Banking

Live Oak Bank Online Savings And CD Offers, Promotions

By: Tony Phan | Last Updated: July 19, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Live Oak Bank consistently offers some of the best Savings Account and CD account rates available nationwide.

Established in 2008 and headquartered in Wilmington, North Carolina, Live Oak Bank operates as an internet bank and is able to beat traditional brick-and-mortar bank rates with ease.

Compare all the best rates using our guides: Savings Rates | CD Rates.

We’ll review the current promotions from Live Oak Bank below.

Live Oak Bank Savings Rate: 1.80%

Update History:
07/19/2018: Live Oak Bank raises Savings rate from 1.70% APY to 1.80% APY.
03/29/2018: Savings rate increases to 1.70% APY
01/19/2018: Savings rate increases from 1.50% APY to 1.60% APY
12/15/2017: Savings rate increases from 1.40% APY to 1.50% APY

More History

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Current Rate: 1.80%
Earn 18x the National Average
FDIC Insurance Up to Maximum Allowed by Law
No Monthly Maintenance Fees
Interest Compounded Daily
Secure Electronic Statements
Move Money Faster with Electronic Transfers
Bankrate Safe & Sound 5-Star Rating
Access Your Account Anytime with the Mobile App
Open an Account Online in Minutes

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Compare The Best Rates From These Banks

Compare all the best rates using our Savings/Money Market guide. CIT Bank and HSBC Direct also offer great Savings and Money Market rates that are very popular. Also, see Savings account sign-up bonus offers here, including a great Savings offer from Chase.


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($50 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review.

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($50 bonus)

Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC.

Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review

Learn More

Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card.

The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review

The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review

CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review

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Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review

Learn More

Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review

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Live Oak Bank CD Account Promotions

FDIC Insurance Up to Maximum Allowed by Law
No Monthly Maintenance Fees
Competitive Rates at a Variety of Terms
Bankrate Safe & Sound 5-Star Rating
Access your Account Anytime with the Mobile App
Open an Account Online in Minutes
Secure Electronic Statements

Update History:
07/19/2018: Live Oak Bank updates rates for 6 Month to 5 Year CD terms.
05/14/2018: Live Oak Bank updates rates for 6 Month to 2 Year CD terms
03/18/2018: All CD terms get rate increases
02/22/2018: 6 Month, 18 Month to 4 Year CD terms get rate increases
01/19/2018: All CD terms get rate increases
12/15/2017: All CD terms get rate increases
11/14/2017: 1 Year, 18 Month, 2 Year, 3 Year, 4 Year, 5 Year CDs get rate increases
09/06/2017: 6 Month, 1 Year, 18 Month CD Terms get slight decrease in rates

More History

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Rates

APY	Minimum For APY	Maximum For APY	CD Term
2.00%	$2,500	$250,000	6 Month CD
2.50%	$2,500	$250,000	1 Year CD
2.55%	$2,500	$250,000	18 Month CD
2.80%	$2,500	$250,000	2 Year CD
2.85%	$2,500	$250,000	3 Year CD
2.90%	$2,500	$250,000	4 Year CD
3.20%	$2,500	$250,000	5 Year CD

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Compare With CD Rates From These Banks

We keep the best CD rates updated here. Top competitors include CIT Bank and BBVA Compass.

*Be sure to take a look at our Bank sign-up bonuses list also.

Colorado Federal Savings Bank Savings And CD Account Promotions

Colorado Federal Savings Bank is offering promotional rates on their Online Savings and CD accounts.

Colorado Federal Savings Bank is headquartered in Greenwood Village, Colorado and serves the regional communities as well as those across the United States. They started operating as an internet-only bank in 2008. While they also provide mortgage loans on its lending side, they are best known for their Savings and CD rates.

Similar to other online banks, you’re going to get better rates due to lower overhead costs on the bank’s end.

Colorado Federal Savings Bank Savings Account

Colorado Federal Savings Bank has a decent rate for their Online High Yield Savings account. While it’s not the best among online banks, it certainly blows traditional banks out the water.

Update History:
07/19/2018: Colorado Federal Savings Bank raises rates on High Yield Savings and Premier Savings accounts.
12/16/2017: High Yield Savings rate goes to 1.00% APY and Premier Savings rate goes to 1.65% APY
11/21/2017: Premier Savings rate increases to 1.45% APY

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Minimum opening deposit is $1 Free online transfers to and from external bank account	Each depositor is FDIC insured to at least $250,000 No monthly maintenance fees
Current High Yield Savings APY: 1.25%

They also have their Premier Savings account for those that carry a higher balance.

Minimum opening deposit is $50,000 Free online transfers to and from external bank account	Each depositor is FDIC insured to at least $250,000 No monthly maintenance fees
Current Premier Savings APY: 1.90%

Current Best Savings Accounts For Comparison:

We recommend taking a look at the CIT Savings, HSBC Direct, and even the Chase Savings (great bonus offer) accounts before deciding. Also take a look of the best Savings Account bonus offers here, including a nice Savings offer from Chase. Below are all the accounts with the best rates currently (our Best Savings/Money Market Rates guide will give you a better comparison):


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($50 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($50 bonus)

Learn More

More Top Picks

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Colorado Federal Savings Bank CD Accounts

Their CD accounts actually have some of the best rates for certain term lengths so they’re definitely worth checking out.

Terms available from 6 months to 5 years
Minimum opening deposit and minimum balanced required for the APY is $5,000

No Monthly Maintenance Fee
FDIC insured to at least $250,000
NO ACH fee

CD Rates

Update History:
07/19/2018: Colorado Federal Savings Bank increases rates on all CD terms.
05/21/2018: Colorado Federal Savings Bank increases rates on 1 Year & 18 Month CD terms.
04/24/2018: Colorado Federal Savings Bank updates rates for 1 Year CD.
03/13/2018: All CD terms get rate increases
12/16/2017: 6 Month to 2 Year CD terms get rate increases
07/09/2017: 18 Month CD rate increases to 1.40% APY
03/06/2017: 1 Year CD rate increases to 1.35% APY

More History

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APY	CD Term
2.05%	6 Month CD
2.51%	1 Year CD
2.40%	18 Month CD
2.60%	2 Year CD
2.63%	3 Year CD
2.90%	5 Year CD

Compare To These Top CD Accounts:

CIT Bank and BBVA Compass are just a few online banks with good CD options. We’ve gathered all the best CD rates here. See all the current best below:

More Bank Offers You May Like:

Check back for updated offers from Colorado Federal Savings Bank here.

10 Best Free Checking Accounts Review July 2018

By: Tony Phan | Last Updated: July 18, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Whether you’re looking to open your first ever Checking account, or just simply tired of paying monthly maintenance fees with your current one, a free personal Checking account may be what you’re searching for (see free business Checking accounts here).

Many traditional Checking accounts from local banks require monthly fees that can range from a few dollars, and on up to the $20 to $30 range. The more benefits the Checking account provides, the higher the fee typically is. You certainly can waive the fees most of the time, but that typically involves maintaining a minimum daily balance, making certain types of deposits, having a minimum number of monthly transactions, etc.

