Best online checking accounts for October 2024
Online checking accounts stand out for different features. Here’s our top picks.
Making good financial decisions enables people to get more out of life and I’m happy to contribute to that endeavor.
— Matthew Goldberg
About the author
Matthew Goldberg is a senior consumer banking reporter at Bankrate where he uses his more than 13 years of financial services experience to help inform readers about their important personal finance decisions.
Nearly his entire career, since 1998, has either been as a reporter, editor or working in the banking and insurance industry. Matthew’s banking career includes being a banker in New York City and being a bank officer at one of the largest banks in the U.S. He first gained his experience with deposit products and auto loans while representing a Federal Deposit Insurance Corp. (FDIC) online bank.
His reporting career includes working as a staff reporter at two daily newspapers. He earned his first newspaper bylines in 1998. Matthew’s been interviewed on television news and radio stations across the U.S. Previously, he was a weekly panelist on the SportsWriter’s show on WGEM AM ESPN 1440 in Quincy, Illinois and an occasional co-host and call-in guest on WGEM SportsCenter.
Matthew is currently a member of the Board of Governors at the Society for Advancing Business Editing and Writing (SABEW), which is the world's largest and oldest organization of business and financial journalists.
He chairs the organization's training member engagement committee and the organization's investment task force. He also is on the SABEW finance committee. He has previously served on conference planning committees and has been a Best in Business contest judge for the organization.
Matthew’s writing has been honored by both the Illinois Associated Press Editors Association and the Illinois Press Association. His writing has also been featured online on MSN, Yahoo! Finance and in newspapers throughout the country.
Making good financial decisions enables people to get more out of life and I’m happy to contribute to that endeavor.
— Matthew Goldberg
Online checking accounts stand out for different features. Here’s our top picks.
Locking up your savings for a decade in a 10-year CD may be a smart move in some limited circumstances.
Find the best no-penalty CD rates for your savings goals. Bankrate simplifies the process by evaluating thousands of financial institutions to provide the most competitive certificate of deposit rates.
For short-term saving, a nine-month CD may be a better option than a savings account.
Find the best 1-year CD rates if you have a short-term savings goal in mind.
These credit unions pay nearly three times the average yield on 1 year CDs. Find the best 1-year credit union CD rates today.
Shop around before you buy a two-year CD. The best rates for a certificate of deposit pay way more than the national average.
Truist Bank, the financial-services giant born out of the merger of SunTrust and BB&T, offers two CDs with competitive yields.
U.S. Bank offers a variety of terms for its certificates of deposit; however, its rates are lackluster by and large.
Discover Bank offers a variety of CD terms that pay competitive yields. Here are the rates Discover offers on its CDs.
Amex offers a variety of terms for its CDs; however, savers can find more competitive rates elsewhere.
Citibank’s new account bonuses are very competitive. Just be sure you won’t need those funds any time soon – dropping your account balances early can not only disqualify you from the promotion, but it may also cost you money in the form of additional account service fees.
Need a savings account? Here’s what the newly created Truist bank pays.
Everything you need to know about the bank’s yields on CDs.
The big bank offers a range of CD terms, but you can find much higher APYs elsewhere.