Banks with 24/7 Customer Service (2024)

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Insider’s Take

Alliant is one of the best credit unions out there, especially if you want to earn high interest rates on savings, checking, and certificates.

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Product Details

• Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
• 80,000+ free ATMs
• Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.
• Interest compounded monthly
• Federally insured by the NCUA

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Insider’s Take

The Ally High Yield Savings Account is a great option for anyone who wants savings tools to help save for specific financial goals, or prioritizes an account that doesn't charge standard bank fees.

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Product Details

• Create separate savings buckets in a savings account
• Link to your Ally checking account and enroll in surprise savings transfers to have extra money transferred to savings three times per week
• Interest compounded daily, paid monthly
• FDIC insured

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Product Details

• Member FDIC
• 24/7 account access
• Earns interest daily, and posts to account monthly

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Insider’s Take

Axos Bank has strong high-yield savings, checking, and money market accounts if you'd like to avoid monthly service fees. But, you can find higher interest rates at some of the best online banks.

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Product Details

• Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
• Zero monthly maintenance fees
• Zero overdraft or NSF fees
• Zero minimum monthly balance reqs
• Unlimited domestic ATM fee reimbursem*nts
• Online debit card management
• Simple, 3-step process for direct deposit
• Only $50 to open an account

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Insider’s Take

With no minimum opening deposit or monthly fees, BMO's savings accounts are affordable options for those who’d like to build their savings. BMO Alto offers lucrative interest rates on par with some of the best high-yield savings accounts.

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Product Details

• Interest compounded daily and deposited monthly
• FDIC insured

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Insider’s Take

Charles Schwab Bank is one of the best banks for international travelers, because it doesn't charge foreign transaction fees. It also refunds all fees charged by ATMs worldwide. But if you want to earn high interest rates, you're better off looking elsewhere.

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Product Details

• 24/7 live online chat
• When you open a checking account, you automatically open a Charles Schwab brokerage account, too
• No ATM network, but unlimited ATM fee reimbursem*nts
• Interest compounded daily, paid monthly
• FDIC insured

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Product Details

• Round debit card purchases to the nearest dollar to put spare change into savings account
• Set up a percentage of your paychecks to be put into savings account
• Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

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Insider’s Take

The CIT Bank Platinum Savings and CIT Bank Savings Connect Account pay great interest rates that are on par with what best high-yield savings accounts offer right now. The CIT Bank Savings Builder Account and CIT Bank Money Market Account pay above-average rates, but they aren't nearly as competitive.

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Product Details

• Interest compounded daily, paid monthly
• FDIC insured

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Insider’s Take

You might like Citi if you live in one of the areas that offers the Citi® Accelerate Savings account, so you can earn a higher savings rate than the national average. The best high-yield savings accounts, however, offer even more competitive savings rates.

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Product Details

• Monthly fee depends on whether you link to a Citi checking account, and which checking account you choose
• You may qualify to have the monthly fee waived, depending on which checking/savings package you have
• No opening deposit
• Compounding interest to maximize your savings
• Not available in CA, CT, MD, NV, NJ, NY, VA, DC, certain parts of FL or IL

Insider’s Take

You'll find Consumers Credit Union appealing if you enjoy online banking or live near Chicago, Illinois. The credit union has one of the best high-yield checking accounts right now, with a low minimum opening deposit and zero monthly fees.

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Product Details

• To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5
• 14 open branches in Chicago, Illinois, and nearby cities
• Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network
• Earn 3.00% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits
• Earn 4.00% on balances up to $10k when you meet qualifications for 3.00% and spend $500/month with your CCU credit card
• Earn 5.00% on balances up to $10k when you meet qualifications for 3.00% and spend $1,000/month with your CCU credit card
• Earn 0.20% APY on balances between $10k and $25k
• Earn 0.10% APY on balances over $25k
• If you don't meet the requirements to earn a rewards interest rate, you'll earn 0.01% APY and you won't get ATM refunds
• Interest compounded and deposited monthly
• Federally insured by the NCUA

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Product Details

• Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
• Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
• Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
• Term lengths of 6, 12, 24, 36, or 60 months
• Early withdrawal penalties ranging from 60 to 270 days interest
• Interest is compounded monthly and paid monthly

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Insider’s Take

The best high-yield savings accounts offer competitive interest rates and low fees, and the Discover Online Savings Account comes with both. The minimum opening deposit might be especially attractive to new savers who don't meet the higher initial deposits some banks require.