A lot of folks don’t need all the bells and whistles of a premium Checking account, and just need somewhere to carry a small balance and perform basic Checking tasks. If you’re in this boat, there are still plenty of Checking account options both with traditional banks and online banks. Some of these free Checking accounts also have sign-up bonuses as well.

You’ll have far more free Checking account options with online banks due to their lower overhead costs, but depositing cash will be an issue. Depositing checks has never been easier with mobile apps.

Our other top bank guides:

We’ll review your best free Checking account options below.

Chase Total Checking^® Account

Get $200 with this Checking account

While the Chase Total Checking^® account isn’t free unless you meet the monthly requirement(s) to make it so, we feel it’s important to list one account option that will give you full in-branch service that is available to most residents nationwide.

They have branches in all of these states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WI, WV.

We chose the Chase Total Checking^® account because the $12 monthly fee is easily waived with several options. You’ll need to do just ONE of the following to waive the fee:

Option #1Option #2Option #3

Have monthly direct deposits totaling $500 or more made to this account.

Keep a minimum daily balance of $1,500 or more in your checking account.

Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances.

If you feel you’ll never be under a $1,500 balance for any given month, this will be one of the best Checking account options available from a big bank. Plus, you’ll be able to earn a great sign-up bonus.

For truly fee-free Checking accounts without monthly requirements, see the other options below.

Availability? Available nearly nationwide (branches in states listed above)
Physical Branches? Yes
Mobile app? iOS | Android
Bonus offer? $200 sign-up bonus
Earns interest? Yes, but a low rate typical of traditional banks
Monthly Fee? *None (when you meet ONE monthly requirement)
Minimum balance requirement? None
Minimum opening deposit? $25
Credit card funding options? You can fund up to $500 towards the opening deposit using a non-Chase credit card
ATM access? Access to over 16,000 Chase ATMs and 5,100 branches.
Full Review: Chase Chase Total Checking^® Review

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BBVA Compass ClearConnect Free Checking

Best Choice For: ATM Access

This is BBVA Compass Bank’s online free Checking account offering that is available nationwide. Not only will you have access to the more than 43,000 ATMs in the Allpoint network, but the BBVA Compass ATMs as well. That’s a combined 55,000 ATMs with no fees worldwide.

The minimum opening deposit is just $25 and you can only apply online. There is no monthly service fee, but be sure to opt out of Paper Statements to avoid the $3 charge for that service.

Availability? Available online nationwide.
Physical Branches? Yes, plus access to AllPoint^® and BBVA Compass ATMs worldwide
Mobile app? iOS | Android
Bonus offer? Check for current bonus offers
Earns interest? No
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $25
Credit card funding options? You can fund the new account with a Visa/Mastercard up to $5000.
ATM access? No ATM fees at 55,000 AllPoint^® and BBVA Compass ATMs worldwide
Full Review: BBVA Compass Review

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BBVA Compass ClearChoice Free Checking

Best Choice For: Free Checking With Branch Access

For those looking for a free Checking account option with physical branch access, the ClearChoice Free Checking is available from BBVA Compass. This account will be limited to those states where branches exist, which includes Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas.

If you live in one of those above regions, this account is a solid option. You’ll have fee-free access to BBVA Compass ATMs. There are no monthly service charges and the minimum opening deposit is only $25. Your free Visa debit card can be personalized with your favorite photo.

You’ll also have the option to customize this free Checking account with additional features at a cost:

$5 for additional ATM Transactions: Pay no BBVA Compass fee for using another bank’s ATM and up to four automatic rebates per statement cycle of ATM fees charged by other banks.
$2 for Check Supply: Unlimited supply of standard checks and 50% off other styles.
$2 for Cashier’s Checks: Unlimited Cashier’s Checks.
$3 for Safe Deposit Box: 3X5 Safe Deposit Box.

Don’t opt for any of those additional features and your account is fee-free.

Availability? Account is open to residents of AL, AZ, CA, CO, FL, NM, and TX.
Physical Branches? Yes, find a branch or ATM here.
Mobile app? iOS | Android
Bonus offer? Check for current bonus offers
Earns interest? No
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $25
Credit card funding options? You can fund the new account with a Visa/Mastercard up to $5000.
ATM access? Use BBVA Compass ATMs fee-free. You can opt for out-of-network ATM access for a $5 fee.
Full Review: BBVA Compass Review

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Simple Checking Account

Best Choice For: Mobile Banking/Unlimited Referral Bonuses

Simple is an online and mobile only bank that puts more emphasis on going mobile more than other internet banks. They have one of the most feature rich mobile apps and it is evident in the amount of user reviews left in the app stores compared to other banks’ apps.

With the app you can make mobile check deposits, as well as set goals and track your spending with their built-in tools.

There are is no monthly fee, no minimum balance requirement, no overdraft fee, no account closing fee, no card replacement fee, and no fee from Simple for out of network ATMs. You’ll have access to 40,000 in-network free ATMs. However, there is no allotted reimbursement for fees charged by other bank’s ATMs.

You can also earn a $20 sign-up bonus using our referral link below, and then start making your own $20 referral bonuses (unlimited).

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? Unlimited $20 referral bonuses (see full review for details)
Earns interest? No
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Simple to verify.
ATM access? 40,000 in-network ATMs fee-free available.
Full review: Simple Bank

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MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($50 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($50 bonus)

Learn More

More Top Picks

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Schwab High-Yield Investor Checking

Best Choice For: No ATM Fees Anywhere, Worldwide

Most people are familiar with Charles Schwab for offering brokerage services, but their High-Yield Investor Checking account is a secret weapon well known among savvy travelers. This is because the account provides unlimited fee rebates on ATM withdrawals worldwide.

There is no minimum deposit requirement and no monthly service fee. You’ll have access to online bill pay just like with other online-only banks, as well as mobile check deposits.

While you don’t have to use it or even deposit funds into it, you’ll receive a free brokerage account along with this Checking option.

Open a new Schwab brokerage account first with a minimum $1,000 deposit and you can earn a $100 bonus first.

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? $100 bonus with the brokerage account; then you can add the Checking account for free.
Earns interest? Yes, but a low 0.25% APY.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Schwab to verify.
ATM access? Any ATM worldwide that accepts the Visa debit card – unlimited ATM fee rebates. This is the best access for travelers!
Full review: Charles Schwab Checking

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TIAA Yield Pledge Checking

Best Choice For: Free Checking With Bonus Interest

The Yield Pledge Checking account from TIAA Bank (formerly EverBank) is an online Checking account available nationwide.

You can make mobile check deposits with their app. There are no monthly service fees and you’ll actually receive unlimited ATM fee reimbursements if you can maintain a $5,000 minimum balance.

