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up to $250,000

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Higher Rates vs National Average

Best Online Bank Accounts of 2023

We check thousands of banks daily, providing our most comprehensive rate comparison chart. Our savings accounts are FDIC insured up to $250,000, making your deposit the safest in the world. Confidently select the highest yield accounts from our curated selection and start earning more interest today.

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Savings, Money Market Accounts, & Checking

4.50% APY
Rates as of 9/30/2023
  • No minimum to earn APY
  • Rate: 4.50%
  • No Monthly Fees
  • Write Checks: No
5.05% APY
Rates as of 9/30/2023
  • Min to Earn APY: $5,000
  • Rate: 4.93%
  • No Monthly Fees
  • Write Checks: No
4.50% APY
Rates as of 9/30/2023
  • No minimum to earn APY
  • Rate: 4.50%
  • No Monthly Fees
  • Write Checks: No
5.00% APY
Rates as of 9/30/2023
  • No minimum to earn APY
  • Rate: 4.88%
  • No Monthly Fees
  • Write Checks: No
4.75% APY
Rates as of 9/30/2023
  • No minimum to earn APY
  • Rate: 4.75%
  • No Monthly Fees
  • Write Checks: No
5.00% APY
Rates as of 9/30/2023
  • No minimum to earn APY
  • Rate: 4.88%
  • No Monthly Fees
  • Write Checks: No
5.00% APY
Rates as of 9/30/2023
  • No minimum to earn APY
  • Rate: 5.00%
  • No Monthly Fees
  • Write Checks: No
4.35% APY
Rates as of 9/30/2023
  • No minimum to earn APY
  • Rate: 4.35%
  • No Monthly Fees
  • Write Checks: No
5.00% APY
Rates as of 9/30/2023
  • Min to Earn APY: $500
  • Rate: 4.89%
  • No Monthly Fees
  • Write Checks: No
5.00% APY
Rates as of 9/30/2023
  • No minimum to earn APY
  • Rate: 5.00%
  • No Monthly Fees
  • Write Checks: Yes
More Banks APY Rate For APY As of date
Burke & Herbert Bank & Trust Company MMA $10k 0.01% 0.01% $10,000 9/29/2023
Truist MMA $10k 0.01% 0.01% $10,000 9/29/2023
Amerant Bank MMA $10k 0.01% 0.01% $10,000 9/29/2023
Bank of Hope MMA 0.01% 0.01% $2,500 9/29/2023
Burke & Herbert Bank & Trust Company MMA 0.01% 0.01% $1,000 9/29/2023
Bank of Hope Savings 0.01% 0.01% $500 9/29/2023
Bank of America Savings 0.01% 0.01% $100 9/29/2023
Amerant Bank MMA 0.01% 0.01% $100 9/29/2023
Truist Savings 0.01% 0.01% $50 9/29/2023
Truist MMA 0.01% 0.01% $50 9/29/2023
USAA Federal Savings Bank Savings 0.01% 0.01% $25 9/29/2023
Applied Bank MMA 0.02% 0.02% $500 9/29/2023
TD Bank, NA Savings 0.02% 0.02% $1 9/22/2023
TD Bank, NA Savings $25k 0.02% 0.02% $25,000 9/22/2023
TD Bank, NA Savings $10k 0.02% 0.02% $10,000 9/22/2023
Armed Forces Bank, N.A. Savings $25k 0.03% 0.03% $25,000 9/29/2023
Burke & Herbert Bank & Trust Company MMA $25k 0.03% 0.03% $25,000 9/29/2023
Armed Forces Bank, N.A. Savings $10k 0.03% 0.03% $10,000 9/29/2023
Armed Forces Bank, N.A. Savings 0.03% 0.03% $25 9/29/2023
Burke & Herbert Bank & Trust Company Savings 0.05% 0.05% $50 9/29/2023
Applied Bank Savings 0.05% 0.05% $100 9/29/2023
Union Bank (Michigan) Savings 0.05% 0.05% $50 9/29/2023
Pendleton Community Bank, Inc. Savings 0.05% 0.05% $50 9/29/2023
Northwest Federal Credit Union Savings 0.05% 0.05% $1 9/29/2023
