Compare the best bank accounts
Every account type, ranked.
| Lender / Product | Rating | Key details | |
|---|---|---|---|
| Relay Financial Business banking with no fees | 4.6/5 | $0 · Competitive · Small business | Review |
| Acorns Invest spare change + banking | 4.4/5 | Competitive · From $3/mo · Beginners | Review |
| Greenlight Banking for kids & teens | 4.5/5 | From $4.99/mo · Families · Parental | Review |
| Ally Bank Online bank, no fees | 4.5/5 | $0 · High-yield · Online banking | Review |
| Chime Fee-free mobile banking | 4.3/5 | $0 · Mobile-first · SpotMe | Review |
| Discover Bank Online bank, cashback debit | 4.6/5 | $0 · High-yield · 1% cashback | Review |
| Relay Financial (Relay Partner Program) Cds & Savings | Not yet rated/5 | $50-$300 per approved client account; Gold/Platinum tiers earn 5-10% monthly rev · direct (Relay Partner Program) | Review |
| Airwallex (business banking + corporate cards) Credit Cards | Not yet rated/5 | $200 USD referral fee per paid customer (per live PartnerStack program directory · Impact | Review |
Our top picks
The best bank account depends on how you use it. These are our top picks across every category.
Our top pick
Learn more
1. Relay Financial — 4.6/5
Best for: Business banking with no fees
Monthly fee
$0
APY
Competitive
Best for
Small business
Pros
- No account fees or minimums
- Multiple checking accounts
- Strong integrations
Cons
- Business only — no personal accounts
Affiliate link pending — direct — $50-$300 per account.
2. Acorns — 4.4/5
Best for: Invest spare change + banking
APY
Competitive
Fee
From $3/mo
Best for
Beginners
Pros
- Round-ups invest automatically
- Banking + investing in one app
Cons
- Monthly fee
- Limited banking features
Affiliate link pending — via Impact/FlexOffers.
3. Greenlight — 4.5/5
Best for: Banking for kids & teens
Fee
From $4.99/mo
Best for
Families
Controls
Parental
Pros
- Chores & allowance tools
- Spending controls for parents
- Investing for kids
Cons
- Monthly fee
- Kids-focused only
4. Ally Bank — 4.5/5
Best for: Online bank, no fees
Monthly fee
$0
APY
High-yield
Best for
Online banking
Pros
- No monthly fees
- High savings APY
- Great app
Cons
- No branches
Affiliate link pending — verify in CJ dashboard.
5. Chime — 4.3/5
Best for: Fee-free mobile banking
Monthly fee
$0
Best for
Mobile-first
Overdraft
SpotMe
Pros
- No fees
- Early direct deposit
- Easy signup
Cons
- No joint accounts
- Customer service varies
Affiliate link pending — verify in CJ dashboard.
6. Discover Bank — 4.6/5
Best for: Online bank, cashback debit
Monthly fee
$0
APY
High-yield
Debit rewards
1% cashback
Pros
- Cashback on debit
- No fees
- 60,000+ ATMs
Cons
- No branches
Affiliate link pending — verify in dashboard.
7. Relay Financial (Relay Partner Program) — Not yet rated/5
Best for: Cds & Savings
$50-$300 per approved client account; Gold/Platinum tiers earn 5-10% monthly rev
Network
direct (Relay Partner Program)
Pros
- Pays $50-$300 per approved client account; Gold/Platinum tiers ea
- Via direct (Relay Partner Program)
Cons
- Apply via network dashboard to get tracking link
Affiliate link pending — via direct (Relay Partner Program).
8. Airwallex (business banking + corporate cards) — Not yet rated/5
Best for: Credit Cards
$200 USD referral fee per paid customer (per live PartnerStack program directory
Network
Impact
Pros
- Pays $200 USD referral fee per paid customer (per live PartnerSta
- Via Impact
Cons
- Apply via network dashboard to get tracking link
Affiliate link pending — via Impact.
How we chose
- We reviewed available programs and providers in this category as of October 2026.
- Ratings weigh public reputation, terms, fees, and customer reviews.
- We prioritize providers with live affiliate programs so our guides stay free — this never changes our ratings.
Frequently asked questions
Online vs traditional bank?
Online banks pay higher rates with fewer fees; traditional banks offer branches and in-person service.
Are online banks safe?
Yes — if FDIC insured, your deposits are protected up to $250,000, same as any bank.
How many bank accounts should I have?
At least checking + high-yield savings. Add more for specific goals.
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