The Yield Pledge Checking account from TIAA is another solid free Checking account option for earning interest. This is especially the case for the first year, where you’ll receive a bonus rate of 1.21% APY on balances up to $250,000. After the first year, the following ongoing rates apply:

Balances	Ongoing APY
$100,000 – $10,000,000	0.71%
$50,000 – $99,999.99	0.61%
$25,000 – $49,999.99	0.61%
$10,000 – $24,999.99	0.46%
$0 – $9,999.99	0.25%

The ongoing rates may change, but this account gets its name from the pledge to always keep the rate within the top 5% of competitive accounts.

Availability? Available online nationwide.
Physical Branches? No
Mobile app? iOS | Android
Bonus offer? Bonus 1st year interest rate of 1.21% APY.
Earns interest? Yes, a lower ongoing rate after the 1st year bonus.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $5,000
Credit card funding options? None – contact TIAA to verify.
ATM access? TIAA Bank does not charge ATM fees and will automatically reimburse you up to $15 for the ATM fees paid at other U.S. ATMs each month, regardless of your TIAA Bank account balance. For TIAA Bank accounts that carry a minimum average daily balance of $5,000, ATM fee reimbursement is unlimited.

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Bank5 Connect High-Interest Checking

Best Choice For: Interest Rate On All Balances

The Connect High-Interest Checking account from Bank5 has no monthly service fee and currently earns 0.76% APY on all balances when you keep at least a minimum $100 balance. You’ll have access to thousands of free ATMs and get reimbursement up to $15 monthly for ATM fees other banks charge. Bank5 Connect will never charge you for using any ATMs.

The minimum opening deposit is only $10, and there’s a lower than average $15 Overdraft Penalty fee.

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? None currently available.
Earns interest? Yes, 0.76% APY on all balances when you keep a $100 minimum balance.
Monthly Fee? None
Minimum balance requirement? None, but $100 to earn interest.
Minimum opening deposit? $10
Credit card funding options? None – contact Bank5 to verify.
ATM access? Find an in-network free ATM here. Use any ATM and Bank5 Connect will never charge a fee on their side. They will reimburse up to $15 each month for ATM fees other banks charge.
Full review: Bank5 Connect Checking

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Ally Interest Checking

Best Choice For: Best Customer Service

Ally bank is an internet-only bank and has a big online presence. They offer the Ally Interest Checking account, which earns interest and will have access to over 43,000 free ATMs in the Allpoint network across the U.S. You’ll also be reimbursed up to $10 per statement cycle for fees charged at other ATMs nationwide.

They are well-known for their customer service and have an online call center that is staffed 24 hours a day, every day of the week. You’ll also have access to online Chat customer service as well.

There are no monthly service fees and you can make mobile check deposits with their app.

Interest Rate:

Less Than $15,000 Daily Balance	$15,000 Minimum Daily Balance
0.10% APY	0.60% APY

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? None currently available.
Earns interest? Yes, 0.60% APY with a $15,000 minimum daily balance.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Ally to verify.
ATM access? Use the more than 43,000 ATMs in the Allpoint network in the U.S. for free. Also, you’ll get reimbursed up to $10 per statement cycle for fees charged at other ATMs nationwide.
Full review: Ally Checking

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Capital One 360 Checking

Best Choice For: Low Overdraft Fees/Bonus Offers

The Capital One 360 Checking account is an online-only account, even though Capital One bank does have physical branches.

There is no monthly service fee and no minimum deposit to open. This Checking account also earns interest.

You’ll have access to 40,000+ free ATMs nationwide in the Allpoint network, as well as the few Capital One 360 Cafes located in eight cities around the country. When using your debit card for purchases abroad, Capital One 360 is one of the few banks that don’t charge foreign transaction fees.

Check deposits can be done with their mobile app. Another great feature the Capital One 360 Checking account provides is their Overdraft Policy. Instead of a flat fee like most banks, you’ll have the option of getting charged an 11.50% APY interest rate on the amount overdrawn. An overdraft of $100 over a one week period would cost you less than a quarter.

Interest Rate:

Account Balance	APY
$0 – $49,999.99	0.20%
$50,000.00 – $99,999.99	0.75%
$100,000 or more	1.00%

To top it all off, there are typically several sign-up bonus offers available for this account.

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? Several bonus offers you can find here.
Earns interest? Yes, balances above $100,000 will earn the best rate.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Capital One 360 to verify.
ATM access? Use the more than 40,000 ATMs in the Allpoint network in the U.S. for free.
Full review: Capital One 360 Checking

Learn More

Chime Free Mobile Banking

Best Choice For: Mobile Banking For Checking/Savings

Chime is a leader in the Mobile Banking sector that is growing more and more popular as consumers are more willing than ever to manage as much as they can on their smartphones.

A Chime account includes a Spending Account (basically a Checking account) and a Savings Account. There are no monthly fees, no minimum balance fees, no overdraft fees and no foreign transaction fees.

You’ll have nearly all the functionality you’d need as you would with a traditional bank account, but obviously there won’t be an option for in-branch service. Your ATM access will include more than 30,000 MoneyPass locations, and over 30,000 cash back locations.

Availability? Available online nationwide.
Physical Branches? No physical branches.
Mobile app? iOS | Android
Bonus offer? No current bonus offers
Earns interest? Yes, but a low .01% APY for the Savings Account.
Monthly Fee? None
Minimum balance requirement? None
Minimum opening deposit? $0
Credit card funding options? None – contact Chime to verify.
ATM access? 30,000 fee-free MoneyPass locations. You won’t be charged by Chime for using out-of-network ATMs, but the ATM service provider may.
Full review: Chime Mobile Banking Review

Learn More

Related Pages At MoneysMyLife:

American Express High Yield Savings Account Offer: 1.75% APY

American Express offers a High Yield Online Savings Account with a 1.75% APY rate.

Since the purpose of this account is to save money over time, American Express does not provide checks or an ATM/Debit card to personal savings accounts. It’s an online-only account available to everyone nationwide, so you’ll need to link another external Checking account in order to make easy online cash transfers.

Update History:
07/03/2018: American Express increases Savings rate from 1.65% APY to 1.75% APY.
06/10/2018: American Express increases Savings rate from 1.60% APY to 1.65% APY.
05/28/2018: American Express increases Savings rate from 1.55% APY to 1.60% APY.
05/10/2018: American Expresss increases Savings rate from 1.45% APY to 1.55% APY
01/06/2018: Savings rate increases from 1.35% APY to 1.45% APY
12/18/2017: Savings rate increases from 1.25% APY to 1.35% APY

More History

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About The American Express Savings Account

American Express Company (NYSE: AXP) or AmEx, is an American financial services corporation headquartered in Three World Financial Center, Manhattan, New York City, New York, United States. Founded in 1850, it is one of the 30 components of the Dow Jones Industrial Average. American Express credit cards account for approximately 24% of the total dollar volume of credit card transactions in the US, the highest of any card issuer.

Fortune listed Amex as one of the top 20 Most Admired Companies in the World. I bring this up only as a reminder you can be confident about where your money is going.

Like any other trusted online account, the American Express High Yield Savings Account is fully protected by the Federal Deposit Insurance Corporation (FDIC). The maximum insured amount is $250,000 per depositor.

