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Updated 2022-10-13T22:01:31Z
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while you're on the go. Customer experience can significantly impact your overall banking experience. If you can't find time to visit a branch or call a bank during regular business hours, then it's going to be difficult to manage your money. Thankfully, some banks make it easy to call or message the customer service center at any time of the day. Here's a list of banks that offer 24/7 customer support, and many of these institutions are featured in one or more of
our best bank account guides. Alliant High-Interest Checking Account Annual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $0 Alliant High-Interest Checking Account Annual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $0 On Alliant Credit Union's website On Alliant Credit Union's website Annual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $0
Check mark iconA check mark. It indicates a confirmation of your intended interaction. Earn interest
Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit
Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees
Check mark iconA check mark. It indicates a confirmation of your intended interaction. $20/month in out-of-network ATM fee refunds
Check mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft fees
Check mark iconA check mark. It indicates a confirmation of your intended interaction. No incoming wire transfer fee
Dash iconA dash. It often indicates an interaction to shrink a section. Compounds interest monthly, not daily
Dash iconA dash. It often indicates an interaction to shrink a section. $25 outgoing wire transfer fee Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Alliant Credit Union pays high interest rates on savings, checking, and certificates. How to contact customer support: Customer service representatives are available over the phone. 2. Ally BankAlly High Yield Savings Account Annual Percentage Yield (APY) 2.25% APY Minimum Deposit Amount $0 Ally High Yield Savings Account Annual Percentage Yield (APY) 2.25% APY Minimum Deposit Amount $0 Ally High Yield Savings Account from AllyDeposit DetailsAnnual Percentage Yield (APY) 2.25% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. High APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Savings buckets help you save for different goals Check mark iconA check mark. It indicates a confirmation of your intended interaction. Surprise savings transfers help you save extra money from your checking account Dash iconA dash. It often indicates an interaction to shrink a section. No physical branch locations Dash iconA dash. It often indicates an interaction to shrink a section. No way to deposit cash
HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Ally pays high interest rates on savings accounts and certificates. How to contact customer support: Customer service representatives are available over the phone or through online chat. 3. American Express National BankAmerican Express® High Yield Savings Account Annual Percentage Yield (APY) 2.15% APY (as of 10/06/2022) Minimum Deposit Amount $0 American Express® High Yield Savings Account Annual Percentage Yield (APY) 2.15% APY (as of 10/06/2022) Minimum Deposit Amount $0 On American Express National Bank (Member FDIC)'s website American Express® High Yield Savings Account from American Express National Bank (Member FDIC)On American Express National Bank (Member FDIC)'s website Deposit DetailsAnnual Percentage Yield (APY) 2.15% APY (as of 10/06/2022) Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark iconA check mark. It indicates a confirmation of your intended interaction. 24/7 phone support Check mark iconA check mark. It indicates a confirmation of your intended interaction. No excess transaction fee Dash iconA dash. It often indicates an interaction to shrink a section. No mobile app for banking customers Dash iconA dash. It often indicates an interaction to shrink a section. You must make a deposit within the first 60 days Dash iconA dash. It often indicates an interaction to shrink a section. No live online chat HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: The American Express® High Yield Savings Account is the bank's strongest account. It pays a high interest rate and has a $0 minimum opening deposit. How to contact customer support: Customer service representatives are available over the phone. 4. Axos BankAxos Bank Rewards Checking Annual Percentage Yield (APY) Up to 1.25% APY Minimum Deposit Amount $50
Axos Bank Rewards Checking Annual Percentage Yield (APY) Up to 1.25% APY Minimum Deposit Amount $50 Axos Bank Rewards Checking from AxosDeposit DetailsAnnual Percentage Yield (APY) Up to 1.25% APY Minimum Deposit Amount $50 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. High APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. Unlimited out-of-network ATM reimbursements Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly maintenance fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. No overdraft fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. No non-sufficient funds fees Dash iconA dash. It often indicates an interaction to shrink a section. $50 opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. No APY if you can't meet qualifications Dash iconA dash. It often indicates an interaction to shrink a section. Few mobile app reviews
HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Axos Bank has great high-yield savings, checking, and money market accounts. How to contact customer support: Customer service representatives are available over the phone or through online chat. 5. Blue Federal Credit UnionBlue Extreme Checking Account Annual Percentage Yield (APY) 1.00% to 2.00% APY Minimum Deposit Amount $0 Blue Extreme Checking Account Annual Percentage Yield (APY) 1.00% to 2.00% APY Minimum Deposit Amount $0 On Blue Federal Credit Union's website Blue Extreme Checking Account from Blue Federal Credit UnionOn Blue Federal Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 1.00% to 2.00% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Earn interest Check mark iconA check mark. It indicates a confirmation of your intended interaction. Earn higher interest the longer you bank with Blue FCU Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Refunds up to $28/month in ATM fees charged by out-of-network providers Dash iconA dash. It often indicates an interaction to shrink a section. $30 overdraft fee Dash iconA dash. It often indicates an interaction to shrink a section. If you overdraw by over $1,000, your purchase is declined Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: The Blue Extreme Checking Account is the credit union's strongest account; it comes with a high interest rate. Blue FCU also reimburses you up to $28 each month in out-of-network ATM fees. How to contact customer support: Customer service representatives are available over the phone. 6. Capital One 360Capital One 360 Performance Savings™ Annual Percentage Yield (APY) 2.30% APY Minimum Deposit Amount $0 Capital One 360 Performance Savings™ Annual Percentage Yield (APY) 2.30% APY Minimum Deposit Amount $0 Capital One 360 Performance Savings™ from Capital OneDeposit DetailsAnnual Percentage Yield (APY) 2.30% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Easy to save for various goals Check mark iconA check mark. It indicates a confirmation of your intended interaction. 24/7 live chat Dash iconA dash. It often indicates an interaction to shrink a section. Limited access to customer service by phone HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Capital One 360 pays competitive interest rates on savings, checking, and certificates. How to contact customer support: Customer service representatives are available via online chat. 7. Charles SchwabSchwab Bank High Yield Investor Checking® Account Annual Percentage Yield (APY) 0.40% APY Minimum Deposit Amount $0 Schwab Bank High Yield Investor Checking® Account Annual Percentage Yield (APY) 0.40% APY Minimum Deposit Amount $0 On Charles Schwab Bank's website Schwab Bank High Yield Investor Checking® Account from Charles Schwab BankOn Charles Schwab Bank's website Deposit DetailsAnnual Percentage Yield (APY) 0.40% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum account balance Check mark iconA check mark. It indicates a confirmation of your intended interaction. Unlimited out-of-network ATM reimbursements Check mark iconA check mark. It indicates a confirmation of your intended interaction. No foreign transaction fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Free overdraft protection Dash iconA dash. It often indicates an interaction to shrink a section. Must also open a Schwab One brokerage account Dash iconA dash. It often indicates an interaction to shrink a section. $25 overdraft fee if you don't enroll in protection HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: The Schwab Bank High Yield Investor Checking® Account is its most appealing account, with no minimum opening deposit or monthly fees. Charles Schwab also doesn't charge foreign transaction fees and offers unlimited refunds for out-of-network ATM fees. How to contact customer support: Customer service representatives are available via online chat. 8. ChaseAnnual Percentage Yield (APY) 0.01% APY effective as of 10/10/2022. Interest rates are variable and subject to change Minimum Deposit Amount $0 Annual Percentage Yield (APY) 0.01% APY effective as of 10/10/2022. Interest rates are variable and subject to change Minimum Deposit Amount $0 Chase Savings℠ from ChaseDeposit DetailsAnnual Percentage Yield (APY) 0.01% APY effective as of 10/10/2022. Interest rates are variable and subject to change Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Relatively easy to waive $5 monthly fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Link to a Chase checking account for free overdraft protection Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily Dash iconA dash. It often indicates an interaction to shrink a section. $5 monthly service fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Chase has over 4,700 branches in 33 states. It's a good option if you want a large ATM and branch network. How to contact customer support: Customer service representatives are available over the phone. 