national average rate as reported by the FDIC

APY is often considerably higher than the national average savings account rate (sometimes 8 to 20 times higher)

May be offered by a brick-and-mortar bank, but also online banks 

Almost always an online-only product

May allow you to withdraw funds from an ATM

Rarely allows for ATM withdrawals, instead relies on electronic transfers

May be limited to six withdrawals per month

May be limited to six withdrawals per month

Why have a savings account?

Savings accounts are a great way of setting money aside that will grow thanks to interest. You could use savings for an emergency fund or for larger savings goals, such as a down payment on a car or home loan.

Pros
  • Can be opened in just a few minutes online
  • Higher interest rate than a checking account
  • Limited access to funds helps to build savings
Cons
  • May offer lower annual percentage yields than certificates of deposit and high-yield savings
  • For accounts that offer ATM access, you may be tempted to withdraw often, which will limit your savings growth
  • Interest earnings are considered taxable income

How to choose a savings account

The most important factor when choosing a savings account should be a high APY. This ensures that your savings get a small monthly boost.

But there are also other factors to consider, including:

  • Minimal (or no) maintenance fees
  • No additional fees (such as ATM fees, overdraft fees or ACH fees)
  • No minimum balance requirements
  • 24/7 customer service
  • Easy transferring if funds in and out of your account
  • Solid mobile banking app with mobile check deposit

How to open a savings account

What do you need to open a savings account?

Types of savings accounts

“Savings accounts” refers to what is considered a traditional savings account, with comparatively low interest rates but greater flexibility in how you can access your money. Most financial institutions offer different types of savings accounts with a variety of features.

Traditional savings account

A traditional savings account earns interest on the funds in your account. The APY can vary greatly across financial institutions. Some offer very low APYs (e.g., 0.50%) while others may offer closer to 5.00% APY.

Withdrawals from your savings account may be limited to six per month. However, the best banks provide an ATM card which allows for cash withdrawals at ATMs, and these specific transactions are often unlimited.

High-yield savings account

High-yield savings accounts (HYSAs) work like a traditional savings account, but feature interest rates up to 20 times higher (sometimes even more). HYSAs are mostly online-only products that aren’t offered at local branches. Because they don’t maintain physical locations, they’re able to pass along those savings to customers in the form of higher APYs.

They also often offer fewer ways to access your funds, which might make it easier to build your savings. Note that the APYs on these accounts fluctuate depending on the rates set by the Federal Reserve, (also known as the Fed).

To learn more about HYSAs, see our list of the best high-yield savings accounts.

Money market accounts

Money market accounts (MMAs) offer interest rates on par with high-yield savings accounts, and often allow for the use of debit cards and checks. However, many MMAs have a minimum balance requirement that triggers a monthly fee if not met.

Like other savings accounts, withdrawals may be limited to six per month, not counting ATM transactions. Much like high-yield savings accounts, the interest rate on MMAs is variable and may change without notice.

To learn more about MMAs, read our list of the best money market accounts.

Certificates of deposit (CDs)

Certificates of deposit (CDs) are a type of deposit account through which you save money for a set period of time (term length) at a high, fixed (not variable) interest rate. During the term, which can be as short as three months or as long as several years (usually no more than 10), you should not withdraw your funds.

If you withdraw your funds before the term ends, you’ll be charged a penalty fee. These penalties depend on the CD’s term and typically entail the forfeiture of 60, 90 or 120 days of interest. However, it should be noted that some banks and credit unions offer no-penalty CDs.

To learn more about CDs, check out our list of the best CD rates.

Specialty savings accounts

There are several other savings accounts that can be set up for specific savings goals. For example, some can be used as a savings fund for a dependent while others can be set up specifically to save for healthcare expenses.

Specialty savings account include:

Many of these accounts have tax benefits which allow you to save even more money in the long run. For example, a Roth IRA allows you to withdraw your savings tax-free, provided you meet the requirements, while an HSA lets you contribute money on a pre-tax basis for healthcare expenses.

Note that in the case of the HSA, you can only have this type of account if you have what is known as a high-deductible health plan.

What's the difference between a savings account, a money market account and a certificate of deposit (CD)?

Although all three of these accounts are designed with savings in mind, there are some very notable differences between a savings account, a money market account and a certificate of deposit:

Traditional savings accounts

Money market accounts

Certificates of deposit

Low initial deposits ($0-$50)

Slightly larger initial deposits ($25-$100)

Largest initial deposits (can be as high as $1,500)

May not require a minimum balance

Minimum deposit may be required (e.g., $100, 500 or $1,000)

No minimum balance or deposit required

Variable interest rates that can go up or down over time

Variable interest rates may be tiered according to account balance

Fixed interest rates over set period of time (with some exceptions)

Low to high interest rates depending on financial institution

Typically high interest rates

High interest rates that increase with term length

How to calculate interest on a savings account

There are two types of savings account interest: simple and compound. Simple interest is the amount you earn from the principal balance on your account — this is the amount you deposit. In contrast, compound interest is what you earn from your principal balance and the interest you have accumulated.

For example, if you deposit $5,000 into an account with 3% simple interest and don't touch the account for five years, in the end you will have $5,750. Those same $5,000 in an account for five years with 3% compounded interest will earn you $5,808.

This $58 dollar difference happens because, with compound interest, the bank calculates how much interest to pay you on a monthly (or daily) basis using the total account balance.

