Best online banks of April 2026

• Top rates: Ally consistently offers savers above-average annual percentage yields (APYs). What’s more, it doesn’t require minimum deposits to open accounts — including for certificates of deposit (CDs) — so products are accessible to all savers.
• Robust ATM network: Ally customers have fee-free access to more than 75,000 ATMs across the country in the Allpoint and MoneyPass networks. What’s more, Ally reimburses up to $10 each statement cycle in fees charged at other ATMs nationwide.
• No monthly fees: As an Ally Bank customer, you won’t waste your money on monthly maintenance fees — Ally doesn’t charge them. It also abolished overdraft fees.

CDs, Savings account, Money market account, Checking account

• No fees or minimums: Most accounts at the bank don’t require minimum balances or charge monthly fees.
• Unlimited ATM fee reimbursement: Some checking accounts at Axos reimburse all domestic ATM fees.
• Round-the-clock support: Customers can reach Axos Bank by phone anytime except Thanksgiving and Christmas.

Savings account, Checking account

• High yields: The savings account and CDs all earn competitive rates.
• Specialty CDs: Marcus offers three no-penalty CDs and a rate-bump CD.
• 24/7 customer service: The contact center is available around the clock.

CDs, Savings account

• Competitive savings account rate: LendingClub’s LevelUp High-Yield Savings account earns a competitive rate on any balance, and an even better one if you can save $250 a month. 
• Rewards checking account: Many rewards checking accounts either offer cash back or interest; LendingClub does both. The Rewards Checking account pays 1% unlimited cash back on debit purchases when you meet direct deposit requirements and earns interest on balances of $2,500 or higher. There are no maintenance fees, and you’ll receive unlimited rebates for ATM surcharges imposed by other banks.
• Fee-free ATM withdrawals: LendingClub customers can withdraw money from more than 40,000 MoneyPass ATMs. And they can make deposits at participating MoneyPass ATMs. 

CDs, Savings account, Checking account

• Above-average yields: Capital One’s savings account and CDs earn high rates, and its checking account also earns a little bit of interest.
• In-person banking: While Capital One accounts are all available online, those who live near a Capital One Café or branch get the experience of a full-service bank.
• Large ATM network: Customers get access to more than 70,000 fee-free ATMs from Capital One and the MoneyPass and Allpoint networks.

CDs, Savings account, Checking account

• Competitive rates: The savings and checking accounts earn competitive yields when deposit requirements are met.
• No fees: You won’t be hit with maintenance fees or overdraft fees. There are no minimum opening deposit requirements.
• Extra FDIC insurance: You can get more than the usual $250,000 insured at SoFi — way more. Up to $3 million, in fact, if you opt in to the program.  

Savings account, checking account

• High yields and no fees: With Bask Bank, you can earn a competitive yield but ditch the monthly fees and minimum balance requirements. That even includes Bask’s checking account, though CDs have a $1,000 minimum deposit.
• Solid fee-free ATM network: Checking accountholders can access more than 55,000 Allpoint ATMs across the country.
• Unique savings account: Bask Bank’s other savings account, the Mileage Savings Account, offers a unique perk: you earn 1.75 American Airlines AAdvantage miles for every $1 saved annually with this account. 

CDs, Savings account, Checking account

• Accessible membership: Alliant Credit Union is easy to join. Paths to membership include being a member of certain organizations or living or working in certain areas of Illinois. If you don’t meet any of those criteria, you can become an Alliant Credit Union Foundation digital inclusion advocate to qualify. Alliant will even pay the one-time $5 contribution required to join the foundation. 
• Fee-free ATM access: Not only do checking accountholders have access to more than 80,000 fee-free ATMs nationwide, they also get up to $20 each month in ATM surcharge rebates.
• Accounts for minors: Alliant offers a checking account for teens aged 13-17 years old, and a savings account for children ages 12 and younger.

CDs, Savings account, Checking account

• High checking rates: NBKC offers higher interest on its checking than you’ll find at most banks. 
• Some branch access: While anyone can open and manage accounts online, NBKC maintains several branches in the Kansas City, Missouri area.

CDs, Checking account, Money Market account

• No minimum deposit requirements: None of the accounts require any set opening deposit.
• ATM fee refunds: Account holders receive unlimited ATM fee refunds, applied nationwide with free checking and worldwide with interest checking.
• Investing options: Customers also have access to investing accounts, including individual retirement accounts (IRAs).

CDs, Savings account, Checking account

• Strong savings options: Yields are competitive at UFB Direct, and its savings account earns a higher rate if bundled with the checking account.
• No minimums on checking or savings: UFB Direct’s checking and savings don’t require any minimum balance. (The money market account charges a monthly fee if balance requirements aren’t met.)
• 24/7 customer support: Customers can reach UFB Direct by phone anytime.

Savings account, Money Market account, Checking account