Online Savings Account Features

Simple and quick application process with no minimum balance requirement
Earns interest daily
Access to your account online or by phone 24/7
No maintenance fees
Can be linked to three bank accounts
Total maximum balance is $5M (you can save a lot!)
The account is FDIC insured
Clients can set up automatic transfers to/from external accounts
They can also set direct deposit schedules

There are no limits to how many deposits one can make per statement cycle. People who want to add money to their savings on a weekly or even daily basis have the option to do so. There is no minimum initial deposit required. Clients must make a deposit within 60 days of their savings application being approved to activate their accounts or else it will be closed.

As with all savings accounts, the more you put away to save, the more interest you stand to gain.

Opening An Amex Online Savings Account

Savings accounts can be applied for online or by phone. To get started, you’ll need to have the following information:

SSN and date of birth
Account and routing numbers (primary applicants)
Home address, email and phone number

Next, select the High Yield Savings Account and submit your application. Once your application has been approved, you’ll get an email or online confirmation as well as an American Express Savings welcome kit in the mail. Then all there is left to do is to add funds to your account. You can either link an external Checking account and transfer funds that way, or send American Express a check by mail. From then on, you’ll start earning interest on your account.

Author’s Verdict

The American Express High Yield Savings Account is a good solution for individuals who’d like to save money consistently over a long period of time with the option to access their funds on a regular basis (six withdrawals/debits per statement cycle). You can be rest assured that your funds are protected and will give you a higher return on investment than with general checking or savings accounts. That being said, there are many other Online Savings accounts currently that offer the same features, but with higher rates.

Current List Of The Best Savings Accounts

*Compare the Best Savings & Money Market Rates here

Banks like CIT Bank and HSBC Direct are typically consistent with the top rates. Be sure to take a look at Savings Account bonuses as well, including a great offer from Chase Bank. More top Savings accounts below:


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($50 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($50 bonus)

Learn More

More Top Picks

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American Express Bank CD Account Offers

Update History:
07/18/2018: American Express Bank increases rates on 18, 24 and 60 Month CD terms.
07/03/2018: American Express Bank increases rates for 24 to 60 Month CD terms.
05/28/2018: American Express Bank updates rates for 18 to 60 Month CD terms.

More History

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CD Term	APY
6 Months	0.40%
12 Months	0.55%
18 Months	2.40%
24 Months	2.50%
36 Months	2.55%
48 Months	2.60%
60 Months	2.90%

Learn More

Compare To These CD Accounts:

See all the top CD rates here. CIT Bank and BBVA Compass both typically provide competitive rates. See the pages below for reviews of some of the best choices.

Capital One 360 Promotions: $100, $500, $600, Up To $1,000 In Bonuses

By: Tony Phan | Last Updated: July 17, 2018 | This content is not provided or commissioned by the issuer. Opinions expressed here are author’s alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. This site may be compensated through the issuer’s Affiliate Program. Please visit our Advertiser Disclosure for additional details.

Find new Capital One 360 promotions, bonuses and offers here.

Capital One 360 is the online suite of accounts (i.e. Savings, Checking, Business,etc.) available from Capital One bank.

Online checking and savings accounts are becoming more and more popular now, due to the convenience and lack of many fees familiar with the local banks. By cutting many costs involved with traditional face-to-face banking, Capital One 360 can provide money saving options.

The Capital One 360 Checking and Savings accounts are two of the best options available today from a major reputable bank. I’ll go over the current available bonus opportunities, and well as your account options.

Rates are constantly changing, but the Savings and CD rates from Capital One 360 tend to stay somewhat competitive (rarely market-leading though). Compare rates at this Savings Rates page and this CD Rates page.

Capital One 360 $25 Checking/Savings & $100 Money Market Bonus

If you’ve never had a Capital One 360 account before, you can earn a $25 bonus for a new Capital One 360 Checking and/or Capital One 360 Savings account. For the Money Market account, the bonus can range from $25 to $100 depending on your deposit amount.

Expiration: Offer is ongoing
Bonus Amount: $25 Checking, $25 Savings, or $25-$100 Money Market
Account(s) Eligible: Capital One 360 Checking, Savings, Money Market
Availability: Nationwide
Hard/Soft Inquiry: Soft
Direct Deposit Requirement: No
Monthly Service Fee: None

Learn More

How To Earn The Bonuses

360 Savings account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account. Initial deposit does not include bonus. The $25 bonus is available only for new 360 Savings accounts with a new Capital One 360 Customer as the primary account holder. Your $25 bonus will automatically be deposited into your account upon account opening. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.
360 Money Market account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account. Initial deposit does not include bonus. Bonuses are only available for new 360 Money Market accounts with a new Capital One 360 Customer as the primary account holder. The balance/bonus tiers are: $250-$9,999.99 earns a $25 bonus; and deposits of $10,000 or more earn a $100 bonus. The maximum bonus you can earn is $100. Your bonus will automatically be deposited into your account upon account opening. Bonus starts earning interest upon account opening, but is unavailable for withdrawal for 30 days, once the requirements are met.
360 Checking account: Bonuses are only paid for accounts that are opened with an initial deposit of at least $250 from a non-Capital One 360 account, and that have a total of 3 Debit Card purchases or Person2Person Payments (or any combo of the two) post to the account within 45 days of account opening. Initial deposit does not include bonus. The $25 bonus is available only for new 360 Checking accounts with a new Capital One 360 Customer as the primary account holder. The $25 bonus will automatically be deposited into your account on day 50, once the requirements are met. Bonus starts earning interest upon deposit and is available for withdrawal immediately upon deposit.

Capital One 360 $1,000 In Referral Bonus Money

Once you have either(or both) the Capital One 360 Checking or Savings account open, you can refer friends and family. All you have to do is log in to your account online, click on the “Refer a Friend” link, and start referring via Facebook, Twitter, and Email with your own referral link.

You can earn $20 per referral, up to a total of $1,000 in bonus money. And to help entice your friends and family, they can also earn a sign-up bonuses by meeting the requirements on the offer page.

Expiration: None
Bonus Amount: Up To $1,000 Total
Account(s) Eligible: You can make referrals if you have any Capital One 360 account
Availability: Nationwide
Minimum Opening Deposit: The referred must make an initial deposit of at least $250.
Bonus Requirements:
- The referred must open an account using your referral link and make an initial deposit of $250.
- The $250 will be unavailable for withdrawal for 30 days.
- After the referred meets those requirements, your bonus will be deposited into your own open account.

Compare To These Savings/Money Market Accounts

I keep all Savings/Money Market bonus offers updated here, including a great Savings offer from Chase Bank. If you’re looking for good rates for Savings/Money Market accounts, CIT Bank and HSBC Direct have some good choices.


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($50 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($50 bonus)

Learn More

More Top Picks

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Capital One 360 $500 Money Market Bonus

$500 Money Market Promo

Open a new 360 Money Market account with Capital One 360 and earn up to a $500 bonus with this offer. This account also earns a good rate, but CIT Bank will offer a better Money Market rate. HSBC Direct also offers a popular Savings account option.

