Our pick for you
Why we think you’ll love it:
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Simple, user-friendly and fee-free online checking and savings accounts
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Savings earn 0.4% base APR, up to 2.8% if you meet eligibility criteria
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No background checks or minimum amounts needed to open or maintain accounts
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Helpful automatic savings tools
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Checking account can provide access to cash more frequently
Why it might not be perfect:
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Does not have physical branches
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Must use AllPoint ATMs to withdraw cash for free (find these in the app)
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Must use Green Dot retailer to deposit cash (for a fee)

Why we think you'll love it
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Simple, user-friendly and fee-free online checking and savings accounts
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Savings earn 0.5% APR
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No background checks or minimum amounts needed to open or maintain accounts
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Helpful automatic savings tools
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Checking account can provide access to cash more frequently
Why it might not be perfect
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Does not have physical branches
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Must use MoneyPass ATMs to withdraw cash for free (find these in the app)
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Must use Green Dot retailer to deposit cash (for a fee)
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Automatic direct deposit transfer tool limits you to just 0 or 10% (Varo allows for 0 - 100%)
Why we think you'll love it
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Simple, completely free savings account
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Savings earn high 0.8% APR
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Custom savings goals to easily track how you are saving towards each goal
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Open an account with your spouse or partner as a joint account
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Cash out savings for Amazon.com gift cards
Why it might not be perfect
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Must wait 1-3 days to access money when you transfer it out to your main account
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Savings accounts are federally limited to 6 withdrawals/month (but each savings goal has its own 6 limit)
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Online and app experience not as clean compared to other online banks