Our pick for you

Why we think you’ll love it:

  • Simple, user-friendly and fee-free online checking and savings accounts

  • Savings earn 0.4% base APR, up to 2.8% if you meet eligibility criteria

  • No background checks or minimum amounts needed to open or maintain accounts

  • Helpful automatic savings tools

  • Checking account can provide access to cash more frequently

Why it might not be perfect:

  • Does not have physical branches

  • Must use AllPoint ATMs to withdraw cash for free (find these in the app)

  • Must use Green Dot retailer to deposit cash (for a fee)

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Why we think you'll love it

  • Simple, user-friendly and fee-free online checking and savings accounts

  • Savings earn 0.5% APR

  • No background checks or minimum amounts needed to open or maintain accounts

  • Helpful automatic savings tools

  • Checking account can provide access to cash more frequently

Why it might not be perfect

  • Does not have physical branches

  • Must use MoneyPass ATMs to withdraw cash for free (find these in the app)

  • Must use Green Dot retailer to deposit cash (for a fee)

  • Automatic direct deposit transfer tool limits you to just 0 or 10% (Varo allows for 0 - 100%)

Why we think you'll love it

  • Simple, completely free savings account

  • Savings earn high 0.8% APR

  • Custom savings goals to easily track how you are saving towards each goal

  • Open an account with your spouse or partner as a joint account 

  • Cash out savings for Amazon.com gift cards

Why it might not be perfect

  • Must wait 1-3 days to access money when you transfer it out to your main account

  • Savings accounts are federally limited to 6 withdrawals/month (but each savings goal has its own 6 limit)

  • Online and app experience not as clean compared to other online banks