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Best Banks and Credit Unions
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(image: https://i.pinimg.com/originals/fb/d4/92/fbd49267370720a19352f04172d977bc.png)Best Banks and Credit Unions
See our lists of the top credit unions and banks which can assist you in managing and increase your money efficiently.
by Ruth Sarreal Content Management Specialist bank accounts, bank account bonuses Ruth Sarreal is a content manager who covers the topics of banking for consumers at NerdWallet. She has over a decade of experience writing and editing content for consumer websites. She was previously editor of articles on personal finance topics for GOBankingRates. She has had her work highlighted by Nasdaq, MSN, TheStreet and Yahoo Finance.
Updated 17 Mar 2023
Edited by Yuliya Goldshteyn Assistant Assigning Editor Yuliya Goldshteyn is a banking editor with NerdWallet. She was previously an editor, writer and a research analyst across a range of industries from health care as well as market research. She graduated with a bachelor's degree in history from the University of California, Berkeley as well as a master's degree in sociology from University of Chicago, with the focus on Soviet culture and history. She is based in Portland, Oregon.
The majority or all of the products we feature are from our partners who compensate us. This impacts the types of products we review and where and how the product is featured on the page. However, this does not affect our opinions. Our opinions are our own. Here's a list of and .
The ideal financial institution will depend on what you're the market for whether it's a savings or an account with a check, or both. Whatever you're looking for, NerdWallet has it covered.
Here's a look at the top institutions overall and accounts for 2023. The APYs listed are current as of March 17 2023. The other information is up-to-date at the time of Jan. 13th 2023.
+ See a summary of NerdWallet's best credit unions and banks in 2023
Best-of-2023 Banking Winners:
Alliant Credit Union: Best credit union.
Ally Bank: Best bank; best money market account.
Capital One 360: Best online banking experience.
Charles Schwab Bank: Best bank or credit union to get ATM access.
Chase: Excellent for signing up bonuses as well as branch access (tie).
Discover Bank: Best savings account.
SoFi: The best savings and checking account Best checking account in general; the most reliable checking account with high-interest; the best checking account that has no monthly fees; the top checking account for overdraft fee avoidance.
Synchrony Bank: Best bank or credit Union for CDs.
Wells Fargo Bank: Best credit union or bank for branches with branch accessibility (tie).
Other great accounts:
Axos Bank: Excellent to check interest on checks up to $50,000.
Connexus Credit Union: Great for interest-checking as much as $25,000.
LendingClub Bank: Best for cash back.
Marcus from Goldman Sachs: Best for same-day, high-limit transfers.
Quontic Bank: Most domestic ATMs.
Best credit unions and banks
NerdWallet spent over 200 hours of comparing and rating over 80 financial institutions including banks, neobanks , and credit unions to choose winners in more than 10 categories. Read on for more information about the institutions and accounts which were awarded top marks this year.
Alliant Credit Union: Best credit union
More than 80,000 ATMs are free; interest checking available.
2.70% APR on savings.
Find out more about us in our .
Ally Bank: Best bank and the best money market account
No overdraft fees plus greater than 43,000 ATMs
3.75% rate of APY on savings. 3.80% APY on all balances within the cash market accounts.
Read more in our .
Capital One 360: Best online banking experience
More than 70,000 free ATMs; offers tools such as Virtual assistance as well as virtual numbers Teen checking is available.
3.40 Savings APY of 3.
Find out more about us in our .
Charles Schwab: Best for ATM access
Unlimited world-wide ATM fees reimbursement.
0.45% checking APY.
Read more in our .
Chase: Best for sign-up bonuses and for branch access (tie)
There is no minimum deposit requirement to receive cash bonus on opening a new checking account.
There are more than 4700 branches in 49 states.
Find out more about us in our .
Discover Bank The best savings account
No monthly charges and 3.60 percent APR.
Learn more in our .
SoFi: The best choice for checking and savings combo High interest checking, the ability to avoid fees for overdrafts and more.
The possibility of 4.00% APY on savings balances, and up to 1.20% APY on the balances of checking accounts (APY is variable and subject to changes).
There are no overdraft charges and there is no fee for overdraft coverage.
Find out more about us in our .
Synchrony Bank: Ideal for CDs
Highly cost-effective CD rates.
Bump-up CDs and an 11-month no-penalty CDs are available.
