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Bankrate Bank Reviews
With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank reviews is updated regularly. Our editorial team reviews each bank on customer service, savings accounts, checking accounts, money market accounts (MMAs) and certificates of deposits (CDs.) Sort banks by overall rating, or individual category and find the right bank for you.
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| Overall Rating 5/5 | Ally Bank is a one-stop shop for online-only banking customers from coast to coast. | READ FULL REVIEW | |
| Overall Rating 4.5/5 | TIAA Bank is an online bank that offers a wide range of financial products. | READ FULL REVIEW | |
| Overall Rating 4.5/5 | Capital One bank is one of the most popular online banks in the country, and in some regions, it also gives customers access to bank branches. | READ FULL REVIEW | |
| Overall Rating 4.5/5 | Bethpage Federal Credit Union, the largest credit union in New York state, is a full-service banking institution. | READ FULL REVIEW | |
| Overall Rating 4.4/5 | Discover Bank is an online institution within a financial services company offering various products, including credit cards, personal loans and student loans. | READ FULL REVIEW | |
| Overall Rating 4.3/5 | Nationwide bank customers have been transitioned to Axos Bank. Axos Bank, a federally chartered savings bank, offers a broad range of financial products. This includes checking, savings, money market accounts, CDs, mortgages, and personal loans. | READ FULL REVIEW | |
| Overall Rating 4.2/5 | Citibank is among the world’s largest financial institutions, with well over $1 trillion in assets. It offers a comprehensive selection of banking products. | READ FULL REVIEW | |
| Overall Rating 4.2/5 | Synchrony Bank is an internet savings bank that issues credit cards and offers several accounts paying some of the market’s best rates. | READ FULL REVIEW | |
| Overall Rating 4.1/5 | Wells Fargo has more branches than any other bank in the U.S. The bank is embracing more consumer-friendly practices and upgrading its technology to regain trust with customers. | READ FULL REVIEW | |
| Overall Rating 4.1/5 | Barclays is a U.K.-headquartered, multinational financial services giant with global reach. In the United States, Barclays offers a very limited selection of deposit products online. | READ FULL REVIEW | |
| Overall Rating 4.1/5 | Sallie Mae Bank doesn’t make available checking accounts, but it does offer top-tier APYs on its savings accounts. | READ FULL REVIEW | |
| Overall Rating 4.1/5 | U.S. Bank is a large commercial bank that offers consumers who value the big bank experience an alternative to the biggest operators in the space. | READ FULL REVIEW | |
| Overall Rating 4/5 | CIT Bank is an online bank that offers competitive annual percentage yields (APYs) on its savings accounts, with its Savings Builder in the top tier of APYs. CIT Bank doesn’t offer a checking account, but it does have a money market account – though the money market account doesn’t offer check-writing privileges or a debit or ATM card for ATM access. | READ FULL REVIEW | |
| Overall Rating 4.0/5 | USAA Federal Savings bank is a members-only bank that requires membership through serving in the military or by having eligible family members who served. | READ FULL REVIEW | |
| Overall Rating 4.0/5 | Branch Banking and Trust Company is an FDIC-insured bank headquartered in Winston Salem, N.C. BB&T offers fairly accessible deposit account options and solid customer experience. | READ FULL REVIEW | |
| Overall Rating 4.0/5 | PNC is a regional bank that operates in parts of the Northeast, South and Midwest. Its virtual wallet suite of products is intended to help people balance daily spending with short-term and long-term savings goals. | READ FULL REVIEW | |
| Overall Rating 3.9/5 | Quontic Bank offers personal and business banking in the New York City area as well as some products online. | READ FULL REVIEW | |
| Overall Rating 3.9/5 | HSBC Direct accounts are available across the U.S. The accounts are through HSBC Bank USA, N.A. If you have an account, you can make a deposit or withdrawal at one of the HSBC locations in the U.S. HSBC Direct's savings account offers a competitive APY, while its checking account doesn’t charge monthly maintenance fees. | READ FULL REVIEW | |
| Overall Rating 3.9/5 | BMO Harris offers a competitive yield on its money market account. The $5,000 minimum balance requirement is higher than some accounts, but if you have that much to deposit, it’s worth consideration. | READ FULL REVIEW | |
| Overall Rating 3.8/5 | With a massive branch network and highly-rated digital products, Chase is often viewed as the country's signature banking institution. | READ FULL REVIEW | |
| Overall Rating 3.8/5 | Bank of America is one of the largest financial institutions in the country. It’s a digital leader with a global presence and roughly 67 million customers. | READ FULL REVIEW | |
| Overall Rating 3.8/5 | Popular Direct serves mobile and online banking customers who are hungry for some of the best interest rates available to savers across the country. | READ FULL REVIEW | |
| Overall Rating 3.8/5 | State Farm Bank is the banking and lending arm of insurance provider State Farm. The financial institution offers a variety of deposit, loan and financial card accounts. | READ FULL REVIEW | |
