Best banks for customer experience

Capital One offers an extensive suite of products that allow you to organize most of your finances in one place. Bankrate isn’t the only institution that’s recognized Capital One for its top-tier customer experience. It also earned a high overall customer satisfaction rating among online banks for both its savings and checking products according to J.D. Power’s 2026 Retail Banking Satisfaction Study, taking home top honors for the third year in a row for the Mid-Atlantic Region. It also scores high for both categories in J.D. Power’s Direct Banking Satisfaction Study.

• Live help is available by phone every day of the week from 8 a.m. to 11 p.m. ET.
• Nearly 250 branches in the U.S. and over fee-free 70,000 ATMs.
• Solid mobile app ratings on the App Store and Google Play.
• Zelle is available for digital payments to friends and family.
• Branches and cafes are available for in-person support in select states.

• Cannot make direct ATM withdrawals from savings accounts.

Happen Bank, formerly LendingClub, is a digital bank with checking and savings accounts, as well as certificates of deposit (CDs). Its suite of products also include personal loans and auto refinance, which it was originally known for. While it wasn’t part of J.D. Power’s 2026 study for direct banking, it does get a very good Customer Experience score from Bankrate and hosts a great deal of ways to make banking on the go easier.

• Some weekend phone support availability.
• Highly rated app on the App Store and Google Play.
• Unlimited ATM fee reimbursements.
• Chat feature available, but uses a bot.
• Credit alerts through the app.

• Completely digital means no branches for in-person service.
• No peer-to-peer payment systems listed, including Zelle.

UFB Direct offers a clean lineup of products: checking, savings and money market accounts as well as mortgages. All three of its deposit products have rates above average, though you’ll need to have checking and savings to get the best rates. The solid suite of products is boosted by a lineup of quality customer experience features to help make banking with UFB Direct as smooth as possible.

• Support is available 24/7 over the phone.
• Ratings on both the App Store and Google Play are excellent.
• Access to over 90,000 fee-free ATMs.
• Credit score monitoring and alerts available.

• Live online chat is only available Monday through Friday.
• No Zelle support.
• Branchless, so there’s no in-person support.

Bask Bank has a streamlined set of products: an interest checking account, two types of savings accounts and a small handful of CDs. The rates on the interest checking accounts, savings accounts and CDs are all competitive, while the second savings account lets you earn American Airlines miles — a unique take on savings for frequent flyers.

• Customer support is available over the phone Monday through Saturday.
• High ratings across the App Store and Google Play.
• Access to over 55,000 fee-free ATMs.
• Zelle support for peer-to-peer payments.
• Comprehensive FAQs on the Bask Bank website.

• No in-person support available.
• Live chat is not available.

E*TRADE from Morgan Stanley offers a lineup of products that can help you guide your financial journey regardless of where you’re starting from. Beyond a high Customer Experience score from Bankrate, it was also awarded a score well above average by J.D. Power in the 2026 Direct Banking Satisfaction Study for high-yield savings providers.

• Phone support is available 24/7.
• Highly rated app on the App Store and Google Play.
• Account alerts feature available.
• ATM fee refunds worldwide.
• Peer-to-peer payments through Zelle.

• No branch availability if you prefer in-person banking.
• Online chat is currently unavailable.

Anyone can apply to be a member of Alliant, and there are no membership fees. You’ll have a choice of several checking and savings accounts with Alliant, as well as CDs — many of which have solid rates that are well above national averages. If you’re looking to keep all of your finances in one place, Alliant also offers credit cards, loans and retirement accounts. And while the perks for its credit cards aren’t the most stellar, they are decent for cards with no annual fee.

• Some weekend phone and online chat support availability.
• Well rated app on the App Store and Google Play.
• Live chat feature available.
• Over 80,000 fee-free ATMs.
• Account alerts and credit tracking available.

• Completely digital means no in-person support.
• No peer-to-peer payment systems within the app, including Zelle.