Banks with more than 1,000 branches were in the running for Best Big Bank, while those with fewer were up for Midsize. Credit Unions were scored within their own category as well as the overall.
The top Checking account selection was based on fees and ease of waiving them, widespread ATM access and branch locations, perks and consistent interest earned.
For Savings and CDs, awards were given based on consistency of highest yields for national rates first, followed by fees and minimum opening deposits.
Banks eligible for best mobile apps or most innovative mobile experience were selected based on breadth of features and ease of use.
The overall rank for each institution within each category was dependent on how many days in the quarter the institution's score was among the top 10.
The Best National Bank category includes banks or credit unions with 1,000 or more branches.
The Best Regional Bank category includes banks or credit unions with fewer than 1,000 branches.
The Best Online Bank category includes online-only banks that do not operate physical branches.
Participating Banks 2016 • 3rd Quarter
Nationwide Bank, Bank of Internet, Discover Bank, MyCBB, UFB Direct, Sallie Mae Bank (Goal Saver Account), TIAA Direct, American Express, Synchrony Bank, GS Bank, EverBank (acquired by TIAA), Incredible Bank, Barclays Bank, My Savings Direct
Chase, TD Bank, BBVA Compass, Fifth Third Bank, KeyBank, SunTrust Bank, U.S. Bank, Citibank, BB&T, Regions, Bank of America, Wells Fargo, PNC Bank
Rockland Trust, Eastern Bank, Popular Community Bank, Northwest Savings Bank, First Niagara, People's United, Santander, Webster, Northwest Savings, Apple Bank, Astoria Bank, Community Bank, First Commonwealth, First National Bank of Pennsylvania, Fulton Bank, HSBC, Hudson City Savings, Bank United
New England, Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, New Jersey, New York, and Pennsylvania
Umpqua Bank, Columbia State Bank, Sterling Bank, Huntington, 1st Source Bank, Chemical Bank, City National Bank (WV), Comerica, Community Trust, FirstMerit Bank, Flagstar, Independent, Old Nation, TCF National Bank, United Bank, WesBanco Bank, First Midwest, Anchor Bank, Associated Bank, Bank Mutual, Bank of the West, BMO Harris Bank, Bremer, First Bank (MO), MB Financial, UMB Bank
Illinois, Indiana, Michigan, Ohio, Wisconsin, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, and South Dakota
Rabobank, Bank of the West, California Bank & Trust, Union Bank, Arvest Bank, BancFirst, Bank of Oklahoma, FirstBank (CO), MidFirst Bank, Nevada State Bank, Zions First National Bank
Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Utah, Wyoming, Alaska, California, Hawaii, Oregon, and Washington
Arvest Bank, BancorpSouth Bank, Trustmark National Bank, Whitney Bank, Frost Bank, Amegy Bank, Comerica Bank, First Financial Bank (TX), International Bank of Commerce, Prosperity Bank, Woodforest National Bank, United Community Bank, First Citizens Bancorp, Synovus
Delaware, Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia, Washington D.C., and West Virginia, Alabama, Kentucky, Mississippi, and Tennessee, Arkansas, Louisiana, Oklahoma, and Texas
Pentagon Federal Credit Union, Alliant Credit Union, Navy Federal Credit Union, Consumers Credit Union, Conexus Credit Union, Lake Michigan Credit Union, NASA Federal Credit Union
Chase, Simple, USAA, Citizens Bank, Bank of America, Moven, Capital One, American Express, Citi Bank, US Bank, Discover
Best Account Picks Methodology
MyBankTracker examines the checking, savings, and CD accounts at the biggest traditional banks, online banks, and credit unions to determine which account is superior in its product group. Of all the various accounts, the top five from each category will be named winners.
The Best Checking Account award is given based on widespread ATM access, branch locations, interest earned, perks, bonuses, fees and the ease of waiving them.
The Best Savings Account and the Best CD Account awards are given based on consistency of high interest rates, fees, minimum balance requirements, and account features.
The overall rank for each institution within a specific category is dependant on how many days in the quarter that institution’s score was among the top 10.