$500 bonus offer has expired
360 Money Market account qualifies for this promo
APY rate offer: 1.60% APY
Offer available nationwide
Application triggers a Soft Pull, which does not affect your credit
No Monthly Fees with this account

Learn More

How To Earn Up To $500

To earn your bonus, you must open a 360 Money Market account with the promo code MONEY2018 and deposit at least $20,000 no later than 06/30/2018.
If you have, or have had, an open savings product with Capital One after January 1, 2016, then you won’t be eligible for the bonus.
To earn a bonus your account must be funded with at least $20,000 in the first 10 days of account opening (Initial Funding Period) from a non-Capital One account.
You must then maintain that balance for the first 90 days following the Initial Funding Period.
The amount of your bonus will be determined as follows:

Balance	Cash Bonus
$20k	$100
$40k	$200
$60k	$300
$80k	$400
$100k	$500

Fine Print

Your bonus will be based on the lowest amount maintained for 90 days.
If your balance drops to a lower tier at any point during the 90-day period, you will earn the lower tier bonus.
If you make additional deposits during the 90-day period to reach the next level tier, you will still only be eligible for the lower tiered balance.
This bonus offer cannot be combined with any other Capital One Bank or Capital One 360 new account opening offer and is strictly non-transferable.
The offer is not valid for multiple accounts.
If you qualify for a bonus, Capital One will deposit the bonus money into your account in approximately 60 days following the 90-day balance maintenance period.
Once it’s deposited, the funds will be available immediately.
Account must be in good standing (not in default, closed, or suspended, or otherwise not in good standing).

Capital One 360 Accounts Review

When you browse the Capital One 360 website, you’ll see the product portfolio includes checking, savings, CDs, home loans, business accounts, and more.

I’ll talk about their most popular accounts types below.

CheckingSavingsCDsMoney Market

The Capital One 360 Checking is a good option for online checking. It’s also one of the best accounts for using foreign ATMs.

There is no minimum balance to worry about, no monthly maintenance fees, and you get to use the 38,000 Allpoint ATMs along with the 2,000 Capital One ATMs nationwide, for free. Allpoint ATMs can be found at well-known businesses like 7-Eleven, Walgreens, CVS, Target, Tom Thumb, etc. Basically, you’ll have more options for free ATM use than with your local bank.

You’ll get a free MasterCard debit card, just like you would with your local bank.

How do you make deposits with an online checking account? Well, they have a mobile app that can handle that, along with all your common banking transactions. If you’ve never made a deposit through your smartphone before, you will learn to love the convenience it provides.

capital-one-mobile-app

You can protect yourself from insufficient funds by linking a free 360 Savings account, or by applying for an Overdraft Line of Credit (you borrow money to pay for insufficient funds).

Lastly, one of the coolest features of the Capital One 360 online checking account is that you actually earn a decent interest rate on your balance. There’s simply no comparison versus the local banks.

Learn More

Update History:
12/28/2017: Savings Account finally gets a rate increase to 1.00% APY – a modest increase for an online Savings account

More History

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The Capital One 360 Savings is a very popular online Savings account option when there’s a bonus offer available. Otherwise, the highest rate is just 1.00% APY (at the time of this article update).

Just like with the checking account, there are no fees and no minimums to worry about here either.

You can use the mobile app to make deposits here also. You can also make deposits over the phone or by mailing in a paper check.

If your company does Direct Deposit, it might be a good idea to have your paycheck go straight into the Capital One 360 Savings account and just transfer over to your linked checking account as needed. The checking account can be a local bank or the Capital One 360 checking. Either way, the transfers are free of charge.

Of course, you’ll earn a much better interest rate compared to your local bank.

Learn More

Here’s another area where Capital One 360 shines. Their CDs are becoming very popular with very competitive rates and just a $1 minimum balance requirement to earn the rate.

Update History:
07/02/2018: Capital One 360 updates rates on 12 to 60 Month CD terms.
05/29/2018: Capital One 360 raises rates on all CD terms.
04/27/2018: Capital One 360 raises rates on 12-36 Month and 60 Month CD terms.
03/15/2018: 12/18 Month CD terms get rate increases
02/18/2018: 12 Month to 60 Month CD terms get rate updates

More History

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Deposits are FDIC insured up to $250,000 per depositor
Terms from 6 months to 60 months
You can choose to get interest paid at the end of the term, monthly, or annually.

Current CD Rates
Term	APY
6 Month	0.60%
9 Month	0.75%
12 Month	2.30%
18 Month	1.75%
24 Month	2.50%
30 Month	2.50%
36 Month	2.55%
48 Month	2.60%
60 Month	2.90%
*I keep these rates updated daily, but always check directly with the bank for confirmation.

Learn More

*Be sure to read my guide on CDs to find the best rates.

Top CD Accounts For Comparison:

CIT Bank and BBVA Compass have good CD accounts options, but view the ones offered by the following banks before deciding:

Capital One 360 currently offers some of the best rates with their Money Market account. This online account is also fee-free and FDIC insured.

Update History:
07/17/2018: Capital One 360 raises Money Market rate from 1.60% APY to 1.75% APY.
04/27/2018: Capital One 360 raises Money Market rate to 1.60% APY.
02/18/2018: Money Market rate increases from 1.40% APY to 1.50% APY for $10k+ balances
01/19/2018: Money Market rate increases from 1.30% APY to 1.40% APY for $10k+ balances
10/31/2017: Money Market rate increases from 1.20% APY to 1.30% APY for $10k+ balances
08/28/2017: Money Market rate increases to 1.20% APY for $10k+ balances
07/09/2017: Money Market rate increases to 1.10% APY for $10k+ balances

More History

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360 Money Market Rates
Account Balance	APY
$0-$9,999.99	0.85%
$10,000 or more	1.75%

Learn More

Top Money Market Accounts For Comparison:

The CIT Money Market and BBVA Compass Money Market accounts have great ongoing rates. For a great online Savings account from a big bank, HSBC’s is a good one. The banks below have the best Money Market accounts currently:

Top Bank Promotions You May Like

Check back at this page for the latest Capital One 360 promotions, bonuses and offers!

CIT Bank Promotions: Online Money Market Account 1.85% APY Offer

CIT Bank is another online-only bank that is currently offering some of the best Savings and CD rates in the nation. They are best known for their Savings Account and CD options, and rates are consistently near the top of the market nationwide.

CIT (Commercial Investment Trust) offers Savings Accounts, Certificates of Deposit (CDs), and IRA CDs. Because they operate solely online, they avoid the overhead costs of operating physical branch locations and can pass on theses savings in the form of higher rates.

CIT Bank operates under the CIT Group, which is a Fortune 500 holding company that’s involved in financing and leasing activities throughout the world.

