Bank of america personal account customer service

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• Several banks offer 24/7 customer service by phone or live chat.
• Other banks may have limited hours during the workweek or weekend.
• If you find it challenging to do banking tasks during business hours, consider changing banks.

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.

Banks with 24/7 customer support by phone or live chat

1. Alliant Credit Union

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

Alliant High-Interest Checking Account from Alliant Credit Union

On Alliant Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

0.25% APY

Minimum Deposit Amount

$0

Pros & Cons

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Earn interest

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No minimum opening deposit

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No monthly service fees

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$20/month in out-of-network ATM fee refunds

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No overdraft fees

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No incoming wire transfer fee

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Compounds interest monthly, not daily

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$25 outgoing wire transfer fee

Highlights

• Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
• 80,000+ free ATMs
• Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.
• Interest compounded monthly
• Federally insured by the NCUA

Additional Reading

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 Bank

Ally 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 Ally

Deposit Details

Annual Percentage Yield (APY)

2.25% APY

Minimum Deposit Amount

$0

Pros & Cons

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High APY

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No minimum opening deposit

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No monthly service fees

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Savings buckets help you save for different goals

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Surprise savings transfers help you save extra money from your checking account

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No physical branch locations

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No way to deposit cash

Highlights

• Create separate savings buckets in a savings account
• Link to your Ally checking account and enroll in surprise savings transfers to have extra money transferred to savings three times per week
• Interest compounded daily, paid monthly
• FDIC insured

Additional Reading

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 Bank

American 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 Details

Annual Percentage Yield (APY)

2.15% APY (as of 10/06/2022)

Minimum Deposit Amount

$0

Pros & Cons

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Competitive APY

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No monthly service fees

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No opening deposit or minimum account balance

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24/7 phone support

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No excess transaction fee

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No mobile app for banking customers

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You must make a deposit within the first 60 days

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No live online chat

Highlights

• FDIC Insured
• 24/7 account access
• Earns interest daily, and posts to account monthly

Additional Reading

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 Bank

Axos 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 Axos

Deposit Details

Annual Percentage Yield (APY)

Up to 1.25% APY

Minimum Deposit Amount

$50

Pros & Cons

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High APY

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Unlimited out-of-network ATM reimbursements

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No monthly maintenance fees

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No overdraft fees

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No non-sufficient funds fees

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$50 opening deposit

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No APY if you can't meet qualifications

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Few mobile app reviews

Highlights

• Use the promo code RC100 when you apply for a Rewards Checking account by 12/31/22. Then have qualifying direct deposit(s) to earn up a $100 welcome bonus!
• Zero monthly maintenance fees
• Zero overdraft or NSF fees
• Zero minimum monthly balance reqs
• Unlimited domestic ATM fee reimbursements
• Online debit card management
• Simple, 3-step process for direct deposit
• Only $50 to open an account

Additional Reading

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 Union

Blue 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 Union

On Blue Federal Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

1.00% to 2.00% APY

Minimum Deposit Amount

$0

Pros & Cons

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Earn interest

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Earn higher interest the longer you bank with Blue FCU

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No monthly service fee

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No minimum opening deposit

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No out-of-network ATM fee

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Refunds up to $28/month in ATM fees charged by out-of-network providers

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$30 overdraft fee

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If you overdraw by over $1,000, your purchase is declined

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Interest compounded monthly, not daily

Highlights

• 19 branches in Colorado and Wyoming
• Become a Blue FCU member with $5
• 30,000+ free ATMs, 5,000+ shared branches worldwide
• To earn interest, make 10 monthly debit card transactions, AND enroll in e-statements, AND do one of the following each month: receive a direct deposit, use online bill pay, or make an ACH deposit or withdrawal
• If you meet these criteria, earn 1.00% to 2.00% APY on balances up to $15,000, and 0.05% on balances over $15,000
• Earn 1.00% as a silver member, 1.50% as a gold member, and 2.00% as a sapphire member
• Membership levels depend on your number of Blue FCU products, balances in accounts and loans, and number of years with Blue FCU
• Interest compounded and paid monthly
• Federally insured by the NCUA

Additional Reading

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 360

Capital 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 One

Deposit Details

Annual Percentage Yield (APY)