Amerant Bank Savings 0.05% 0.05% $50 9/29/2023
Washington Savings Bank Savings 0.05% 0.05% $50 9/29/2023
State Department Federal Credit Union Savings 0.05% 0.05% $1 9/29/2023
America First FCU Savings 0.05% 0.05% $1 9/29/2023
Langley FCU Savings 0.05% 0.05% $100 9/29/2023
Langley FCU MMA 0.05% 0.05% $100 9/29/2023
Northwest Federal Credit Union Savings $25k 0.05% 0.05% $25,000 9/29/2023
Old Dominion National Bank Savings 0.05% 0.05% $100 9/29/2023
Washington Savings Bank MMA 0.05% 0.05% $2,500 9/29/2023
Pendleton Community Bank, Inc. Savings $25k 0.05% 0.05% $25,000 9/29/2023
Burke & Herbert Bank & Trust Company Savings $25k 0.05% 0.05% $25,000 9/29/2023
State Department Federal Credit Union Savings $25k 0.05% 0.05% $25,000 9/29/2023
Langley FCU Savings $25k 0.05% 0.05% $25,000 9/29/2023
Pendleton Community Bank, Inc. Savings $10k 0.05% 0.05% $10,000 9/29/2023
Burke & Herbert Bank & Trust Company Savings $10k 0.05% 0.05% $10,000 9/29/2023
State Department Federal Credit Union Savings $10k 0.05% 0.05% $10,000 9/29/2023
Langley FCU Savings $10k 0.05% 0.05% $10,000 9/29/2023
Northwest Federal Credit Union Savings $10k 0.05% 0.05% $10,000 9/29/2023
Bethpage Federal Credit Union Savings $10k 0.10% 0.10% $10,000 9/29/2023
Schools First FCU Savings 0.10% 0.10% $5 9/22/2023
Bethpage Federal Credit Union Savings 0.10% 0.10% $5 9/29/2023
Apple Federal Credit Union Savings 0.10% 0.10% $5 9/29/2023
United Bank Savings 0.10% 0.10% $2,500 9/29/2023
Schools First FCU Savings $10k 0.10% 0.10% $10,000 9/22/2023
Old Dominion National Bank Savings $10k 0.10% 0.10% $10,000 9/29/2023
Apple Federal Credit Union Savings $10k 0.10% 0.10% $10,000 9/29/2023
Schools First FCU Savings $25k 0.10% 0.10% $25,000 9/22/2023
Bethpage Federal Credit Union Savings $25k 0.10% 0.10% $25,000 9/29/2023
Apple Federal Credit Union Savings $25k 0.10% 0.10% $25,000 9/29/2023
Old Dominion National Bank Savings $25k 0.10% 0.10% $25,000 9/29/2023
Wells Fargo Savings 0.15% 0.15% $25 9/29/2023
CIBC Bank USA MMA 0.15% 0.15% $1 9/29/2023
Union Bank (Michigan) Savings $10k 0.15% 0.15% $10,000 9/29/2023
Union Bank (Michigan) Savings $25k 0.20% 0.20% $25,000 9/29/2023
Connexus Credit Union MMA 0.25% 0.25% $1,000 9/29/2023
Axos Bank MMA 0.25% 0.25% $1 9/29/2023
TAB Bank MMA 0.25% 0.25% $25 9/29/2023
Sandy Spring Bank Savings 0.25% 0.25% $25 9/28/2023
Wells Fargo MMA 0.25% 0.25% $50 9/29/2023
Connexus Credit Union Savings 0.25% 0.25% $100 9/29/2023
Lone Star Bank MMA 0.25% 0.25% $250 9/29/2023
Presidential Bank, FSB MMA 0.25% 0.25% $1,000 9/29/2023
Northpointe Bank Savings 0.25% 0.25% $100 9/29/2023
WebBank Savings 0.25% 0.25% $1,000 9/29/2023
Northpointe Bank MMA 0.25% 0.25% $2,500 9/29/2023
Axos Bank MMA $10k 0.25% 0.25% $10,000 9/29/2023
Sandy Spring Bank MMA 0.25% 0.25% $2,500 9/28/2023
Wells Fargo MMA $10k 0.25% 0.25% $10,000 9/29/2023
Sandy Spring Bank MMA $10k 0.25% 0.25% $10,000 9/28/2023
Sandy Spring Bank Savings $10k 0.25% 0.25% $10,000 9/28/2023
Sandy Spring Bank MMA $25k 0.25% 0.25% $25,000 9/28/2023
Sandy Spring Bank Savings $25k 0.25% 0.25% $25,000 9/28/2023
Presidential Bank, FSB MMA $10k 0.30% 0.30% $10,000 9/29/2023