CIT Bank Online Money Market Rate Offer: 1.85% APY

One of the top Money Market accounts available

CIT Bank now offers an online Money Market account that earns one of the best rates nationwide. This account is basically a liquid savings account that pays a variable rate of interest and allows deposits, transfers and withdrawals with a limit of six such transactions per monthly statement cycle which is governed by federal regulation.

Current rate: 1.85% APY
Rate offer has no listed expiration date, but is variable and may change at anytime.
CIT Bank Money Market account is eligible for this offer
Offer is available online, nationwide
Minimum opening deposit of $100
No Monthly Service Fees
6 transactions monthly (deposits, transfers, withdrawals)
Use People Pay to send money from your Money Market account to almost anywhere with an email address or mobile phone number.
FDIC insured

Learn more at CIT


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($50 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($50 bonus)

Learn More

More Top Picks

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CIT Bank Online Premier High Yield Savings 1.55% APY Offer

CIT Bank Premier High Yield Savings Jan 2018 Offer

Rates keep going up!

CIT Bank’s Premier High Yield Savings account will now earn the highest rate on all balance tiers. Formerly, the highest rate was capped at $250,000 balances.

Rate offer has no listed expiration date
Highest current rate: 1.55% APY
Premier High Yield Savings is eligible for the offer
Offer is available online, nationwide
Minimum opening deposit of $100
No Monthly Service Fees
Interest is compounded daily for this account
There is no minimum daily balance requirement
FDIC Insured

Learn more at CIT

$100 Minimum Opening Deposit
No Fees to Open or Maintain
Daily Compounding Interest
24/7 Secure Online Banking
US-based Customer Service
FDIC Insured

Account Features

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How To Get The 1.55% APY

1.55% APY details:

1.55% APY is applied to all balances.
Interest rates for the Premier High Yield Savings account are variable and may change at any time without prior notice.

*You can find all current bank sign-up bonuses here

Top Savings Accounts For Comparison:

See this Savings Account Rates page for a full comparison. The HSBC Online Savings account is one of the best from a big bank. Also, see more Savings Account bonuses here, including a great offer from Chase Bank. Check out the current best Savings accounts below:

CIT CD Account Promotions

Update History:
07/06/2018: CIT Bank increases rates for 1 Year to 18 Month Term CDs.
03/03/2018: No-Penalty CD rate increases to 1.85% APY
01/25/2018: 13 Month Term CD rate increases to 1.70% APY

More History

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CIT Bank differs from other banks by offering quite a variety of CD options:

Term CDs
No-Penalty CDs
RampUp CDs
RampUp Plus CDs
Jumbo CDs

We’d recommend one of the Term CDs, where the minimum deposit is $1,000 and the rates are good. If you’re depositing at least $100K, then the Jumbo CDs will give the highest rates.

Learn more at CIT

Term CDs

Minimum deposit of $1,000
Selection of terms to meet your needs – From their short-term 6-Month and 1-Year CDs to their longer term 5-Year CDs
No account opening or maintenance fees
Daily compounding interest to maximize your earning potential
FDIC insured**

Term CD Rates
Term	APY
6 Month	0.72%
1 Year	2.50%
13 Month	2.25%
18 Month	2.50%
2 Year	1.40%
3 Year	1.30%
4 Year	1.50%
5 Year	1.70%

No-Penalty CDs

Minimum deposit of $1,000
You may withdraw the total balance and interest earned, without penalty, beginning seven days after funds have been received for your CD. No withdrawals are permitted during the first six days following the receipt of funds
No account opening or maintenance fees
Daily compounding interest to maximize your earning potential
FDIC insured**

No-Penalty CD Rates
Term	APY
11 Month	1.85%

RampUp CDs

Available in 3 and 4 year terms
Minimum deposit of $25,000 for the 3-Year RampUp™ CD or $50,000 for the 4-Year RampUp™ CD
Option to increase your rate once during the term of your CD if their rates go up**
Enjoy the security of a CD and stay in your original rate until maturity, if their rates go down
No account opening or maintenance fees
Daily compounding interest to maximize your earning potential
FDIC insured^†
Exercise your rate increase option at any time by calling 855-462-2652

RampUp CD Rates
Term	APY
3 Year	1.20%
4 Year	1.38%

RampUp Plus CDs

Available in 1 and 2 year terms
Minimum deposit of $25,000
Option to increase your rate once during the term of your CD if their rates go up**
If their rates go down, you can still add to your deposit and earn interest at the higher initial rate
Freedom to add to your original deposit once during the term of your CD
No account opening or maintenance fees
Daily compounding interest to maximize your earning potential
FDIC insured†
Exercise one or both of your options at any time by calling 855-462-2652

RampUp Plus CD Rates
Term	APY
1 Year	1.26%
2 Year	1.27%

Jumbo CDs

Minimum deposit of $100,000
No account opening or maintenance fees
Daily compounding interest to maximize your earning potential
FDIC insured**

Jumbo CD Rates
Term	APY
2 Year	1.45%
3 Year	1.40%
4 Year	1.60%
5 Year	1.75%

Compare To These Top CD Accounts:

BBVA Compass also tends to have good online CD specials. Read my guide on finding the best CD rates here. See the pages below for some of the top CD account choices.

You Might Also Like These Bank Promotions:

Take a look at the best Checking & Savings sign-up bonuses here, including offers from HSBC Bank, Chase Bank, TD Bank and more.

Chase Coupon Promo Codes: $200, $300, $350, $500 – July 2018

Chase Bank coupon codes, bonuses, and promotions for their Checking, Savings and Business accounts can all be found up-to-date here.

Chase promotions are constantly updated throughout the year, so bookmark this page for updates.

Many Chase coupon codes are periodically available. Current and past coupons include the following: $100, $150, $175, $200, $250, $300, $350, $400, $500, $600 and $800 offers.

Chase is the second largest bank in the nation, after Wells Fargo, ranked by the number of branch locations. Established in 1982 as The Chase Manhattan Bank, they are currently headquartered in Newark, Delaware and have 16,000 ATMs and 5,100 branches throughout these states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WI, and WV.

Locations Map:

*If you like signing up for bank promotions, see our complete list here.

We’ll review the current Chase bonus coupons below.

$300 Chase Premier Plus Checking^SM Account Bonus

Chase Premier Plus Checking $300 Bonus 2

A great $300 bonus for a Checking account

Get $300 when you open a new Chase Premier Plus Checking^SM account and set up direct deposit. It’s one of the best bonus offers Chase has ever had.

You can open your account online for this offer.

