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Branches: 381 in Arizona, Colorado, Illinois, Indiana, Michigan, Minnesota, South Dakota, and Wisconsin

Why it’s a winner: The rate on higher savings balances bested all banks surveyed. Meanwhile, Premier Checking pays a little interest, with a lower-than-average minimum; and TCF has no-minimum, no-fee checking as well. TCF also had the longest hours of all banks surveyed—73 per week and 18 on the weekend (vs. averages of 50 and 6, respectively).

Caveat: Competitor FirstMerit, which operates in some of the same states, has checking with better perks: $0 ATM fee and 0.10% yield on up to $10,000. But that account has a much higher $5,000 minimum.

Standout Accounts:

TCF Premier Checking

  • Maintenance fee: $15
  • Minimum balance to waive fee: $2,500
  • ATM fee: two free per statement cycle, then $3
  • Interest on $2,500: 0.03%

TCF Premier Money Market

  • Maintenance fee: $10
  • Minimum balance to waive fee: $1,000
  • Interest on …
    $2,500: 0.10%
    $10,000: 1.09%
    $25,000: 1.09%