First Horizon Bank Savings 0.30% 0.30% $50 9/29/2023
First Horizon Bank Savings $10k 0.30% 0.30% $10,000 9/29/2023
First Horizon Bank Savings $25k 0.30% 0.30% $25,000 9/29/2023
Woodforest National Bank MMA $25k 0.35% 0.35% $25,000 9/29/2023
Northpointe Bank Savings $10k 0.35% 0.34% $10,000 9/29/2023
Northpointe Bank MMA $10k 0.35% 0.34% $10,000 9/29/2023
Woodforest National Bank Savings $10k 0.35% 0.35% $10,000 9/29/2023
Woodforest National Bank MMA $10k 0.35% 0.35% $10,000 9/29/2023
Woodforest National Bank Savings 0.35% 0.35% $25 9/29/2023
Woodforest National Bank MMA 0.35% 0.35% $25 9/29/2023
Lone Star Bank Savings 0.40% 0.40% $200 9/29/2023
Union Bank (Michigan) MMA $25k 0.45% 0.45% $25,000 9/29/2023
Union Bank (Michigan) MMA $10k 0.45% 0.45% $10,000 9/29/2023
CIBC Bank USA MMA $10k 0.45% 0.45% $10,000 9/29/2023
Union Bank (Michigan) MMA 0.45% 0.45% $5,000 9/29/2023
Charles Schwab Bank Savings 0.48% 0.48% $0 9/29/2023
Woodforest National Bank Savings $25k 0.50% 0.50% $25,000 9/29/2023
GTE Financial Credit Union MMA 0.50% 0.50% $2,500 9/29/2023
Apple Federal Credit Union MMA 0.50% 0.50% $5 9/29/2023
Boeing Employees Credit Union Savings 0.50% 0.50% $1 9/29/2023
Presidential Bank, FSB Savings 0.50% 0.50% $500 9/29/2023
First Horizon Bank MMA $25k 0.60% 0.60% $25,000 9/29/2023
First Horizon Bank MMA $10k 0.60% 0.60% $10,000 9/29/2023
First Horizon Bank MMA 0.60% 0.60% $50 9/29/2023
Axos Bank Savings 0.61% 0.61% $250 9/29/2023
Northwest Federal Credit Union MMA $10k 0.64% 0.64% $10,000 9/29/2023
Northwest Federal Credit Union MMA 0.64% 0.64% $1 9/29/2023
GTE Financial Credit Union MMA $10k 0.65% 0.65% $10,000 9/29/2023
Fulton Bank, NA MMA 0.70% 0.70% $1,000 9/29/2023
Northwest Federal Credit Union MMA $25k 0.72% 0.72% $25,000 9/29/2023
FinWise Bank Savings 0.75% 0.75% $500 9/29/2023
GTE Financial Credit Union Savings 0.75% 0.75% $100 9/29/2023
Langley FCU MMA $10k 0.75% 0.75% $10,000 9/29/2023
FinWise Bank MMA 0.75% 0.75% $1,000 9/29/2023
Schools First FCU MMA 0.75% 0.75% $2,000 9/22/2023
First Internet Bank of Indiana Savings 0.80% 0.80% $25 9/29/2023
Amalgamated Bank Savings 0.81% 0.81% $1 9/29/2023
Amalgamated Bank MMA 0.90% 0.90% $100 9/29/2023
Amalgamated Bank MMA $10k 0.90% 0.90% $10,000 9/29/2023
Fulton Bank, NA MMA $10k 0.99% 0.99% $10,000 9/29/2023
Old Dominion National Bank MMA 1.00% 1.00% $1,000 9/29/2023
Amalgamated Bank Savings $10k 1.00% 1.00% $10,000 9/29/2023
Schools First FCU MMA $10k 1.00% 0.99% $10,000 9/22/2023
Old Dominion National Bank MMA $10k 1.00% 1.00% $10,000 9/29/2023
Amalgamated Bank Savings $25k 1.00% 1.00% $25,000 9/29/2023
Schools First FCU MMA $25k 1.00% 0.99% $25,000 9/22/2023
Langley FCU MMA $25k 1.00% 1.00% $25,000 9/29/2023
Old Dominion National Bank MMA $25k 1.00% 1.00% $25,000 9/29/2023
Bethpage Federal Credit Union MMA $25k 1.15% 1.14% $25,000 9/29/2023
Bethpage Federal Credit Union MMA $10k 1.15% 1.14% $10,000 9/29/2023
Bethpage Federal Credit Union MMA 1.15% 1.14% $500 9/29/2023
Fulton Bank, NA MMA $25k 1.20% 1.19% $25,000 9/29/2023
State Department Federal Credit Union MMA 1.21% 1.20% $2,000 9/29/2023
State Department Federal Credit Union MMA $10k 1.21% 1.20% $10,000 9/29/2023