2.30% APY

Minimum Deposit Amount

$0

Pros & Cons

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Competitive APY

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No opening deposit or minimum account balance

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No monthly service fee

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Easy to save for various goals

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24/7 live chat

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Limited access to customer service by phone

Highlights

• Over 470 branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
• Interest compounded daily, paid monthly
• FDIC insured

Additional Reading

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 Schwab

Schwab 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 Bank

On Charles Schwab Bank's website

Deposit Details

Annual Percentage Yield (APY)

0.40% APY

Minimum Deposit Amount

$0

Pros & Cons

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No opening deposit

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No minimum account balance

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Unlimited out-of-network ATM reimbursements

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No foreign transaction fees

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Free overdraft protection

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Must also open a Schwab One brokerage account

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$25 overdraft fee if you don't enroll in protection

Highlights

• 24/7 live online chat
• No ATM network, but unlimited ATM fee reimbursements
• Interest compounded daily, paid monthly
• FDIC insured

Additional Reading

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. Chase

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

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 Chase

Deposit Details

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

Pros & Cons

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No minimum opening deposit

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Relatively easy to waive $5 monthly fee

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Link to a Chase checking account for free overdraft protection

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Low APY

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Interest compounded monthly, not daily

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$5 monthly service fee

Highlights

• Access to 16,000 Chase ATMs and over 4,700 branches
• Link this account to your Chase checking account for Overdraft Protection
• Waive $5 monthly service when you maintain a $300 balance, automatically transfer $25 each month from your Chase checking account, link to Chase College Checking for Overdraft Protection, link to a qualifying Chase checking account, or are under age 18
• Manage your accounts, deposit checks, transfer money and more — all from your device
• Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
• Member FDIC

Additional Reading

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 Chime

Deposit Details

Annual Percentage Yield (APY)

1.50% APY

Minimum Deposit Amount

$0

Pros & Cons

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Competitive APY

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No minimum opening deposit

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No monthly service fee

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Option to round debit card purchases to the nearest dollar and put spare change in savings account

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Option to automatically save a percentage of your paycheck

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Must open Chime Spending Account before savings account

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Deposit cash at Green Dot locations, which may charge fee

Highlights

• Round debit card purchases to the nearest dollar to put spare change into savings account
• Set up a percentage of your paychecks to be put into savings account
• Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Additional Reading

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 Bank

CIT 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 Bank

Deposit Details

Annual Percentage Yield (APY)

3.00% APY

Minimum Deposit Amount

$100

Pros & Cons

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Competitive APY

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No monthly service fees

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No minimum monthly balance requirement

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$100 minimum opening deposit

Highlights

• Interest compounded daily, paid monthly
• FDIC insured

Additional Reading

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. Citibank

Annual 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 Citi

Deposit Details

Annual Percentage Yield (APY)

2.20% APY

Minimum Deposit Amount

$0

Pros & Cons

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High APY (minimum $1 balance to earn)

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No opening deposit

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You may pay a monthly fee, depending on a variety of factors

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Other fees depend on which checking account you link to your savings account

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Not available in certain states

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BBB gives Citi an F in trustworthiness

Highlights

• Monthly fee depends on whether you link to a Citi checking account, and which checking account you choose
• You may qualify to have the monthly fee waived, depending on which checking/savings package you have
• No opening deposit
• Compounding interest to maximize your savings
• Not available in CA, CT, IL, MD, NV, NJ, NY, VA, DC, certain parts of FL, and Puerto Rico

Additional Reading

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 Union

Consumers 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 Union

On Consumers Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

0.01% to 5% APY

Minimum Deposit Amount

$5

Pros & Cons

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High APY

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$5 minimum opening deposit

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No monthly service fee

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Early direct deposit

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Unlimited reimbursements for out-of-network ATM fees

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$10 overdraft transfer charge

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Limited customer support availability

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Interest compounds monthly, not daily

Highlights

• To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5
• 14 open branches in Chicago, Illinois, and nearby cities
• Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network
• Earn 3% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits
• Earn 4% on balances up to $10k when you meet qualifications for 3% and spend $500/month with your CCU credit card
• Earn 5% on balances up to $10k when you meet qualifications for 3% and spend $1,000/month with your CCU credit card
• Earn 0.20% APY on balances between $10k and $25k
• Earn 0.10% APY on balances over $25k
• If you don't meet the requirements to earn a rewards interest rate, you'll earn 0.01% APY and you won't get ATM refunds
• Interest compounded and deposited monthly
• Federally insured by the NCUA

