We analyze online bank accounts in the U.S. to uncover which have the best earnings, benefits, and the lowest fees. Learn more about our methodology here. Bank awards methodology | Previous Award Winners

Best Online Banks

Online banks are known for being high on earnings and low on fees, thanks in part to their low overhead. But sometimes not having a branch to go to might seem inconvenient. That’s why we’re always on the lookout for the online banks that give you the best of both worlds: the benefits of low overhead and the convenience of physical bank branches. See our winners are for this quarter below:

Radius Bank

A MyBankTracker Rating

High yield checking. Free ATM access worldwide.

Best Feature: Hybrid account for checking and savings

Radius Bank is one of the newer online banks that impresses us with its outstanding hybrid account that combines the convenience of a checking account and the interest rate of a high-yield savings account. The online bank also has other accounts with great features, including no monthly fees on checking accounts, high interest rates, and unlimited ATM fee rebates.

Best National Banks

National banks can be some of the most convenient banks out there since they typically have a large presence throughout the country. But which national banks are the most trustworthy - and which offer the best services? We evaluate each national bank for health, benefits, and fees to find out who has the most to offer. See our winners for this quarter below:

Chase Bank

B MyBankTracker Rating

More than 5,300 branches and 15,000 ATMs. Financially Strong. Focused on innovation.

Best Feature: Chase Sapphire Reserve Credit Card

Chase Bank is the big winner in the best national bank category. Chase continues to stand out because of its full range of deposit accounts, lucrative credit cards, and extensive financial services and investment offerings. The Chase Sapphire Reserve credit card is arguably the most popular travel rewards credit card right now. When it comes to convenience, Chase has a large branch and ATM network, highly rated customer service, and an intuitive mobile app. Recently, Chase also introduced a new program that offers free credit scores to anyone.

Best Regional Banks

If you’re looking for the convenience of a national bank with the more personalized service of a credit union, regional banks could be a great choice for you. We sort through the top banks for each region to help you see which one might be the best for you. See our winners for this quarter below.

Popular Community Bank

B MyBankTracker Rating

Regional bank that still offers free checking and pushes new tech

Best Feature: Free checking account with widespread ATM access

Popular Community Bank wins as one of the best banks in the Northeast. Primarily, the bank shines because of its low-cost accounts, competitive interest rates, and its convenience. It’s also one of the few midsized banks in the region to offer a completely-free checking account. Through its online division, Popular Direct, you have access to very competitive rates on savings and CD accounts. Also, customers can access the Allpoint ATM network, which has more than surcharge-free 55,000 ATMs. Most recently, Popular introduced cardless ATM withdrawals through its mobile apps (just scan the QR code).

Arvest Bank

B+ MyBankTracker Rating

Many branches. Longer branch hours. High levels of transparency.

Best Feature: Branches are open for extended hours

Arvest Bank lives by its customer-focused philosophy. Most Arvest Bank branches are open for 12 hours on weekdays and many locations are also open on Saturdays. This will be handy for busy people who cannot visit the bank during typical work hours. With this convenience, you also get access to a variety of checking accounts, including one without a monthly fee. Some accounts also come with Family IDProtect, an identity theft resolution and credit monitoring service.

Umpqua Bank

B MyBankTracker Rating

Low fees. Large amount of branches with longer hours. Digital banking features.

Best Feature: ATM refunds on its low-cost basic checking account

Umpqua Bank is a great choice thanks to its low-cost checking account and ATM refunds. Besides that, it provides a comprehensive suite of accounts and services along with a large branch network in the West. Umpqua also offers a great cash back credit card for big spenders on gas and groceries, two of the most common daily expenses.

Huntington Bank

B+ MyBankTracker Rating

Competitive rewards. Long hours. Extensive product offerings.

Best Feature: Extra business day to avoid overdraft fees

Huntington Bank is a top bank in the Midwest because of its well-rounded list of great products and services, large physical presence, and intuitive mobile apps. Two noteworthy products include a free checking account and a credit card that lets you choose the bonus rewards category. To help you minimize fees, Huntington offers a 24-hour grace period to avoid overdraft fees. You have more time to bring your account back to the positive - and they accept all day deposits so you won’t be held back by branch closing times.

Best Mobile Banks

Everyone’s on their phones these days, whether it’s to read email, take pictures, or manage their money. That’s why it’s so important to know which banks have the most cutting-edge mobile experience, offering things like mobile deposit, payments to friends, and more. We review the top mobile banks to see who’s leading the pack on technology and user experience. See our winners for this quarter below.


B+ MyBankTracker Rating

Great design. Safe-to-Spend monitoring. Freeze Debit Card. Customer Service Chat.

Best Feature: The Simple Account

Simple stands out with its unbeatable mobile banking application. Designed specifically for mobile banking, Simple offers an intuitive app and useful account management features. Simple’s Safe-to-Spend keeps you up to date on your spending so you can monitor your balance and prepare for upcoming bills and future goals. The account also has no monthly fees or overdraft fees. Meanwhile, you get an expansive surcharge-free ATM network.

Credit Unions

Credit unions may not have the presence of larger banks, but they make up for it with highly personalized services and support. Even still, not all credit unions are alike. We analyze the best of the best to determine who delivers the highest earnings and benefits at the lowest fees. See our winners for this quarter below.

Alliant Credit Union

A+ MyBankTracker Rating

Easy credit union membership with low account fees and high rates.

Best Feature: Free online checking and ATM refunds

Alliant Credit Union is a top-rated credit union due to its consumer-friendly fee policies. None of its deposit accounts have monthly fees. You can use any ATM and Alliant will refund up to $20 per month in ATM fees. Alliant credit cards make great tools for consolidating high-interest credit card debt. And, it’s easy for anyone to join Alliant. All you have to do is donate $10 to Foster Care to Success, a nonprofit organization.

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