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Product Details

• No monthly balance requirements
• 100% US-based customer service available 24/7
• No hidden fees
• Interest compounded daily, paid monthly
• FDIC insured

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Insider’s Take

If you live in Texas and are looking for bank accounts with zero monthly service fees and a variety of CD options, then Falcon International Bank may be a good option. The best CD rates at online banks are good options for those who don't live in Texas, though.

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Product Details

• Hispanic American-owned
• 24 ATM locations, $4 transaction fee for out-of-network ATMs
• With overdraft protection there is a $35 charge
• 18 branches in Texas
• Member FDIC

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Product Details

• Access to over 100 locations and 200 ATMs in AZ, CA, CO
• Overdraft protection plans that lets you link your checking account to a savings account
• If you utilize overdraft protection, there's either a $20/year or $10/day transfer fee
• Member FDIC

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Product Details

• Earn $200 after qualified activities until 07/19/2024 with the no-monthly-maintenance-fee Key Smart Checking®
• Open a Key Smart Checking® account online by July 19, 2024
• Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening
• Approximately 1,000 branches in 15 states across the U.S.
• Over 40,000 free ATMs through the KeyBank and Allpoint ATM networks
• To avoid overdraft fees, you may link your checking account to a savings account or get a line of credit
• With Key Coverage Zone, if the unexpected happens and your account’s overdrawn up to $20 at the end of the day, KeyBank won’t charge you an overdraft fee
• Member FDIC

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Insider’s Take

Navy Federal Credit Union is one of the best institutions for the military. Its strongest features are probably its 24/7 live customer support and out-of-network ATM refunds.

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Product Details

• Available to active military, retired military, or reservists
• Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
• 354 branches worldwide, including on select military bases
• 30,000 free ATMs
• Interest compounded monthly, paid monthly
• Federally insured by the NCUA

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Product Details

• 1,300 branch locations in 15 states
• 2,000 free ATMs
• To earn the 1% annual bonus (up to $100), set up monthly automatic transfers from your Regions checking account to your LifeGreen Savings account
• Interested compounded daily, paid monthly
• FDIC insured

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Product Details

• Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council
• Branches and ATMs in the US and Europe
• Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +
• Basic doesn't reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans
• Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month
• Federally insured by the NCUA

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Product Details

• Join Security Service FCU if you are a member of select military branches at certain military bases; are an employee of the Department of Defense; live, work, worship, study, volunteer, or have a business in CO, TX, or UT; are related to someone who is already a Security Service FCU member
• 67 branches in CO, TX, and UT; 5,000 shared branches in the CO-OP network
• Over 30,000 free ATMs in the Security Service FCU, CO-OP, and Stripes networks
• Federally insured by the NCUA

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Insider’s Take

TD Bank Signature Savings Account pays a higher interest rate than the TD Simple Savings Account on balances of $10,000 or more. However, to get the most out of this account, you'll need to qualify for a relationship rate and meet one of the requirements to waive the TD Signature Savings - Fees Display. Ultimately, you can find much better rates with the best online banks.

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Product Details

• Earn $200 when you deposit $10,000 or more in new money within 20 days, then maintain that balance for 90 days from the date the deposit requirement is initially met (Offer ends June 30, 2024)
• No monthly service fee for students, adults under age 24 or age 62 or older
• Waive $5 monthly service fee by maintaining $300 minimum daily balance
• No monthly fee for the first 12 months if you make recurring $25 monthly deposits
• Interest compounded daily
• FDIC insured

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Insider’s Take

U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.

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Product Details

• Earn up to $200 with a new Standard Savings account.
• -Make new money deposit(s) totaling $15,000 or more by July 17, 2024
• -Maintain that balance until October 31, 2024
• Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
• Over 2,200 branches in 26 US states
• Free access to around 4,500 ATMs
• Waive $4 monthly service fee by maintaining a $300 daily balance, OR average $1,000 monthly balance, OR being under age 18
• Interest compounded daily, paid monthly
• FDIC insured

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