| Overall Rating 3.8/5 | Pentagon Federal Credit Union is the second-largest federal credit union and has a history in serving members in the military and those who are affiliated with the military. | READ FULL REVIEW | |
| Overall Rating 3.7/5 | Marcus by Goldman Sachs is a direct bank that offers personal loans and rewards savers with high-yield account options. | READ FULL REVIEW | |
| Overall Rating 3.6/5 | The Huntington National Bank attracts its customers with consumer-friendly products and an impressive branch network for its size. | READ FULL REVIEW | |
| Overall Rating 3.6/5 | Investors Bank has been around for more than 90 years and offers a variety of banking products online and at more than a hundred branches. | READ FULL REVIEW | |
| Overall Rating 3.6/5 | BBVA opened its first branch in 1964 and now has 645 branches. This includes 332 branches in Texas and locations in Alabama, Arizona, California, Florida, Colorado and New Mexico. The bank also has an international presence, with accounts available in more than 30 countries. | READ FULL REVIEW | |
| Overall Rating 3.6/5 | Formerly known as The PrivateBank and Trust Co., CIBC Bank USA offers a range of personal banking products and a high-APY savings account. | READ FULL REVIEW | |
| Overall Rating 3.6/5 | First National Bank of America is a Michigan-based regional bank with solid deposit account offerings. | READ FULL REVIEW | |
| Overall Rating 3.6/5 | American Express Bank is a premier online bank offering personal banking products to savers across various income levels. | READ FULL REVIEW | |
| Overall Rating 3.6/5 | BankDirect is an online-only bank that features competitive interest rates and is available to customers in all 50 states. | READ FULL REVIEW | |
| Overall Rating 3.6/5 | Fifth Third Bank is a regional financial institution with customers in 10 states and more than 1,200 full-service locations. | READ FULL REVIEW | |
| Overall Rating 3.5/5 | TD Bank bills itself as America's Most Convenient Bank because its branches open early, close late, and most are open seven days a week as well as some holidays. | READ FULL REVIEW | |
| Overall Rating 3.5/5 | Citizens Access is a direct bank offerings savings products and the new online division of Citizens Bank. | READ FULL REVIEW | |
| Overall Rating 3.5/5 | Quorum Federal Credit Union is based in Purchase, New York, and serves members nationwide. Members of the credit union will have access to a variety of products, as well as digital and in-person banking. | READ FULL REVIEW | |
| Overall Rating 3.5/5 | Vio Bank is an online-only financial institution serving savers nationwide. Consumers in the market for a high-yield savings account or CD have access to competitive rates. | READ FULL REVIEW | |
| Overall Rating 3.5/5 | Live Oak Bank is a branchless, digital financial institution serving savers and small-business owners nationwide. | READ FULL REVIEW | |
| Overall Rating 3.5/5 | Third Federal Savings & Loan Association is a Cleveland-based financial institution that supports local communities in Ohio and Florida – and offers some banking products online. | READ FULL REVIEW | |
| Overall Rating 3.4/5 | Customers Bank has some of the most competitive APYs on its online-only savings products, though the bank requires a large minimum balance to earn those APYs. If you're looking to deposit $25,000 or more into a savings product and want a competitive yield, this may be the right bank for you. | READ FULL REVIEW | |
| Overall Rating 3.4/5 | For consumers looking to do most of their banking online and get a top-tier APY for their savings account, PurePoint Financial is a good option to consider. | READ FULL REVIEW | |
| Overall Rating 3.4/5 | Banesco USA is a bank headquartered in South Florida eager to grow through investing in better customer service and digital enhancements. | READ FULL REVIEW | |
| Overall Rating 3.3/5 | Amerant Bank is a brick-and-mortar bank based in Florida, and it offers competitive rates on CDs nationwide. | READ FULL REVIEW | |
| Overall Rating 3.3/5 | E-Trade Bank is the banking unit of E-Trade Financial Corp., a brand best known for its brokerage services. The bank offers a competitive yield on its savings account. | READ FULL REVIEW | |
| Overall Rating 3.3/5 | UFB Direct is a division of Axos Bank. UFB Direct was established in 1999. The bank is a direct bank and doesn’t have any branches. It’s known for its UFB Direct Premium Money Market, which has one of the highest APYs around. It also recently launched its High Yield Savings account, which also has a top APY. However, both accounts require a minimum balance of $25,000. | READ FULL REVIEW | |
| Overall Rating 3.2/5 | Mutual of Omaha Bank is a regional bank that offers certificates of deposits, savings and checking accounts. | READ FULL REVIEW | |
| Overall Rating 3.2/5 | Citizens Bank offers one of the easiest ways to sidestep a monthly fee: deposit money at least once a month. | READ FULL REVIEW | |
| Overall Rating 3.1/5 | Rising Bank is a new online division of Midwest BankCentre, a community bank that’s been around for more than a century. | READ FULL REVIEW | |
| Overall Rating 2.6/5 | Investors eAccess is a new online-only division of Investors Bank, an institution with a 90-year history and close ties to the communities it serves. | READ FULL REVIEW |