State Department Federal Credit Union MMA $25k 1.26% 1.25% $25,000 9/29/2023
Apple Federal Credit Union MMA $10k 1.30% 1.29% $10,000 9/29/2023
Armed Forces Bank, N.A. MMA 1.30% 1.29% $25 9/29/2023
Amalgamated Bank MMA $25k 1.31% 1.30% $25,000 9/29/2023
Banesco USA Savings 1.35% 1.34% $100 9/29/2023
Apple Federal Credit Union MMA $25k 1.35% 1.34% $25,000 9/29/2023
Banesco USA MMA $10k 1.35% 1.35% $10,000 9/29/2023
Banesco USA MMA 1.35% 1.35% $2,500 9/29/2023
Bank5 Connect Savings 1.50% 1.49% $100 9/29/2023
America First FCU MMA 1.50% 1.49% $1 9/29/2023
Armed Forces Bank, N.A. MMA $10k 1.50% 1.49% $10,000 9/29/2023
BankPurely, a division of Flushing Bank Savings 1.50% 1.49% $100 9/29/2023
FinWise Bank MMA $10k 1.51% 1.50% $10,000 9/29/2023
CIT Bank, N.A MMA 1.55% 1.54% $100 9/29/2023
Armed Forces Bank, N.A. MMA $25k 1.60% 1.59% $25,000 9/29/2023
America First FCU MMA $10k 1.70% 1.69% $10,000 9/29/2023
Virginia Credit Union MMA $10k 2.00% 1.98% $10,000 9/29/2023
Boeing Employees Credit Union MMA $10k 2.02% 2.00% $10,000 9/29/2023
Boeing Employees Credit Union MMA 2.02% 2.00% $1 9/29/2023
Virginia Credit Union MMA $25k 2.50% 2.47% $25,000 9/29/2023
Varo Bank Savings 3.00% 2.96% $1 9/29/2023
Northpointe Bank MMA $25k 3.25% 3.20% $25,000 9/29/2023
Northpointe Bank Savings $25k 3.25% 3.20% $25,000 9/29/2023
Pendleton Community Bank, Inc. MMA 3.50% 3.50% $25,000 9/29/2023
Pendleton Community Bank, Inc. MMA $10k 3.50% 3.50% $10,000 9/29/2023
Everbank, NA MMA 3.75% 3.68% $0 9/29/2023
First Internet Bank of Indiana MMA 3.76% 3.70% $100 9/29/2023
Live Oak Bank Savings 4.15% 4.07% $0 9/30/2023
Discover Bank MMA 4.20% 4.11% $0 9/29/2023
Quorum Federal Credit Union Savings 4.25% 4.16% $1 9/29/2023
Morgan Stanley Private Bank Savings 4.25% 4.16% $1 9/29/2023
Ally Bank Savings 4.25% 4.16% $0 9/29/2023
Discover Bank Savings 4.30% 4.21% $0 9/29/2023
American Express Savings 4.30% 4.21% $0 9/30/2023
Capital One, NA Savings 4.30% 4.22% $0 9/29/2023
Colorado Federal Savings Bank Savings 4.40% 4.33% $1 9/29/2023
Quontic Bank Savings 4.50% 4.40% $100 9/29/2023
Citizens Access Savings 4.50% 4.39% $1 9/29/2023
Sallie Mae Bank Savings 4.50% 4.40% $0 9/29/2023
Sallie Mae Bank MMA 4.75% 4.64% $0 9/29/2023
CIBC Bank USA Savings 4.76% 4.66% $1 9/30/2023
DollarSavingsDirect Savings 5.00% 4.88% $1 9/25/2023
VirtualBank MMA 5.00% 4.89% $1 9/29/2023
Quontic Bank MMA 5.00% 4.88% $100 9/29/2023
MyBankingDirect Savings 5.00% 4.88% $500 9/29/2023
Rising Bank Savings 5.00% 4.89% $1,000 9/29/2023
Salem Five Direct Savings 5.01% 4.89% $10 9/29/2023
TAB Bank Savings 5.02% 4.90% $0 9/29/2023
BankPurely, a division of Flushing Bank MMA 5.05% 4.93% $25,000 9/29/2023
Primis Bank Savings 5.07% 4.95% $1 9/29/2023
BMO Alto Savings 5.10% 4.96% $0 9/30/2023
Western State Bank MMA 5.15% 5.02% $5,000 9/29/2023
FNBO Direct Savings 5.15% 5.03% $1 9/30/2023
CFG Community Bank MMA 5.20% 5.07% $1,000 9/29/2023
Vio Bank MMA 5.25% 5.15% $100 9/29/2023
Valley Direct Savings 5.25% 5.12% $1 9/29/2023
Popular Direct Savings 5.25% 5.12% $100 9/29/2023
BrioDirect Savings 5.35% 5.21% $5,000 9/29/2023
— Load More Rates —