Find out more about us in our .
Wells Fargo Bank: Best branch access (tie)
There are 4,700 branches throughout the United States.
Find out more about us in our .
Other great accounts of 2023
It is also worth considering a savings or checking account with one of the institutions listed below. The savings accounts offer APRs that are much greater than the average national rate of 0.37% and the checking accounts have advantages like the possibility of earning interest on your accounts with balances in the checking account as well as reimbursement of ATM fees. (Read further about the different kind of account in our article regarding and .)
Axos Bank: Excellent for interest-checking up to $50,000
up to 3.30% APY on checking balances up to $50,000.
Unlimited ATM fee reimbursements.
Learn more in our .
Connexus Credit Union: Great for checking interest on up to $25,000
up to 1.75 percent APY on checking balances of as high as $25,000.
More than 67,000 ATMs that are fee-free.
Find out more about us in our .
Saves CD Management Checking Money Market
Member FDIC
SoFi Checking and Savings
APY 4.00 percent SoFi customers who make direct deposit are eligible to receive up 4.00 percent annually-percentage yield (APY) on savings balances (including Vaults) and 1.20 percent APY on their checking balances. There is no minimum direct deposit amount needed to earn the 4.00 percent APY on savings. Members without direct deposit will earn 1.20% APY on all balances of their checking accounts and savings (including Vaults). The rates of interest are variable and subject to change at any time. These rates are current as of 03/17/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet
Min. balance required for APY $0
Member FDIC
Marcus by Goldman Sachs Online Savings Account
APR 3.75% 3.75% APR (annual percentage yield) with no minimum balance to earn the stated APY. Accounts must be in a positive balance to remain open. APY current as of 02/14/2023.
Min. balance to APY $0
Member FDIC
CIT Bank Platinum Savings
APY 4.75%
Min. balance required for APY $5,000
These cash accounts combine services and features that are similar to savings, checking or investment accounts into one product. These accounts for managing cash are typically provided by non-bank financial institutions.
They combine the services and features that are similar to savings, checking and investment accounts into one package. Cash management accounts are generally provided by non-bank financial institutions.
on Wealthfront's website
Cash Account at Wealthfront
APY 4.30%
Min. balance required for APY $1
on the Betterment website.
Betterment Cash Reserve - Paid non-client promotion
APY 4.20% Annual percentage yield (variable) is at 03/27/2023.
Min. balance to APY $0
CDs (certificates of deposit) are a kind of savings account with the option of a fixed rate and time, and usually have higher rates of interest than standard savings accounts.
CDs (certificates of deposit) are a form of savings account that has a fixed rate and term typically, they have higher rates of interest than regular savings accounts.
Member FDIC
Marcus is a Goldman Sachs High-Yield 10-Month CD
APY 5.05 percent 5.05 5 % APY (annual percentage yield) as on 03/28/2023. Special Offer Ends 09/15/2023.
The term is 10 months
CIT Bank No-Penalty CD
APY 4.80 percent
The term is 11 months
Checking accounts are used for day-to-day cash deposits and withdrawals.
Checking accounts are used to make daily cash deposits as well as withdrawals.
The deposits are FDIC Insured
Current Account
APR N/A
Monthly fee of $0
Chime Checking Account
APR N/A
Monthly fee: $0
Member FDIC
Axos Bank(r) Rewards Checking
APY 3.30 percent Your annual percentage yield can be as high as 3.30% based on the following combined rate-rewards Direct deposits (not including transfers between banks from an account) that total more than $1500 each month will earn 0.40 percent. A direct deposit that is eligible for a qualifying amount is required for any remaining rate qualifications to be eligible. Ten (10) point-of-sale transactions per month using your Rewards Checking Visa(r) Debit Card for regular purchases, with a minimum of $3 per transaction, or enrolling in Account Aggregation/Personal Finance Manager (PFM) will earn 0.30%; maintaining the average of $2,500 per month in an Axos Self Directed Trading Invest Account will yield 1.00%. Maintaining an average daily balance of $2,500 a month within An Axos managed Portfolio Invest account will earn 1.00 percent; and making a monthly payment for an existing Axos Consumer Bank loan (commercial or business loans excluded) via the Rewards Checking Account will earn the maximum amount of 0.60 percent.
