5 Best Savings Accounts of 2024

Earn up to 3.80% APY¹ & $50 or $400 when you sign up and set up eligible direct deposit.²

• $0 minimum balance to earn APY
• Open Checking & Savings Accounts with one sign-up
• Up to 2-day-early paycheck³
• FDIC Insured up to $250k plus up to $3M in supplemental insurance⁷
• No account fees³ & no-fee overdraft coverage⁶

*Rate as of 12/31/26

Open SoFi Account Today

• No monthly service fees
• ATM fee reimbursements
• Free identity theft resolution services
• Travel discounts
• Free online transfers
• No monthly balance requirement

Earn 2.00%* APY on your deposits*

• No minimum opening deposit
• No monthly service fees
• No minimum balance required
• No-fee overdraft protection up to $200
• Get cash at more than 60,000+ fee-free ATMs
• No foreign transaction fees

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Chime Checking Account is required to be eligible for a Savings Account. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of May 10, 2023. No minimum balance required. Must have $0.01 in savings to earn interest. Chime SpotMe is an optional service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

• Unlimited ATM fee refunds
• Free money transfers
• FDIC-insured 
• Award-winning mobile app
• Online bill pay services
• Repayment flexibility for line of credit account

• High-Rate Savings, Supplemental Savings, and Kids Savings Accounts
• Open multiple savings accounts, easily move money between them
• Membership is quick and easy for almost anyone
• Access anywhere with Alliant online banking and mobile app
• Withdrawals and deposits at thousands of ATM nationwide
• No monthly fee with eStatements
• 24/7 member support

• Open checking or savings with no minimum opening deposit
• Easily move money between your Citi and non-Citi accounts
• Deposit checks from your mobile device
• Pay bills online
• Add debit card to mobile wallets
• Thousands of fee-free ATMs throughout the US

Earn an industry leading 5.1% APY* with Public's High-Yield Cash Account

• No fees or subscription required
• No minimum balance requirements
• No maximum balance limits
• Unlimited transfers and withdrawals 
• FDIC coverage of up to $5M

*As of 12/14/2023, annual Percentage Yield (APY) is variable and may change without notice. A High-Yield Cash Account is a secondary brokerage account with Public Investing, member FINRA and SIPC. Funds from this account are automatically deposited into partner banks where they earn a variable interest and are eligible for FDIC insurance. Neither Public Investing nor any of its affiliates is a bank. US only.