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

1. Best Western Bank for Great Accounts

Bank of the West

A MyBankTracker Rating

530+ branches. Mobile banking. Great basic checking and cash back credit card.

Best Feature: Bank of the West Cash Back World MasterCard®

Bank of the West Logo

Bank of the West shines because of the combination of its large network through the West and Midwest and attractive consumer accounts. The basic checking account has a monthly fee, but it takes any single deposit of any amount to get it waived. And, the bank offers a top-notch credit card that lets people earn plenty of cash back on very common purchases.

  • Earn

    Earn up to 3% cashback on common spending categories with the new Bank of the West Cash Back World MasterCard®

  • Fees

    Monthly fee on the basic checking is waived with any deposit

    Annual reversal of on overdraft or returned item fee

  • Benefits

    Mobile app available on the Apple App Store and Google Play

2. Best Western Bank for Customer Service

BBVA Compass

B+ MyBankTracker Rating

Customer Service Call Scheduling. Fingerprint Authentication. Apple & Android Pay

Best Feature: Free checking with personalization options

BBVA Compass Bank Logo

BBVA Compass continues to make our list of top banks in the West for a variety of reasons, but especially because of its extensive customer service offerings. For example, you can video chat with a teller rather than stepping into a branch - or you can chat, email, call, or text a banking concierge to get answers to your questions. And all this comes with a free, customizable checking account option.

  • Earn

    Simple rewards credit card that has no annual fee and a potential low APR

    Top-notch APY on its money market account

  • Fees

    Completely free checking is available

    Surcharge-free access to the Allpoint ATM network

  • Benefits

    Video banking allows you to connect with a virtual teller 24/7

    Free access to concierge bankers, who you can reach via text, email, chat, or phone

    Popmoney allows you to send money to friends with ease

    Mobile app available on the Apple App Store, Google Play, and for Amazon

3. Best Western Bank for Low-Cost Banking

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 Logo

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.

  • Earn

    Has a no-annual-fee credit card that offers high rewards on gas and groceries

    Jumbo CDs (of $250,000 of more) can be held with various partner banks for FDIC insurance

  • Fees

    Offers a free checking account that comes with the ability to get ATM refunds

  • Benefits

    Great customer service

    Mobile app available on the Apple App Store and Google Play

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