Monthly fee of $0
Market accounts for money pay interest rates that are comparable to savings accounts and have certain checking features.
Market accounts for money pay interest rates that are similar to savings accounts and have some checking features.
Member FDIC
Bank Money Market Account - Discover Bank Money Market Account
APY 3.50 percent
Min. balance for APY $1
LendingClub Bank: Best for cash and back
Unlimited 1% cash back for debit card transactions when you reach the minimum monthly balance or direct deposit requirements.
Unlimited worldwide ATM fees reimbursement.
Read more in our .
Return to the top
Marcus by Goldman Sachs: Best for immediate, high-limit transfers
Same-day online external transfers that can reach $125,000.
3.75% APR (annual percentage yield) with $0 minimum balance to earn the stated APY. Accounts must be in a positive balance to remain open. APY current as of 02/14/2023.
Learn more in our .
Quontic Bank: Most domestic ATMs
More than 90,000.00 ATMs that are in-network.
1.10% APY on checking when you meet minimum requirements for spending on your debit card.
Learn more about our .
Looking for other good options? Browse our picks for and
Did you have some other idea in particular? If so, check out these articles:
Find the top savings and money market accounts
From top to bottom
Compare the best CD accounts
Back to top
Compare the best checking accounts
From top to bottom
Compare the best banks, credit unions, and cash management accounts
Back to top
Compare the best banks for children and teens.
A summary of the top financial institutions and credit unions from 2023
Financial institution
Best to use for ...
The NerdWallet ratings are made through our team of editors. The scoring formulas are based on many data points for each financial product and service.
Best credit union in general.
The ratings of NerdWallet are formulated by the editorial staff. The scoring formulas are based on several data points associated with each financial product and service.
The best bank overall.
Best Money Market Account.
NerdWallet's ratings are determined by the editorial staff. The scoring formulas are based on several data points associated with every financial product or service.
The best Online banking experience.
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account many data points for each financial product and service.
The best credit union or bank for ATM access.
The ratings of NerdWallet are formulated by the editorial staff. The scoring formulas take into account several data points associated with every financial product or service.
Best credit union or bank to get sign-up bonus.
The best credit union or bank for branch access (tie).
NerdWallet's ratings are determined through our team of editors. The scoring formulas consider several data points associated with every financial product or service.
Best savings account.
NerdWallet's ratings are made through our team of editors. The scoring formulas consider many data points for each financial service and product.
Best checking and savings combo.
Best overall checking account.
The best checking account to earn high-interest.
Best checking account with no monthly fee.
Best checking account to avoid overdraft fees.
The ratings of NerdWallet are formulated by our editorial team. The scoring formulas take into account multiple data points for every financial product or service.
Best bank or credit union for CDs.
The NerdWallet ratings are made by our editorial team. The scoring formulas consider multiple data points for each financial service and product.
The best bank or credit union for branch access (tie).
Another great account of 2023
NerdWallet's ratings are determined through our team of editors. The scoring formulas consider many data points for each financial product and service.
Excellent for interest-checking on up to $50,000.
NerdWallet's ratings are made by our editorial team. The scoring formulas take into account several data points associated with every financial service and product.
Great for interest checking for the amount of $25,000 or more.
NerdWallet's ratings are determined by our editorial team. The scoring formulas consider several data points associated with every financial product or service.
Best option for cash back.
NerdWallet's ratings are made by the editorial staff. The scoring formulas take into account many data points for each financial product and service.
Ideal for high-limit, same-day transfer.
NerdWallet's ratings are determined by the editorial staff. The scoring formulas take into account multiple data points for each financial service and product.
Most domestic ATMs.
Are you looking for the largest banks in the nation?
We took a closer look at nearly 80 financial institutions as well as financial service providers, including the largest U.S. banks based on the amount of assets, web search traffic, and other aspects; the nation's largest credit unions, based on membership and assets; and other notable and/or emerging companies in the sector. We assessed them based on a variety of factors like annual percentage yields and minimum balances and fees, digital experience , and other factors.
Financial institutions and providers surveyed include , , , , the (, ) , , , , the (, ) , and , Liberty Bank, , , (by Axos), , , , , , , , , Scarlet , , , , , , , in,.. and .
The author's bio: Ruth Sarreal is a content management specialist at NerdWallet. She has written and edited articles on personal financial issues for more than five years.
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