9. Chime*Annual Percentage Yield (APY) 1.50% APY Minimum Deposit Amount $0 Annual Percentage Yield (APY) 1.50% APY Minimum Deposit Amount $0 Chime Savings Account from ChimeDeposit DetailsAnnual Percentage Yield (APY) 1.50% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Option to round debit card purchases to the nearest dollar and put spare change in savings account Check mark iconA check mark. It indicates a confirmation of your intended interaction. Option to automatically save a percentage of your paycheck Dash iconA dash. It often indicates an interaction to shrink a section. Must open Chime Spending Account before savings account Dash iconA dash. It often indicates an interaction to shrink a section. Deposit cash at Green Dot locations, which may charge fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Chime has solid checking and savings accounts. There are no monthly fees or minimum opening deposit required. How to contact customer support: Customer service representatives are available through email. *Chime is an online banking platform, not a bank. 10. CIT BankCIT Bank Savings Connect Account Annual Percentage Yield (APY) 3.00% APY Minimum Deposit Amount $100 CIT Bank Savings Connect Account Annual Percentage Yield (APY) 3.00% APY Minimum Deposit Amount $100 CIT Bank Savings Connect Account from CIT BankDeposit DetailsAnnual Percentage Yield (APY) 3.00% APY Minimum Deposit Amount $100 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum monthly balance requirement Dash iconA dash. It often indicates an interaction to shrink a section. $100 minimum opening deposit HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: CIT Bank's most appealing account is the CIT Bank Savings Connect Account. The account has a competitive interest rate that's higher than the average savings account. How to contact customer support: Customer service representatives are available via online chat. 11. CitibankAnnual Percentage Yield (APY) 2.20% APY Minimum Deposit Amount $0 Annual Percentage Yield (APY) 2.20% APY Minimum Deposit Amount $0 Citi® Accelerate Savings from CitiDeposit DetailsAnnual Percentage Yield (APY) 2.20% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. High APY (minimum $1 balance to earn) Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. You may pay a monthly fee, depending on a variety of factors Dash iconA dash. It often indicates an interaction to shrink a section. Other fees depend on which checking account you link to your savings account Dash iconA dash. It often indicates an interaction to shrink a section. Not available in certain states Dash iconA dash. It often indicates an interaction to shrink a section. BBB gives Citi an F in trustworthiness HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Citi's strongest product is its Citi® Accelerate Savings. You can earn a high interest rate if you deposit at least $1. How to contact customer support: Customer service representatives are available over the phone. 12. Consumers Credit UnionConsumers Credit Union Free Rewards Checking Account Annual Percentage Yield (APY) 0.01% to 5% APY Minimum Deposit Amount $5 Consumers Credit Union Free Rewards Checking Account Annual Percentage Yield (APY) 0.01% to 5% APY Minimum Deposit Amount $5 On Consumers Credit Union's website Consumers Credit Union Free Rewards Checking Account from Consumers Credit UnionOn Consumers Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 0.01% to 5% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. High APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Early direct deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Unlimited reimbursements for out-of-network ATM fees Dash iconA dash. It often indicates an interaction to shrink a section. $10 overdraft transfer charge Dash iconA dash. It often indicates an interaction to shrink a section. Limited customer support availability Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounds monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Consumers Credit Union has a strong rewards checking account. You can earn a high interest rate if you meet the requirements. How to contact customer support: Customer service representatives are available via online chat. Delta Community Credit Union Certificate of Deposit Annual Percentage Yield (APY) 0.75% to 1.75% APY Minimum Deposit Amount $1,000 Delta Community Credit Union Certificate of Deposit Annual Percentage Yield (APY) 0.75% to 1.75% APY Minimum Deposit Amount $1,000 On Delta Community Credit Union's website Delta Community Credit Union Certificate of Deposit from Delta Community Credit UnionOn Delta Community Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 0.75% to 1.75% APY Minimum Deposit Amount $1,000 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. Low-to-standard early withdrawal penalties Dash iconA dash. It often indicates an interaction to shrink a section. $1,000 opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Delta Community Credit Union's strongest products are its share certificates. You can get a competitive interest rate. If you need to withdraw money early, its penalties are lower than other institutions. How to contact customer support: Customer service representatives are available over the phone. 