What you'll need to open your new savings account

Compared to Top Banks

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Select a bank below to compare

Our Rates

Largest Banks

4.50%APY
VS
0.03%APY

SoFi

For APY $0
APY 4.50% Rate as of 9/30/2023
Rate 4.50% Type Savings

Bank of America

For APY $25
APY 0.03% Rate as of 9/30/2023
Rate 0.03% Type Savings
5.05%APY
VS
0.01%APY

CIT Bank

For APY $5,000
APY 5.05% Rate as of 9/30/2023
Rate 4.93% Type Savings

Chase Bank

For APY $25
APY 0.01% Rate as of 9/30/2023
Rate 0.01% Type Savings
4.50%APY
VS
0.01%APY

LendingClub

For APY $0
APY 4.50% Rate as of 9/30/2023
Rate 4.50% Type Savings

USBank

For APY $25
APY 0.01% Rate as of 9/30/2023
Rate 0.01% Type Savings
5.00%APY
VS
0.05%APY

Texas Capital Bank, NA

For APY $0
APY 5.00% Rate as of 9/30/2023
Rate 4.88% Type Savings

Wells Fargo

For APY $25
APY 0.05% Rate as of 9/30/2023
Rate 0.05% Type Savings
4.75%APY
VS
0.05%APY

Synchrony Bank

For APY $0
APY 4.75% Rate as of 9/30/2023
Rate 4.75% Type Savings

USAA

For APY $25
APY 0.05% Rate as of 9/30/2023
Rate 0.05% Type Savings
5.00%APY
VS
0.03%APY

TIAA Bank

For APY $0
APY 5.00% Rate as of 9/30/2023
Rate 4.88% Type Savings

Bank of America

For APY $25
APY 0.03% Rate as of 9/30/2023
Rate 0.03% Type Savings
5.00%APY
VS
0.01%APY

Laurel Road - 501

For APY $0
APY 5.00% Rate as of 9/30/2023
Rate 5.00% Type Savings

Chase Bank

For APY $25
APY 0.01% Rate as of 9/30/2023
Rate 0.01% Type Savings