Capital One is our choice for the best overall national bank because it offers the highest interest rates compared to other banks we considered—all Banks Login here by clicking on the login button. You’ll earn 4.30% on the 360 Savings Account and 5% on a one-year certificate of deposit.
Besides high rates, there are other benefits to banking with Capital One. You won’t pay lots of fees or have to maintain a minimum balance. Plus, you’ll get access to an extensive ATM network when you open a 360 Checking account.
- High APYs
- Access to 70,000 ATMs nationwide
- Very few fees
- Highly rated customer service
- Limited number of bank branches
- Savings account doesn’t come with an ATM card
PNC is our choice for the best checking/savings combo, thanks to its Virtual Wallet account, which combines a checking account with up to two separate savings accounts to meet all your banking needs.
You can access over 60,000 ATMs and 2,600 branches nationwide as a Virtual Wallet client. New customers can earn up to $400 in sign-up bonuses. You can log in to All Banks. Depending on the accounts you open. The checking account doesn’t earn interest, but the savings accounts do.
- 60,000-ATM network
- Automated savings
- Sign-up bonus
- APY is low compared to other accounts
- Branches only available in 16 states
U.S. Bank has the lowest on its checking and savings accounts among the banks that still charge monthly service fees. Plus, they’re easy to waive. Other bank fees, such as wire transfer fees, are lower than other banks we looked at.
U.S. Bank’s Smartly checking account pays interest, which is unusual for a national bank, making it an attractive option for anyone looking to add a little to their bank account. Their 11-month CD offers a very competitive 4.95% APY.
- Low service fees
- Low opening balances
- High APY on 11-month CD
- Checking pays interest
- Limited number of branches
Our pick for best customer satisfaction is Chase because it’s the top-rated bank in several regions, ranked by the J.D. Power 2023 U.S. Retail Banking Satisfaction Study, and the third-highest-rated mobile app in customer satisfaction.
Besides providing excellent customer service, Chase offers a full slate of deposit accounts, loans, and investment products. New customers opening a Chase Total Checking Account can earn a $200 sign-up bonus. You’ll also have access to a 15,000+ network of ATMs nationwide.
- Sign-up bonus
- Great customer service
- Large ATM network
- Low APYs on savings
- Limited number of branches
Bank of America ranked the highest in J.D. Power’s 2023 Mobile Banking App Satisfaction Survey. Visit Bank Of America Login Page To login, scoring 710 out of 1,000 points and making it our top pick for mobile banking. User reviews cite the easy navigation and ability to monitor all accounts as the best features.
In addition to mobile banking, you’ll have access to almost 4,000 branches and 15,000 ATMs nationwide. Bank of America’s checking and savings accounts have low opening balances and don’t charge any fees. Plus, you can earn over 4% on the bank’s certificates of deposit, depending on the term.
- Top-rated mobile app
- Low opening balances
- Low fee
- Low APY on savings account
How we chose the Best Banks of 2023-2024
To determine our list of Best Banks for 2023-2024, Money staff evaluated 273 of the largest retail banks, credit unions, regional and state banks, ranked by assets, and 20 of the most popular online banks. We then compared opening balance requirements, interest paid, fees, and features to determine our top picks. You can read our complete methodology here.