BankMindful Logo

BankMindful

Bonus OffersCheckingSavingsCreditMerchant OffersInvestingAbout Us

Best Savings Accounts

With federal interest 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.

Many banks have also removed monthly withdrawal transaction limits after the Federal Reserved removed Regulation D requirements in April 2020. Regulation D was a federal law that kept customers from making more than six withdrawals or transfers per month from a savings or money market account. Some banks have kept or modified their monthly withdrawal transaction limits. You can review the bank links to see more account details.

Minimum APY Monthly Direct Deposit Minimum to Open Minimum Daily Balance

ATM Card

Early Paycheck

Sort By
Joint Accounts

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 Apply
TIMBR 5.25% 5.25% $1,000 Apply
Lending Club 5.15% 4.30% $250 Apply
TotalBank 5.11% 5.11% $25,000 $2,500 $1,000,000 No Apply
EverBank 5.05% 5.05% Apply
Forbright Growth 5.00% 5.00% Apply
mph Future 5.00% 5.00% Apply
Poppy Premier Online 5.00% 5.00% $1,000 Apply
Modern 5.00% 5.00% $100,000 Apply
Zynlo 5.00% 5.00% $10 $0 $250,000 Yes Apply
Quontic Money Market 5.00% 5.00% $100 Apply
Fitness 5.00% 5.00% $100 $100 $250,000 Apply
Ivy 5.00% 5.00% $2,500 $2,500 $1,000,000 No Apply
Brio Direct 5.00% 5.00% $5,000 $25 No Apply
5.00% 3.00% $1,000 $3 $5,000 Yes Apply
State Bank of Texas Jumbo Money Market 4.96% 4.96% $100,000 $100,000 Apply
First Internet Money Market 4.95% 4.95% $100 $1,000,001 Apply
Vio 4.90% 4.90% $100 Apply
First Foundation Online Money Market 4.90% 4.90% $1,000 $5,000,000 Apply
CFG 4.90% 4.90% $1,000 $1,000 No Apply
Bask 4.85% 4.85% Apply
Dollar Savings Direct 4.85% 4.85% $1 No Apply
My Banking Direct 4.85% 4.85% $500 $1 Apply
Brilliant.Bank Surge Money Market 4.85% 4.85% $1,000 Apply
Jenius 4.80% 4.80% Apply
Barclays Tiered 4.80% 4.80% $250,000 $1,000,000 Apply
Popular Direct 4.76% 4.76% $100 Apply
Fierce 4.75% 4.75% Apply
Peak 4.75% 4.75% $10,000,000 Apply
VirtualBank eMoney Market 4.75% 4.75% Apply
Primis 4.75% 4.75% $1 Yes Apply
Flagstar 4.75% 4.75% $1 $25,000 Apply
Merchants Bank of IN 4.75% 4.75% $50 Apply
Bread Financial 4.75% 4.75% $100 $1,000,000 No Apply
Evergreen 4.75% 4.75% $100 $1,000,000 Apply
Northern Bank Direct 4.75% 4.75% $5,000 $250,000 Apply
Climate First Choice Money Market 4.72% 4.72% $50,000 $50,000 $9,999,999 Apply
Republic 4.71% 4.71% $2,500 Apply
CIT Platinum 4.70% 4.70% $100 $5,000 Apply

