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California: OneWest Bank

Published: Oct 24, 2016

WHY IT WINS: It’s easy to escape paying fees with OneWest Bank, and rates on multiple accounts beat brick-and-mortar averages. It doesn’t charge outside ATM fees and reimburses some ATM surcharges. And its Green Savings pays 0.4% on a $100 minimum.

CAVEAT: OneWest’s iOS and Android apps score only an average of 2.7 (out of five stars), below many other winners.

BRANCHES: 70 in California.

standout checking:

Premium Checking
• Maintenance fee: $10, waived with a $1,000 monthly balance.
• Outside ATM fee: $0, and reimburses up to $20 a month in other ATM surcharges if you maintain an average $5,000 balance.
• Interest: 0.1% on balances below $25,000.