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Updated Raisin Review

Raisin

Raisin.com provides a free online savings marketplace with very high savings rates through partnerships with over 45 federally insured banks and credit unions. You only need $1 to fund any Raisin account and that includes CDs (Certificate of Deposit).


Read the full review here.


Upgrade Review

Upgrade Rewards

Upgrade currently offers the easiest debit reward program available with unlimited 1% cash back, 2% cash back categories, and great merchant offers from local restaurants and national brands.
Get the $200 signup bonus while it is still offered.


Read the full review here.


Welcome to BankMindful!

Everyone uses banks. We want to help you Use Banks Better.


Our key guidelines are:


Banks use your deposits to make loans and get paid interest from the loan borrowers. You should be compensated with your own interest for allowing banks to do this. All accounts and offers listed on our site will allow banks to pay you by following our key guidelines. So let's get started!



Best Bank Accounts for Kids

We believe in learning by doing and we think the best way to teach kids about money management is to allow them to use their own bank accounts. There are many options for financial accounts for kids right now but we want to focus on the best FDIC insured accounts with no monthly maintenance fees.


Read the review here.


Cash Back Debit Cards

We love maximizing credit card rewards, but now we are finding debit card options with interesting rewards that fill key gaps. No impact on your credit score, no overdraft fees, merchant offers and more!


Read the review here.


Our First Full Review: Chime

Chime

Chime isn't our favorite financial technology (fintech) company, but it could be yours.
Get the $100 bonus. Try it out. With no fees, there is no risk.


Read the full review here.


Best Savings Rates

With federal interet rates rising, there are now some great savings accounts with lots of free, convenient features that also have a good annual percentage yield (APY). All of the accounts listed here are FDIC insured and most have no monthly maintenance fees. Direct deposits or a minimum balance may be required to avoid monthly maintenance fees or receive a higher interest rate.

Last updated: Nov 1, 2024
Bank APY with
Direct Deposit
APY without
Direct Deposit
Minimum Monthly
Direct Deposit
Minimum to
open account
Minimum Daily
Balance
Maximum Balance
eligible for APY
Early
Paycheck?
Pibank 5.50% 5.50% Apply
Newtek 5.25% 5.25% Apply
Openbank 5.25% 5.25% $500.00 Apply
TIMBR 5.25% 5.25% $1,000.00 Apply
Lending Club 5.15% 4.30% $250.00 Apply
TotalBank 5.11% 5.11% $25,000.00 $2,500.00 $1,000,000 No Apply
EverBank 5.05% 5.05% Apply
Brio Direct 5.00% 5.00% $5,000.00 $25.00 No Apply
Fitness 5.00% 5.00% $100.00 $100.00 $250,000 Apply
Forbright Growth 5.00% 5.00% Apply
Ivy 5.00% 5.00% $2,500.00 $2,500.00 $1,000,000 No Apply

View more savings accounts


Best Free Checking Accounts

There are now some great checking accounts with lots of free, convenient features that also have a good annual percentage yield (APY). All of the accounts listed on our site are FDIC insured with no monthly maintenance fees. Direct deposits or minimum balance may be required to get a higher APY.

Bank APY with
Direct Deposit
APY without
Direct Deposit
Minimum Monthly
Direct Deposit
Early
Paycheck?
Online Bill Pay? Pay
Anyone?
Check
Writing?
Climate First Choice 4.72% $1,000.00 Apply
Primis Premium 4.50% 4.50% Yes Yes Yes Yes Apply
Wealthfront 4.50% 4.50% Yes One-time or recurring check No Apply
elroy 4.25% 4.25% Yes Yes elroy to elroy Apply
Paramount 3.25% 3.25% No Yes Apply
T-Mobile 2.50% 2.50% Yes Yes No Yes Apply
Customers 2.00% 1.00% $1.00 Apply
NBKC 1.75% 1.75% No Yes Yes Apply

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2% Cash Back Credit Cards

These cards set a baseline of earning 2% cash back on all purchases with no caps or limitations. All other offers should be measured against these cards first. Banks can give you 2% cash back because they charge the merchants you shop with up to 4% in processing fees.

Note: All of the following have no annual fee with at least 2% cash back on all purchases.
Credit Card Cashback Rate Foreign Transaction Fee Intro 0% APR on Purchases For Signup Bonus If you Spend In the first Cell Phone Protection
PNC Cash Unlimited 2.00% 0.00% $250 $1,000 90 days $800 Apply
Wings CU Rewards 2.00% 0.00% $100 $1,000 90 days Apply
SoFi World Elite Mastercard 2.00% 0.00% $1,000 Apply
Robinhood Gold 3.00% 0.00% Apply
Citizens Private Client 2.00% 0.00% Apply
Bread Cashback American Express 2.00% 0.00% Apply
Wells Fargo Active Cash 2.00% 3.00% 455 days $200 $500 90 days $600 Apply
Evergreen by FNBO 2.00% 3.00% 365 days $200 $1,000 90 days Apply
Citi Double Cash Mastercard 2.00% 3.00% $200 $1,500 180 days Apply
TD Double Up 2.00% 3.00% $150 $1,000 90 days Apply
Synchrony Premier 2.00% 3.00% Apply


View more credit cards View more merchant offers


Bank Bonus Offers

Many banks offer signup bonuses to attract new customers. We list 3 types of bank bonus offers: direct deposit offers, balance transfer offers and debit transaction offers. Direct deposit offers may require you to have a certain number of direct deposits for a certain total within a certain number of days. Balance transfer offers require you to transfer new funds to your new account and maintain a certain balance for a certain number of days. Debit transaction offers require you to make a certain number of debit transactions within a certain number of days. You can review the offer details links to see the important fine print for each offer.

Bank Bonus Offer Monthly Fees Expires On Offer Details
Wells Fargo$2,500 if you complete $250,000.00 in deposits within 45 days of account opening.$35.00Jan 7, 2025Details
Chase$2,000 if you complete $250,000.00 in deposits within 45 days of account opening.$35.00Jan 22, 2025Details
HSBC$1,500 if you complete $100,000.00 in deposits within 20 days of account opening.$50.00Nov 22, 2024Details
First Tech Federal Credit Union$1,000 if you complete $250,000.00 in deposits within 45 days of account opening.Jan 31, 2025Details
Chase$900 if you complete direct deposits totaling $1.00 or more within 90 days of account opening and $15,000.00 in deposits within 30 days of account opening.$17.00Jan 22, 2025Details
BluPeak Credit Union$600 if you complete 12 or more direct deposits totaling $12,000.00 or more within 360 days of account opening.Details
Associated$600 if you complete direct deposits totaling $500.00 or more within 90 days of account opening and $10,000.00 in deposits within 30 days of account opening.Dec 31, 2024Details
Varo$600 if you complete 6 or more direct deposits totaling $24,500.00 or more within 183 days of account opening.Dec 31, 2024Details

View more bank bonus offers



BankMindful.com is an independent publisher and comparison service. The content on Bank Mindful is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. We do our best to keep information updated, however, numbers stated on this site may differ from actual numbers. We may have financial relationships with some of the companies mentioned on this website. BankMindful may not include all companies or all available products.