$300 bonus offer expires on 10/15/2018
Available Nationwide
You can fund up to $500 with a non-Chase credit card towards the opening deposit
Application triggers a Soft Credit Inquiry, which does not affect your credit
$25 minimum opening deposit
Direct Deposit is required for the bonus (here are some options)
The Monthly Fee can be waived (details below)

See Details

Enjoy $300 as a new Chase checking customer, when you open a Chase Premier Plus Checking^SM account and set up direct deposit.
Get $300, more benefits, and earn interest on your new Chase checking account.
The $25 Monthly Service Fee is waived when you keep an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances.
No Chase fee on first four non-Chase ATM transactions per statement period.
Earn interest on your checking account balance.
Access to over 16,000 Chase ATMs and 5,100 branches.
Apply online in minutes. Open your account online now.
Available in: AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WI, WV

Chase Premier Plus Checking℠ Account Features

Hide

How To Get Your $300 Bonus

Open a new Chase Premier Plus Checking^SM Account online and deposit $25 or more at account opening. If you prefer to open in-branch, be sure to use the offer page to print out a personalized coupon.
Have a direct deposit made to this account within 60 days of account opening. There is no specified minimum direct deposit amount.
After all requirements are met, you’ll receive the bonus deposited into your account within 10 business days.
*Very important!* If this checking account is closed by either you or Chase within six months after opening, your bonus will be deducted at closing!

Waive The $25 Monthly Service Fee

You must do AT LEAST ONE of the following each statement period to avoid the Monthly Service Fee:

Option 1: Keep an average daily balance of $15,000 or more in any combination of qualifying Chase checking, savings and other balances; OR,
Option 2: Have automatic payments to your qualifying linked Chase mortgage from your Chase account.

Author’s Verdict

If you can meet the monthly requirement(s) to waive the service fee, we recommend the Chase Premier Plus Checking℠ option the most. The bonus offer is one of the best in the market and you’ll get a few extra nice account features. You can use non-Chase ATMs fee-free up to 4 times each statement period. This account even earns interest. Also, you won’t have to worry about any Monthly Service Fee on a linked personal Chase Savings account.

Get Up To $350: Chase Total Checking® and Chase Savings^SMBonus

Chase Total Checking And Savings $350 Bonus

Get up to $350 bonus cash

Earn a $200 bonus when you open a new Chase Total Checking^® account and set up direct deposit. Also earn a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 20 business days & maintain a $10,000 balance for 90 days. You can choose to take advantage of both offers for a combined $350 bonus, or just one of them.

You can open your account online for this offer.

$350 bonus offer expires on 10/15/2018
Available Nationwide
Application triggers a Soft Credit Inquiry, which does not affect your credit
You can fund up to $500 with a non-Chase credit card towards the opening deposit
$25 minimum opening deposit for the Chase Total Checking^®
$25 minimum opening deposit for the Chase Savings^SM
Direct Deposit is required for the Chase Total Checking^®bonus (see some options here)
The Monthly Fee can be waived (details below)

See Details

Get up to $350 when you open a new Chase Total Checking® account with Direct Deposit and/or open a new Chase Savings^SM account, deposit $10,000 or more in new money and maintain a $10,000 balance for 90 days.
Get a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit.
Get a $150 bonus when you open a new Chase Savings^SM account, deposit a total of $10,000 or more in new money within 20 days, and maintain a $10,000 balance for 90 days.
Access to over 16,000 Chase ATMs and 5,100 branches.
Chase QuickPay® with Zelle® – Take the drama out of splitting a check.
Real-time fraud monitoring – We watch your debit-card to help your money stay your money.
Apply online in minutes. Open your account online now.
Available in: AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WI, WV

Chase Total Checking^® and Chase Savings^℠ Features

Hide

The $200 Chase Total Checking^® Account Bonus

Open an account online with a minimum $25 deposit, or use the offer link to receive your personalized Chase coupon for an in-branch visit.
Have a direct deposit made into this account within 60 days of opening. There’s no specified minimum direct deposit amount with this offer.
Once all requirements are met, you’ll get the bonus deposited within 10 business days.

The $150 Chase Savings^SM Account Bonus

Open an account online and deposit a total of $10,000 or more in new money within 20 business days of opening. You can also use the offer link to receive your personalized Chase coupon for an in-branch visit.
You must maintain at least a $10,000 balance for 90 days from the date of deposit to get your bonus.
This new money cannot be funds held by Chase or its affiliates.
Once all requirements are met, you’ll have the bonus money deposited within 10 business days.

*Very important!* If the Checking or Savings account is closed by either you or Chase within 6 months after opening, your bonus will be deducted at closing!

Waive The Monthly Service Fee

The $12 Monthly Fee for the Chase Total Checking^® and the $5 Monthly Fee for the Chase Savings^SM account can both be waived.

Waive The $12 Chase Total Checking^® Monthly Service FeeWaive The $5 Chase Savings^SM Monthly Service Fee

Avoid the $12 Chase Total Checking^® Monthly Service Fee by doing AT LEAST ONE of the following each statement period:

Option 1: Have monthly direct deposits totaling $500 or more made to this account; OR,
Option 2: Keep a minimum daily balance of $1,500 or more in your checking account; OR,
Option 3: Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances.

Avoid the $5 Chase Savings^SM Monthly Service Fee by doing AT LEAST ONE of the following each statement period:

Option 1: Keep a minimum daily balance of $300 or more in your savings account; OR,
Option 2: Have at least one repeating automatic transfer of $25 or more from your Chase personal checking account (available only through Chase Online^SM Banking); OR,
Option 3: Have a linked Chase Premier Plus Checking^SM, Chase Premier Platinum Checking^SM, or Chase Private Client Checking^SM account.

Author’s Verdict

The Chase Total Checking^® account is a bit more popular because the minimum daily balance to waive the Service Fee is less. We do prefer the Chase Premier Plus Checking^SM account, but this one will have everything most customers need. Just remember to meet the monthly requirement to waive the Service Fee on the Chase Savings^SM when linking to the Chase Total Checking^®.

Chase Business Checking $200 Bonus

One of the best Business Checking offers available

Here’s an offer for a $200 sign-up bonus for a new Chase Business Checking Account.

$200 bonus offer expires on 10/10/2018
Eligible accounts: Chase Total Business Checking^®, Chase Performance Business Checking^®(or Chase Performance Business Checking^® with Interest), or Chase Platinum Business Checking^SM account
Available Nationwide
You can fund up to $500 with a non-Chase credit card towards the opening deposit
Application triggers a Soft Credit Inquiry, which does not affect your credit

Learn More

Designed for growing businesses to manage cash flow on the go.

Monthly Service Fee $12 when you are enrolled in Paperless Statements (or $15 for paper statements); waived when you maintain a $1,500 minimum daily balance
Provides up to 100 transactions per month without a fee, plus unlimited electronic deposits (excluding wires)
$5,000 in cash deposits each month without a fee
Allows incoming and outgoing domestic and international wires
Provides 24/7/365 access to chase.com

Account Features

Hide

How To Earn The $200 Bonus

Use the offer page to get your personalized coupon to bring into a nearby branch.
Open a Chase Total Business Checking^®, Chase Performance Business Checking^®(or Chase Performance Business Checking^® with Interest), or Chase Platinum Business Checking^SM account.
Deposit $1,000 in new money within 20 business days of account opening.
Maintain at least $1,000 balance for 60 days from the date of deposit. The new money cannot be funds held by Chase or its affiliates.
Complete 5 qualifying transactions within 60 days — debit card purchases, checks paid, Chase QuickDeposit^SM, ACH (Credits and Debits), wires (Credits and Debits).
After you have completed all the above checking requirements, they’ll deposit the bonus in your new account within 10 business days.

