We analyze online savings 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

1. Best Savings Account for ATM Access

Radius Bank High-Yield Savings

A MyBankTracker Rating

High yield checking. Free ATM access worldwide.

Best Feature: Free ATM card for cash withdrawals.

Radius Bank is big on providing easy and free access to your money - and its savings account is no exception to this. With this account, you can access your savings through a large network of ATMs, there’s no monthly fee, and you get a chance to earn up to 1.00% APY.

  • Earn

    Earn 1.00% APY on balances of $2,500 and up

  • Fees

    No monthly fee

    Fee-free withdrawals at ATMs under the SUM Program

  • Benefits

    Free ATM card available

    Radius Pay a Friend feature allows you to send money with ease

    Mobile app available on the Apple App Store and Google Play

2. Best No-Fee Savings Account

FNBO Direct Online Savings

B+ MyBankTracker Rating

No-fee savings.

Best Feature: No excess withdrawal fees

FNBO Direct earns top honors for its online savings account. With FNBO Direct Online Savings, you get a savings account that doesn’t charge monthly fees or excess withdrawal fees. This is a rare find in the world of savings accounts, which normally comes with a fee after six withdrawals in one month.

  • Earn

    Earn 0.95% APY

  • Fees

    No monthly fee

    No excess withdrawal fees

  • Benefits

    Various calculators to help you manage your finances

    A partnership with FICO, giving customers access to their credit score for free each month

    Popmoney allows you to send money to friends with ease

3. Best Savings with Overdraft Protection

Capital One 360 Savings

A MyBankTracker Rating

Consistently strong savings rates.

Best Feature: One of the most trusted online banks.

Capital One 360 wins for its no-fee policy. The Capital One 360 Savings account doesn’t have monthly fees and doesn’t charge excess withdrawal fees. However, if you make it a habit of withdrawing more than 6 times per month, Capital One may close your account.

  • Earn

    Get a rate of 0.75% APY on all balances

  • Fees

    No monthly fee

  • Benefits

    Have up to 25 free savings accounts with nicknames for different goals

    Free mobile check deposit

    Person2Person feature allows you to send money to friends with ease

    Mobile app available on the Apple App Store and Google Play

    My Savings Goal Feature to keep track of your savings progress

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