Upgrade Premier
4.69% 4.69% $1,000 Apply

Upgrade Performance
4.69% 1.50% $1,000 Apply
4.65% 4.65% $1 $1 Apply
North American Savings Select III 4.65% 4.65% $500 $25,000 Apply
North American Savings Ultimate 4.65% 4.65% $10,000 $0 $2,000,000 Apply
CIBC USA 4.61% 4.61% $1,000 $0 $1,000,000 Apply
BMO Alto 4.60% 4.60% Apply
Public 4.60% 4.60% Apply
ConnectOne 4.60% 4.60% $2,500 Apply
Veritex 4.60% 4.60% $2,500 $250,000 Apply
UFB High Yield 4.57% 4.57% No Apply
OMB Online High Interest 4.56% 4.56% $5,000 Apply
Tab 4.52% 4.52% Apply
Laurel Road 4.50% 4.50% No Apply
Prime Alliance 4.50% 4.50% Apply
Barclays Tiered 4.50% 4.50% $50,000 $1,000,000 Apply
Wealthfront 4.50% 4.50% $1 Yes Apply
Betterment 4.50% 4.50% $10 Apply
Salem Five 4.50% 4.50% $10 $1,000,000 Apply
Western State 4.50% 4.50% $5,000 $0 $10,000,000 Apply
Carver High Yield 4.50% 4.50% $5,000 $5,000 Apply
4.50% 1.50% $300 Apply
Huntington Relationship Money Market 4.49% 4.49% $25,000 $25,000 $2,000,001 Apply
All America Mega Money Market 4.40% 4.40% $500 $100,000 Apply
My Savings Direct 4.35% 4.35% No Apply
CIT Connect 4.35% 4.35% $100 Apply
4.35% 1.00% $500 $5,000 $250,000 Yes Apply
BankPurely 4.34% 4.34% $25,000 $25,000 Apply
iGObanking 4.34% 4.34% $25,000 $25,000 Apply
4.30% 4.30% Apply
Synchrony 4.30% 4.30% Apply
Live Oak 4.30% 4.30% $10 Apply
E*Trade 4.25% 4.25% Apply
PNC 4.25% 4.25% $1 Apply
FNBO Direct 4.25% 4.25% $1 $1,000,000 Apply
Valley Direct 4.25% 4.25% $1 Apply
Quontic High Yield 4.25% 4.25% $100 Apply
Styl 4.25% 4.25% $2,500 $1 Apply
Empower Personal Cash 4.20% 4.20% Apply
Sallie Mae 4.20% 4.20% Apply
4.20% 1.20% $1 Yes Apply
Greenwood 4.15% 4.15% Yes Apply
Citizens Access 4.15% 4.15% $5,000 $5,000 Apply
Apple Savings 4.10% 4.10% $250,000 Apply
Barclays 4.10% 4.10% $20,000,000 Apply
Marcus by Goldman Sachs 4.10% 4.10% Apply
US Bank Elite Money Market 4.10% 4.10% $100 $25,000 Apply
UMB Money Market 4.07% 4.07% $100 $10,000 Apply
MutualOne 4.07% 4.07% $20,000 $20,000 Apply
4.00% 4.00% Apply
Ally Money Market 4.00% 4.00% Apply
American Express 4.00% 4.00% Apply
CapitalOne 4.00% 4.00% Apply
Discover 4.00% 4.00% Apply
Emigrant Direct 4.00% 4.00% No Apply
Wysh 4.00% 4.00% Apply
Citi 4.00% 4.00% $500 Apply
Third Federal Online 4.00% 4.00% $5,000 $5,000 Apply
4.00% 0.25% $200 $0 $6,000 Yes Apply
4.00% 0.00% $500 $250,000 Yes Apply
Affirm 3.85% 3.85% Apply
North American Savings High Rate 3.75% 3.75% $1 $0 $1,499,999 Apply
Credit Karma 3.60% 3.60% Apply
Lake Ridge High Yield 3.59% 3.59% $10,000 Apply
All America Super Savers MMDA 3.49% 3.49% $2,500 $100,000 Apply
Northpointe Ultimate Money Market 3.25% 3.25% $100 $25,000 $3,000,000 Apply
NBKC 3.00% 3.00% $0 Apply
T-Mobile 2.50% 2.50% Yes Apply
Amalgamated Online Savings 2.50% 2.50% $100 Apply
Amalgamated Money Market 2.27% 2.27% $100 $100,000 Apply
2.00% 2.00% Yes Apply
Axos 0.61% 0.61% $250 $25,000 Apply
FNBO 0.02% 0.02% Apply
TD Simple 0.02% 0.02% $300 Apply
Chase 0.01% 0.01% $300 Apply
Fifth Third 0.01% 0.01% $500 Apply
US Bank Standard 0.01% 0.01% $25 $300 Apply
Wells Fargo Way2Save 0.01% 0.01% $25 $300 Apply
Regions 0.01% 0.01% $50 $300 Apply
Truist One 0.01% 0.01% $50 $300 Apply
Industrial 0.01% 0.01% $100 Apply
Bank of America 0.01% 0.01% $100 $500 Apply



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.