Additional Reading

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 Union

On Delta Community Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

0.75% to 1.75% APY

Minimum Deposit Amount

$1,000

Pros & Cons

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Competitive APY

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Low-to-standard early withdrawal penalties

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$1,000 opening deposit

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Interest compounded monthly, not daily

Highlights

• Credit union with 27 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
• Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
• Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
• Term lengths of 6, 12, 24, 36, or 60 months
• Early withdrawal penalties ranging from 60 to 270 days interest
• Interest is compounded monthly and paid monthly

Additional Reading

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 Bank

Discover 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 Discover

Deposit Details

Annual Percentage Yield (APY)

2.25% APY

Rates as of 10/12/22

Show more

Minimum Deposit Amount

$0

Pros & Cons

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Competitive APY

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No monthly service fee

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No opening deposit

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No insufficient funds fee

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No excess withdrawal fee

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Only 1 branch location

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No debit card unless you open a checking account

Highlights

• No monthly balance requirements
• 100% US-based customer service available 24/7
• No hidden fees
• Interest compounded daily, paid monthly
• FDIC insured

Additional Reading

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 Bank

Falcon 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 Bank

On Falcon International Bank's website

Deposit Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$100

Pros & Cons

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No monthly service fee

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MasterCard debit card offering

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$100 minimum opening deposit

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$35 overdraft fee

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$5 fee for paper statements

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$4 transaction fee for out-of-network ATMs

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$5 fee if you don't use your account after 90 days

Highlights

• Hispanic American-owned
• 22 ATM locations, $4 transaction fee for out-of-network ATMs
• With overdraft protection there is a $35 charge
• 18 branches in Texas
• Member FDIC

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. FirstBank

FirstBank 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 FirstBank

Deposit Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Pros & Cons

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No minimum opening deposit

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No monthly service fees

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Overdraft protection available

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$2.50 out-of-network ATM fee

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$34 overdraft fee

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$20/year or $10/day overdraft transfer fee

Highlights

• Access to over 100 locations and 200 ATMs in AZ, CA, CO
• Overdraft protection plans that lets you link your checking account to a savings account
• If you utilize overdraft protection, there's either a $20/year or $10/day transfer fee
• Member FDIC

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 Commerce

International 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 Commerce

On International Bank of Commerce's website

Deposit Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$10

Pros & Cons

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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

Highlights

• Hispanic American-led bank
• 186 branches throughout Texas and Oklahoma
• Over 280 free ATMs
• $2 fee on each out-of-network ATM transaction
• Member FDIC

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. KeyBank

KeyBank 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 KeyBank

Deposit Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$10

Pros & Cons

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

Highlights

• Over 900 branches in 16 states across the US
• Over 50,000 free ATMs through the KeyBank and Allpoint ATM networks
• To avoid overdraft fees, you may link your checking account to a savings account or get a a line of credit
• Key Cover Zone allows you to overdraw up to $20 from your account and you won't be charged overdraft fees as long as you restore your account balance by the end of the day
• Member FDIC

Additional Reading

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 Union

On Latino Community Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

0.15% APY

Minimum Deposit Amount

$10

Pros & Cons

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

Highlights

• Credit union that serves a Hispanic American community
• 15 branches in North Carolina (Charlotte, Piedmont Triad, Triangle)
• To become a member, you will need to pay a $10 membership fee
• Access to over 1,300 free Cashpoints ATMs throughout North Carolina
• To earn APY, keep at least $10 in your account daily
• To waive the monthly service fee, keep at least $10 in your account daily
• Interest compounded daily, deposited monthly
• Federally insured by the NCUA

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 Union

On Navy Federal Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

0.05% APY

Minimum Deposit Amount

$0

Pros & Cons

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

Highlights

• Available to active military, retired military, or reservists
• Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
• 247 branches worldwide, including on select military bases
• 30,000 free ATMs
• Interest compounded monthly, paid monthly
• Federally insured by the NCUA

