Best Online Banks

26 Companies

203 Real Customer Reviews

1
Average User Rating

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Compare The Top Online Banks CompaniesSort By:

7.3

Overall Score

  • No Overdraft Fees
  • 42,000 ATM’s Available
  • No Minimum Balance Requirements

GoBank

  • No Overdraft Fees
  • 42,000 ATM’s Available
  • No Minimum Balance Requirements

4.9

Overall Score

12 User Reviews

17 days ago

  • Learning Center Available
  • CD 1.25% AYP For 1 year Above $2000+

Synchrony Bank

  • Learning Center Available
  • CD 1.25% AYP For 1 year Above $2000+
  • Started in 1922
  • Not insured with FDIC

State Farm Bank

  • Started in 1922
  • Not insured with FDIC
  • 60,000 ATM's
  • Multiple Products and Services Available

USAA

  • 60,000 ATM's
  • Multiple Products and Services Available
  • mobile app
  • free checking account
  • over 60,000 ATMs nationwide

Discover

  • mobile app
  • free checking account
  • over 60,000 ATMs nationwide
  • online bill pay
  • no monthly fees
  • no minimum account balance

Nationwide

  • online bill pay
  • no monthly fees
  • no minimum account balance
  • Four CD Accounts With High AYP
  • No ATMs
  • Free Monthly Maintenance

CIT Bank

  • Four CD Accounts With High AYP
  • No ATMs
  • Free Monthly Maintenance
  • no fees
  • no hidden charges
  • no minimum amounts due

Capital One 360

  • no fees
  • no hidden charges
  • no minimum amounts due
  • Started in 1857
  • FDIC Insured

FNBO Direct

  • Started in 1857
  • FDIC Insured

GoBank

7.3Overall Score
  • No Overdraft Fees
  • 42,000 ATM’s Available
  • No Minimum Balance Requirements

Go Bank is a full featured, online checking account product. It operates through Green Dot Bank, one of the financial institutions that are available through Walmart. Go Bank became available in October of 2014 and is designed as a checking account product for people on the go. It markets to low and moderate income individuals and families while it beckons to anyone who is dissatisfied with big bank policies. Assets are protected by FDIC.

 

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  • Learning Center Available
  • CD 1.25% AYP For 1 year Above $2000+

Synchrony Financial is a subsidiary of GE Capital and the parent business of Synchrony Bank. It is a finance company that is operated by CEO, Margaret Keane, who has 16 years of experience as a Sales, Marketing and Operations manager at Citibank, and 18 years of experience with GE Capital managing consumer and vendor finance, quality control, and operations. Their headquarters is in Stamford, Connecticut. Synchrony finances retail businesses through credit card programs. They offer several products and services, such as a credit cards, an investor’s market, savings accounts, financial counseling and fraud protection. As of July 17, 2015, the most recent quarterly report, Synchrony Financial has earned $541 million.

 

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  • Started in 1957
  • FDIC Insured

The PNC Virtual Wallet is a product/service run by PNC Financial Services Group, Inc. They are an American financial services corporation. The PNC total assets at the end of last year reached approximately $358 billion and deposits of approximately $249 billion. The PNC Financial Services operations include: regional banking franchise primarily operating on the east coast. In total, PNC has over 2,600 branches, 9,000 ATMs and provide both online and mobile services. PNC is the fifth largest bank in terms of number of branches and the sixth largest by deposits. PNC financial is based and headquartered in Pittsburgh. 

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  • Started in 1922
  • Not insured with FDIC

State Farm is an insurance and financial services provider in the United States. They mainly focus on their insurance efforts, however they have continued to expand their financial and banking services/products. State Farm is headquartered in Bloomington, Illinois. They are ranked 44th in the Fortune 500 rankings (in terms of revenue). Back in 2014, State Farm sold its operations to a Canadian company, the Desjardins Group, but they plan on continuing to use the State Farm company name and operating the same services. 

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  • 60,000 ATM's
  • Multiple Products and Services Available

The United States Automobile Association (USAA) began in 1922 in San Antonio, Texas by 25 Army officers who needed to insure their automobiles. Today, USAA also offers banking services, health insurance, online shopping items and an advice center. Their clientele has grown to include all past and present military and their families, as well as a select group of individuals outside of the military. Stuart Parker, retired United States Air Force officer, is the CEO. Under 4 major lines of business, USAA has 46 different products and 5 services. There are 19 locations, but only the headquarters is a full service operation. USAA also has online and mobile banking options.

 

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  • mobile app
  • free checking account
  • over 60,000 ATMs nationwide

Discover has provided an online banking system that has the customer’s best interests in mind. Free checking, interest-earning saving accounts and cash back on debit card purchases are three examples of how Discover puts the customer first. 

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  • online bill pay
  • no monthly fees
  • no minimum account balance

Nationwide has been in business for more than 85 years, and prides itself on earning consistently high ratings and ranking from major ratings agencies. In 2013, this Fortune 100 company banked $23.9 billion worth of operating revenue. 

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  • Four CD Accounts With High AYP
  • No ATMs
  • Free Monthly Maintenance

Commercial Investment Trust, hereafter referred to as CIT, began as Commercial Credit and Investment, and is a business that finances clients who have assets worth between $50 million to a billion dollars. It was founded in 1908 by Henry Ittleson and financed wholesale purchases for merchants. As the company grew, it added auto, manufacturing and consumer product financing. By the 1950’s, CIT had focused its profits in the areas of transportation leasing, lending and investments. Today, their headquarters is in New York, New York and they are considered a leader in their field.

 

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  • no fees
  • no hidden charges
  • no minimum amounts due

Capital One 360 has spilled over from credit cards to checking and savings account with the completely virtual bank. Apply online in a snap, and Capital One can have you set with a no-hassle, all-the-bells-and-whistles checking and savings account, CD or accounts for the teens in your life. A free budget tool is among the extras tossed in to the standard mobile banking account, along with a tie-in to the new Apple pay option.

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  • Started in 1857
  • FDIC Insured

First National Bank has a history of doing what's right for our customers and the communities we serve. Founded in 1857, in the spirit of innovation and commitment to customer service, this sixth generation family-owned business has become the largest privately-owned bank holding company in the United States. First National Bank of Omaha (FNBO) is a subsidiary of First National of Nebraska, a multi-state holding company located in the heart of downtown Omaha, with a strong banking heritage that dates back over 150 years. With locations in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota and Texas, $20 billion in assets and 5,000 employee associates, we haven't lost sight of the foundation on which our success was built. 

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