Savings Account Glossary

Savings accounts (and financial products in general) have some frequently used terms that are not always clearly explained to consumers. Here are some of the most common ones, all explained in the context of a saving account:

Term

Definition

Annual percentage yield (APY)

APY is how much you’ll earn from account funds after one year. This rate includes the effects of compound interest, i.e. earning “interest on your interest.”

Interest

Interest is what the bank pays you. Some banks calculate interest on your daily balance, while others calculate it based on your balance at the end of a month. Most bank accounts pay out interest at the start of a new month or statement cycle.

Interest rate

This is the amount that the bank pays on your principal balance, typically expressed as a percentage. 

Compound interest

Compound interest is the interest you earn on the principal amount plus the amount you’ve earned from interest. For example, if you deposit $1,000 and make $10 in interest in a month, the next time interest is applied, it will be to the total amount of $1,010, which includes the interest accumulated over the previous month.

Maintenance fee or monthly fee

Some banks charge their customers an account maintenance or service fee. The ones that do may offer different ways to have them waived, such as a minimum amount of direct deposits each month.

Savings Accounts FAQs

What is the best savings account?

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The best savings account is one that has a high APY, low to no maintenance fees and is insured by either the FDIC or NCUA, depending on the type of financial institution where it is held. Additionally, the best savings accounts offer tools that can help you stay on target with your savings goals while still allowing easy access to funds in case of an emergency.

What is a good savings account interest rate?

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A good way to compare whether your savings account’s interest rate is competitive is to regularly check our lists of the best savings accounts and the best high-yield savings accounts. You can also compare interest rates against the latest reports on national interest rates and rate caps via the Federal Deposit Insurance Company (FDIC) website.

How does a savings account work?

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A savings account works as follows: You deposit funds and those funds earn interest at a rate determined by the financial institution in question. Interest may be calculated daily, weekly or monthly, although daily is most common. Banks typically credit this interest once per month.

How to open a savings account for a child

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Opening a savings account for a child is as simple as opening one for an adult — in addition to requirements listed above, the other information you'll need to provide is your child's. A savings account not only provides funds for your child, but can also help them learn the basics of personal finance.

How much interest does a savings account earn?

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The interest you earn with a savings account varies by financial institution. Some savings accounts are offering low annual percentage yields, while others are on par with the rates of high-yield savings accounts.

How many savings accounts should you have?

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The number of savings accounts you should have will depend on the funds you have available. All of the financial institutions on our list are member FDIC or NCUA, meaning your funds are insured up to $250,000.

If your balance exceeds $250,000, you may want to consider an additional savings account. You may also want a separate savings account for a specific purpose, such as an emergency fund, or to take advantage of a higher interest rate offered by another bank.

How We Chose the Best Savings Accounts

Our methodology for selecting the best savings account is based on several key points, including:

  • Access to funds: We considered access to funds in analyzing savings accounts to provide detailed information about how (and how often) customers can make withdrawals.
  • Account fees: We searched for savings accounts with zero monthly fees.
  • Annual percentage yield (APY): We reviewed accounts for consistently strong APYs.
  • Customer service: Financial institutions must have strong reputations for excellent customer service. We analyzed customer feedback across multiple third-party review sites, as well as J.D. Power’s 2023 Direct Banking Satisfaction Survey.
  • Financial standing: Your financial institution should have a good financial rating from a reputable credit rating agency. We analyzed reports from S&P Global Ratings, Moody’s and Fitch Group.
  • Fraud protection: We looked for financial institutions that provide help with identifying fraud, including tips for spotting identity theft and financial scams. We also analyzed fraud protection policies for guarantees that customers will not be held liable for unauthorized transactions.
  • Minimum deposit requirement: We considered accounts with minimum deposit requirements and included these only when merited through benefits to account holders.
  • Member FDIC or NCUA: We require that all financial institutions on our list are insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA), which guarantees deposits up to $250,000 per depositor, per ownership category, per FDIC-insured institution.
  • Mobile app: We assessed the ease of use as well as ratings of the mobile apps of each financial institution.
  • Privacy: Financial companies often share your personal information so that you can use their products effectively. Details about information sharing should be clearly stated in a financial institution’s privacy policy. However, customers should be given the choice to opt out of sharing their personal information with third parties, as per federal law.
  • Security: We analyzed banking site and mobile app security measures, such as end-to-end data encryption, multi-factor authentication and biometric login options.
  • Transparency: Financial institutions should be upfront about fees, interest rates and other terms and conditions.

Comparison to other banks and financial institutions

To best evaluate the quality of a savings account, we researched and compared accounts across a multitude of banks and financial institutions, including Alliant Credit Union, American Express National Bank, Apple Savings account, Axos, Bank of America, Bask Bank, Blue Federal Credit Union, BluPeak Credit Union, BMO Alto, Bread Savings, Chase Savings, CIBC U.S., CIT Bank Savings Builder, Citi Bank, Citizens Bank, Emigrant Bank, Everbank (formerly TIAA Bank), First Citizens Bank, First Foundation Bank, First Internet Bank, FNBO, Ivy Bank, Jovia Financial Credit Union, Laurel Road, LendingClub, My Banking Direct, My Savings Direct, Nationwide, Newtek Bank, North American Savings Bank, PayPal Savings, Pentagon Federal Credit Union (PenFed), Popular Direct, Primis, RBMAX by Republic Bank, Quontic Bank, Regions Bank, Sallie Mae Bank, Salem Five,TotalDirect Bank, UFB Direct, U.S. Bank, USAA Bank, Valley Direct Savings, Varo Bank, Vio Bank, Wealthfront, Wells Fargo and Western State Bank.

Our Top Picks for the 10 Best Savings Accounts of 2024