Additional Reading

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 Union

Premier 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 Union

On Premier Members Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

0.10% to 2.00% APY

Minimum Deposit Amount

$5

Pros & Cons

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

Highlights

• 13 branches in Colorado, or open an account online from around the US
• Over 5,000 shared branches in the US
• There are many ways to become a member if you live in Colorado, or join Impact on Education if you don't otherwise qualify
• Reverse-tiered account, with 7 tiers
• Earn high rates on balances under $10,000, with highest rates under $2,000
• Interest compounded monthly, paid monthly
• Federally insured by the NCUA

Additional Reading

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 Bank

Regions 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 Bank

On Regions Bank's website

Deposit Details

Annual Percentage Yield (APY)

0.01% APY

Minimum Deposit Amount

$5 at a branch, $50 online

Pros & Cons

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

Highlights

• 1,500 branch locations in 15 states
• 2,200 free ATMs
• To earn the 1% annual bonus (up to $100), set up monthly automatic transfers from your Regions checking account to your LifeGreen Savings account
• Interested compounded daily, paid monthly
• FDIC insured

Additional Reading

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 Union

River 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 Union

On River City Federal Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

1.75% to 3.00% APY

Minimum Deposit Amount

$500

Pros & Cons

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

Highlights

• Credit union that serves a Hispanic American community
• 4 branches in San Antonio, Texas, plus part of the CO-Op Shared network branches
• You can join if you live, work, or go to school in Bexar County
• Terms range from 6 months to 5 years
• Early withdrawal penalties: 90 days of interest on 6-month and 1-year terms; 180 days of interest on 2-year terms; 1 year of interest on 3-year and 4-year terms; 2 years of interest on 5-year terms
• Interest compounded and deposited monthly
• Federally insured by the NCUA

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 Union

State 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 Union

On State Employees Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

0.10% APY

Minimum Deposit Amount

$25

Pros & Cons

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

Highlights

• 273 branches in North Carolina
• Access to 1,100 ATMs in North Carolina
• Interest compounded and deposited monthly
• Federally insured by the NCUA

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 Union

Service 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 Union

On Service Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Pros & Cons

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)

Highlights

• Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council
• Branches and ATMs in the US and Europe
• Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +
• Basic doesn't reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans
• Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month
• Federally insured by the NCUA

Additional Reading

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 Union

Security 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 Union

On Security Service Federal Credit Union's website

Deposit Details

Annual Percentage Yield (APY)

None

Minimum Deposit Amount

$0

Pros & Cons

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

Highlights

• Join Security Service FCU if you are a member of select military branches at certain military bases; are an employee of the Department of Defense; live, work, worship, study, volunteer, or have a business in CO, TX, or UT; are related to someone who is already a Security Service FCU member
• 67 branches in CO, TX, and UT; 5,000 shared branches in the CO-OP network
• Over 30,000 free ATMs in the Security Service FCU, CO-OP, and Stripes networks
• Federally insured by the NCUA

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. Synchrony

Synchrony 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 Synchrony

Deposit Details

Annual Percentage Yield (APY)

1.60% APY

Minimum Deposit Amount

$0

Pros & Cons

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

Highlights

• Access your cash online, by phone, or via ATM
• No opening deposit or minimum account balance
• Comes with a debit card and paper checks

Additional Reading

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 Bank

TD 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 Bank

Deposit Details

Annual Percentage Yield (APY)

0.02% APY

Minimum Deposit Amount

$0

Pros & Cons

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

Highlights

• No monthly service fee for students, adults under age 24 or age 62 or older
• Waive $5 monthly service fee by maintaining $300 minimum daily balance
• No monthly fee for the first 12 months if you make recurring $25 monthly deposits
• Interest compounded daily
• FDIC insured

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 Bank

US 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 Bank

Deposit Details

Annual Percentage Yield (APY)

0.01% APY

Minimum Deposit Amount

$25

Pros & Cons

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

Highlights

• Over 2,000 branches in 26 US states
• Free access to around 4,700 ATMs
• Waive $4 monthly service fee by maintaining a $300 daily balance, OR average $1,000 monthly balance, OR being under age 18
• Interest compounded daily, paid monthly
• FDIC insured

Additional Reading

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 questions

Customer 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 >>

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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.

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