14. Discover BankDiscover Online Savings Account Annual Percentage Yield (APY) 2.25% APY Minimum Deposit Amount $0 Discover Online Savings Account Annual Percentage Yield (APY) 2.25% APY Minimum Deposit Amount $0 Discover Online Savings Account from DiscoverDeposit DetailsAnnual Percentage Yield (APY) 2.25% APY Rates as of 10/12/22 Show more Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No insufficient funds fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. No excess withdrawal fee Dash iconA dash. It often indicates an interaction to shrink a section. Only 1 branch location Dash iconA dash. It often indicates an interaction to shrink a section. No debit card unless you open a checking account HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Discover Bank has a great online savings account. You can earn a high interest rate, and you don't have to deal with monthly fees. How to contact customer support: Customer service representatives are available over the phone or through online chat. 15. Falcon International BankFalcon International Bank Regular Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $100 Falcon International Bank Regular Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $100 On Falcon International Bank's website Falcon International Bank Regular Checking Account from Falcon International BankOn Falcon International Bank's website Deposit DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $100 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. MasterCard debit card offering Dash iconA dash. It often indicates an interaction to shrink a section. $100 minimum opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. $35 overdraft fee Dash iconA dash. It often indicates an interaction to shrink a section. $5 fee for paper statements Dash iconA dash. It often indicates an interaction to shrink a section. $4 transaction fee for out-of-network ATMs Dash iconA dash. It often indicates an interaction to shrink a section. $5 fee if you don't use your account after 90 days HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Standout feature: Falcon International Bank has a good checking account for Texas residents. With the Falcon International Bank Regular Checking Account, there's no minimum opening deposit and zero monthly service fees. How to contact customer support: Customer service representatives are available over the phone. 16. FirstBankFirstBank Anywhere Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $0 FirstBank Anywhere Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $0 FirstBank Anywhere Checking Account from FirstBankDeposit DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protection available Dash iconA dash. It often indicates an interaction to shrink a section. $2.50 out-of-network ATM fee Dash iconA dash. It often indicates an interaction to shrink a section. $34 overdraft fee Dash iconA dash. It often indicates an interaction to shrink a section. $20/year or $10/day overdraft transfer fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Standout feature: FirstBank has over 100 branches in Arizona, California, and Colorado. Its checking account has a $0 minimum opening deposit and charges zero monthly service fees. How to contact customer support: Customer service representatives are available over the phone. 17. International Bank of CommerceInternational Bank of Commerce Free Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $10 International Bank of Commerce Free Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $10 On International Bank of Commerce's website International Bank of Commerce Free Checking Account from International Bank of CommerceOn International Bank of Commerce's website Deposit DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $10 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Low minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Unlimited check writing Check mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protection Dash iconA dash. It often indicates an interaction to shrink a section. $35 overdraft fee Dash iconA dash. It often indicates an interaction to shrink a section. $2 out-of-network transaction fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Standout feature: International Bank of Commerce has a good free checking account. This Hispanic American bank has 186 branches in Texas and Oklahoma. How to contact customer support: Customer service is available over the phone. 18. KeyBankKeyBank Smart Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $10 KeyBank Smart Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $10 KeyBank Smart Checking Account from KeyBankDeposit DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $10 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum balance Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Free overdraft protection Check mark iconA check mark. It indicates a confirmation of your intended interaction. Account alerts to avoid overdrawing Check mark iconA check mark. It indicates a confirmation of your intended interaction. $10 minimum opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. $3 out-of-network ATM fee Dash iconA dash. It often indicates an interaction to shrink a section. $20 overdraft fee
HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: KeyBank offers a checking account with zero monthly service fees and free overdraft protection. How to contact customer support: Customer service is available over the phone. Latino Community Credit Union Savings Account Annual Percentage Yield (APY) 0.15% APY Minimum Deposit Amount $10 Latino Community Credit Union Savings Account Annual Percentage Yield (APY) 0.15% APY Minimum Deposit Amount $10 On Latino Community Credit Union's website Latino Community Credit Union Savings Account from Latino Community Credit UnionOn Latino Community Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 0.15% APY Minimum Deposit Amount $10 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $10 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY compared to brick-and-mortar banks Check mark iconA check mark. It indicates a confirmation of your intended interaction. Easy to waive the monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. $2 monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. $10 needed in account daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Standout feature: Latino Community Credit Union is a Hispanic American-led credit union in North Carolina with several services geared toward Latinos, including customer support in Spanish and English. The Latino Community Credit Union Savings Account is the credit union's strongest account with no monthly fees. How to contact customer support: Customer service is available over the phone. You can also send a secure message through online banking. 20. Navy Federal Credit Union
Navy Federal Free Active Duty Checking™ Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $0 Navy Federal Free Active Duty Checking™ Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $0 On Navy Federal Credit Union's website Navy Federal Free Active Duty Checking™ Account from Navy Federal Credit UnionOn Navy Federal Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Refunds up to $20 per month in out-of-network ATM fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Receive direct deposits one day before payday Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee if you set up military direct deposits Check mark iconA check mark. It indicates a confirmation of your intended interaction. Free personalized checks Check mark iconA check mark. It indicates a confirmation of your intended interaction. 3 overdraft protection options: savings transfer, line of credit, or optional overdraft protection service Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily Dash iconA dash. It often indicates an interaction to shrink a section. Free Active Duty Checking is only for active military, retired military, or reservists HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Navy Federal Credit Union has solid account options if you're affiliated with the military. The Navy Federal Free Active Duty Checking™ Account is one of the bank's strongest accounts with the option of early direct deposit. How to contact customer support: Customer service is available over the phone. 21. Premier Members Credit UnionPremier Members Credit Union Money Market Account Annual Percentage Yield (APY) 0.10% to 2.00% APY Minimum Deposit Amount $5 Premier Members Credit Union Money Market Account Annual Percentage Yield (APY) 0.10% to 2.00% APY Minimum Deposit Amount $5 On Premier Members Credit Union's website Premier Members Credit Union Money Market Account from Premier Members Credit UnionOn Premier Members Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 0.10% to 2.00% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive interest rates for low balances Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Paper checks Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Less competitive interest rates for high balances Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounds monthly, not daily Dash iconA dash. It often indicates an interaction to shrink a section. No debit or ATM card HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: The Premier Members Credit Union Money Market Account is the credit union's standout product. It pays a high interest rate on low balances. How to contact customer support: Customer service is available over the phone. 22. Regions BankRegions LifeGreen® Savings Account Annual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $5 at a branch, $50 online Regions LifeGreen® Savings Account Annual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $5 at a branch, $50 online On Regions Bank's website Regions LifeGreen® Savings Account from Regions BankOn Regions Bank's website Deposit DetailsAnnual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $5 at a branch, $50 online Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. You could earn a 1% annual savings bonus Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum deposit when opened at a branch Dash iconA dash. It often indicates an interaction to shrink a section. $50 minimum deposit when opened online Dash iconA dash. It often indicates an interaction to shrink a section. Low APY
HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Regions Bank is featured on our best national banks guide. It has about 1,300 branch locations in 15 states and is a good option if you are searching for a bank with a national presence. How to contact customer support: Customer service is available over the phone. 23. River City Federal Credit UnionRiver City Federal Credit Union Share Certificate Annual Percentage Yield (APY) 1.75% to 3.00% APY Minimum Deposit Amount $500 River City Federal Credit Union Share Certificate Annual Percentage Yield (APY) 1.75% to 3.00% APY Minimum Deposit Amount $500 On River City Federal Credit Union's website River City Federal Credit Union Share Certificate from River City Federal Credit UnionOn River City Federal Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 1.75% to 3.00% APY Minimum Deposit Amount $500 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $500 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive interest rate, especially on long-term share certificates Check mark iconA check mark. It indicates a confirmation of your intended interaction. Standard term options Dash iconA dash. It often indicates an interaction to shrink a section. Standard early withdrawal penalties HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Standout feature: River City Federal Credit Union is a Hispanic American-led institution in Texas. It has share certificates with competitive interest rates and a $500 minimum opening deposit. How to contact customer support: Customer service is available over the phone. 24. State Employees Credit UnionState Employees Credit Union Share Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $25 State Employees Credit Union Share Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $25 On State Employees Credit Union's website State Employees Credit Union Share Account from State Employees Credit UnionOn State Employees Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $25 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Low minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Better interest rate than some brick-and-mortar banks Dash iconA dash. It often indicates an interaction to shrink a section. Online banks offer a higher interest rate Dash iconA dash. It often indicates an interaction to shrink a section. Must have $25 in account to maintain membership HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Standout feature: State Employees Credit Union has over 273 locations and 1,100 free ATMs in North Carolina. Its checking and savings accounts have low minimum opening deposits and low monthly service fees. How to contact customer support: Customer service is available over the phone. 25. Service Credit UnionService Everyday Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $0 Service Everyday Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $0 On Service Credit Union's website Service Everyday Checking Account from Service Credit UnionOn Service Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. No out-of-network ATM fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Earn up to $30 per month in out-of-network ATM refunds, depending on tier level Check mark iconA check mark. It indicates a confirmation of your intended interaction. Earn up to 0.75% discount on certain loans, depending on tier level Check mark iconA check mark. It indicates a confirmation of your intended interaction. Get paid up to 2 days early Check mark iconA check mark. It indicates a confirmation of your intended interaction. Transfer funds from savings for overdraft protection Dash iconA dash. It often indicates an interaction to shrink a section. No ATM fee refunds or loan discounts for Basic tier Dash iconA dash. It often indicates an interaction to shrink a section. Limited fee refunds and loan discounts for Direct Deposit tier Dash iconA dash. It often indicates an interaction to shrink a section. $5 overdraft transfer fee (no fee for Direct Deposit + tier) HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Service Credit Union has solid account options if you're affiliated with the military and live in New Hampshire or Massachusetts. The Service Everyday Checking Account offers a high interest rate if you meet the requirements. How to contact customer support: Customer service is available over the phone. 26. Security Service Federal Credit UnionSecurity Service Power Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $0 Security Service Power Checking Account Annual Percentage Yield (APY) None Minimum Deposit Amount $0 On Security Service Federal Credit Union's website Security Service Power Checking Account from Security Service Federal Credit UnionOn Security Service Federal Credit Union's website Deposit DetailsAnnual Percentage Yield (APY) None Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Overdraft protection available as a transfer from savings or as a line of credit Dash iconA dash. It often indicates an interaction to shrink a section. $1.50 out-of-network ATM fee Dash iconA dash. It often indicates an interaction to shrink a section. Doesn't reimburse fees charged by out-of-network ATM providers Dash iconA dash. It often indicates an interaction to shrink a section. $2 overdraft transfer fee when you exceed 3 transfers per month HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Standout feature: Security Service Credit Union has solid account options if you're affiliated with the military and live, work, or study in Colorado, Texas, and Utah. The Security Service Power Checking Account has zero monthly fees. How to contact customer support: Customer service representatives are available via online chat. 27. SynchronySynchrony Money Market Account Annual Percentage Yield (APY) 1.60% APY Minimum Deposit Amount $0 Synchrony Money Market Account Annual Percentage Yield (APY) 1.60% APY Minimum Deposit Amount $0 Synchrony Money Market Account from SynchronyDeposit DetailsAnnual Percentage Yield (APY) 1.60% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No opening deposit or minimum account balance Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Comes with an ATM card and paper checks Dash iconA dash. It often indicates an interaction to shrink a section. No physical branch locations Dash iconA dash. It often indicates an interaction to shrink a section. Only reimburses $5/month in out-of-network ATM fees HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: Synchrony Bank pays high interest rates on savings and money market accounts. How to contact customer support: Customer service representatives are available via online chat. 28. TD BankTD Simple Savings Account Annual Percentage Yield (APY) 0.02% APY Minimum Deposit Amount $0 TD Simple Savings Account Annual Percentage Yield (APY) 0.02% APY Minimum Deposit Amount $0 TD Simple Savings Account from TD BankDeposit DetailsAnnual Percentage Yield (APY) 0.02% APY Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly fee for students, or for adults under age 24 or age 62 or older Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly fee for the first 12 months, with recurring monthly deposits of $25 Check mark iconA check mark. It indicates a confirmation of your intended interaction. Mobile check deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. $5 monthly service fee
HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Standout feature: TD Bank is featured on our best national banks guide. It has over 1,200 branches across 16 states and is a solid option if you're looking for banks with a national presence. How to contact customer support: Customer service is available over the phone. 29. US BankUS Bank Standard Savings Account Annual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $25 US Bank Standard Savings Account Annual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $25 US Bank Standard Savings Account from US BankDeposit DetailsAnnual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $25 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. You may qualify to waive the monthly fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. $4 monthly service fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Standout feature: US Bank is featured on our best national banks guide. It has over 3,000 branches across 26 states and is a good option if you're looking for banks with a national presence. How to contact customer support: Customer service is available over the phone. Frequently asked questionsCustomer service varies at different financial institutions. Some of the options on this list have 24/7 customer support over the phone. Others offer support through live chat or email. We include several different types of banks — online banks, national banks, and local banks — so you can see that there are many options out there. You can explore and compare different institutions with 24/7 customer service until you find the right one. If you've found it challenging to bank during normal business hours in the past, you may want to find a bank that offers 24/7 customer support. That way, you can contact a customer service representative when other banks may be closed — after work hours or during the weekend. When looking at customer service, it's also a good idea to learn more about the bank's history. Our reviews have a section on trustworthiness that includes any public controversies an institution has been involved in within the last three years. We also include ratings from the Better Business Bureau, which looks at how an institution responds to customer complaints.
Sophia Acevedo, CEPF Junior Banking Reporter Sophia Acevedo is a junior banking reporter at Insider who covers banking and savings for Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF). She joined Insider in July 2021 as a fellow for the Personal Finance Insider Reviews team. Before joining the Insider team, she was a freelancer based in Los Angeles and worked briefly in publishing. She also graduated from California State University Fullerton in 2020. You can reach out to her on Twitter at @sophieacvdo or send a quick email at . Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >> Read more Read less Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. **Enrollment required. Related articlesMore... Does Bank of America have 24/7 customer service?For lost or stolen credit cards call phone number for lost or stolen credit cards 800.732. 9194. Customer service for lost or stolen cards is available 24 hours a day, 7 days a week. If you're calling from outside the U.S., please use the international 800 access code from your country of origin.
How do I talk to Bank of America customer service?Contact us. Contact us.. Schedule an appointment.. Schedule an appointment.. Call us.. Phone number:844.375.7028.. Does Bank of America have a customer service chat?We're always adding products and services to our online chat capabilities. To see if chat is available for a specific product or service, log in to Online Banking and select the Help & Support tab, then select Contact us.
How do I unlock my Bank of America account?Using the Mobile Banking app 2 or Online Banking:. Go to Menu.. Select Manage Debit Card/Credit Card.. Select the card you want to manage.. Toggle to Lock or Unlock under the card image.. |