Fine Print

You can only receive one new business checking account opening related bonus per calendar year and only one bonus per account.
Employees of JPMorgan Chase Bank, N.A. (“Chase”) and their affiliates are not eligible.
Chase reserves the right to withdraw this offer at any time without notice.
Bonuses are considered interest and may be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Chase College Checking^SM $50 Bonus

Chase Bank is offering a $50 bonus when you open a new Chase College Checking^SM account and meet the requirements below.

This offer is set to expire on 08/13/2018.

Get $50 as a new Chase checking customer when you open a Chase College Checking^SM account, enroll in paperless statements and complete 10 qualifying transactions.
Access to over 16,000 Chase ATMs and 5,100 branches
There is no Monthly Service Fee from the time of account opening until after the student’s expected graduation date up to 5 years.
Deposit checks from virtually anywhere, anytime, just by taking a photo with the Chase Mobile^® app.
Available in: AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, LA, MI, NJ, NV, NY, OH, OK, OR, TX, UT, WA, WI, WV
Pricing:
- APY: N/A
- Minimum Balance to Open: $25
- Monthly Service Fee: $6
- NSF(Non-Sufficient Funds) Fee: $34
- ATM Surcharge: $2.50 (in US), $5 (outside US)

See Details

How To Earn The $50 Bonus

Open a new Chase College Checking^SM account with your personalized coupon emailed from the offer page. The minimum opening balance is $25.
Enroll in paperless statements and complete 10 qualifying transactions within 60 days of account opening.
- Qualifying transactions include: debit card purchases, online bill payments, checks paid, Chase QuickDeposit^SM, Chase QuickPay^®, or direct deposits.
- Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government.
After you have completed all the above requirements and the 10 qualifying transactions have posted to your account, they’ll deposit the bonus into your new account within 10 business days.

Fine Print

College student must be 17 – 24 years old to open a Chase College Checking^SM account and must provide a valid student ID or proof of enrollment/acceptance, college name, and expected graduation date at account opening.
Offer not available to existing Chase checking customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
Employees of JPMorgan Chase Bank, N.A. and its affiliates are not eligible for this offer.
You can receive only one new checking account related bonus each calendar year and only one bonus per account.
Bonus is considered interest and will be reported on IRS Form 1099-INT.
If the checking account is closed by the customer or Chase within six months after opening, they will deduct the bonus amount at closing.

Chase Business Total Savings^SM$200 Bonus

Earn a $200 bonus with this offer when you open a new Chase Business Total Savings^SM account or better. You’ll need to be able to deposit at least $15,000 to qualify for the bonus.

$200 bonus offer expires on 08/30/2018
Eligible account: Chase Business Total Savings^SMor better
Available Nationwide
You can fund up to $500 with a non-Chase credit card towards the opening deposit
Application triggers a Soft Credit Inquiry, which does not affect your credit

Learn More

How To Earn The $200 Bonus

Use the offer page to request an offer code
To receive the bonus:
- 1) Open a new Chase Business Total Savings^SM account or better, which is subject to approval;
- 2) Deposit a total of $15,000 or more in new money within 20 business days of account opening; AND
- 3) Maintain at least a $15,000 balance for 90 days from the date of deposit.
After you have completed all the above requirements, they’ll deposit the bonus in your new account within 10 business days.

Fine Print

Savings offer is not available to existing Chase business savings clients, local, state or federal Government entities or agencies, Not for Profit organizations, Political Action Committees, or those with fiduciary accounts, campaign accounts, or whose accounts have been closed within 90 days or closed with a negative balance.
The new money cannot be funds held by Chase or its affiliates.
You can only receive one new savings account related bonus per calendar year and only one bonus per account.
Employees of JPMorgan Chase, N.A. and their affiliates are not eligible.
Chase reserves the right to withdraw this offer at any time without notice.
The bonus is considered interest and will be reported on IRS Form 1099-INT.

Tips For Chase Coupon Promotions

For all of the Chase Checking bonus offers, you cannot be an existing Chase checking customer, have a fiduciary account, or have a Chase checking account closed within 90 days or closed with a negative balance. So, you must wait at least 90 days after closing a Chase checking account to meet the “new customer” qualification.
You can only earn ONE new Checking and ONE Savings account opening bonus each CALENDAR YEAR and only ONE bonus per account. That means you can get a new bonus in 2016, 2017, 2018, etc. as long as all other requirements are met.
Direct Deposit requirements for the checking Chase coupons must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. While there’s no guarantee, some people report an ACH push from a different bank may work (Citibank, M&T Bank, etc.), or from a brokerage firm (i.e. TD Ameritrade). More on this here.
These bonuses are considered interest and will be reported on IRS Form 1099-INT.
All Chase Checking accounts have access to 16,000 Chase ATMs & 5,100 branches.
All Chase Checking accounts feature Chase QuickDeposit^SM(deposit checks with your smartphone!) and Chase QuickPay^SM(person-to-person payments; pay anyone who has an email address/mobile number).
Your Chase Debit card will have chip security now.
There are coupons available that DO require Direct Deposit and those that DO NOT. The coupons that don’t require Direct Deposit are single-use mailed offers in certain markets. Chase bank offers available through direct online links will require Direct Deposit.
See Chase Military Program benefits here.

Chase $500 In Checking/Savings Referral Bonuses

Here’s a good chance to earn some extra cash via referrals if you currently have a Checking account with Chase Bank. You’ll be able to earn $50 per qualifying referral, up to $500 a year. Your friend will receive the same bonus offer for a Chase Total Checking^® and/or a new Chase Savings^SM as explained above.

Referral offer may be down, but you can check this referral link for current offers
A new Chase Total Checking^® and/or a new Chase Savings^SMis eligible for the referral bonus

How To Make $50 Per Referral, Up To $500 A Year

Once you’re a current Chase Checking customer, enter your last name, zip code, and last 4 digits of your debit card.
Use the referral form to make referrals via Email, Facebook, or Twitter.
Your referral must open a new Chase Total Checking^® and/or a new Chase Savings^SM account with qualifying activities by Jan. 02, 2018. Your referrals can earn up to $350 by meeting the requirements as explained on their referral invitation.
You will get $50 for each friend who opens a qualifying checking or savings account (up to 10 bonuses per year).

Fine Print

Referral bonus is available to eligible personal checking and savings account holders that hold EMV-enabled debit and ATM cards.
To receive the $50 Refer-a-Friend bonus: 1) Refer your family and friends to open a New Chase Total Checking^® and/or New Chase Savings^SM account; 2) Referred candidate must be a new Chase customer and open a Chase Total Checking^® and/or Chase Savings^SM account using corresponding coupon; AND 3) After your referred family and friends have opened their Chase Total Checking^® or Chase Savings^SM account, we’ll deposit the $50 bonus into your primary checking account within 10 business days.
You can receive up to 10 referral bonus deposits (totaling $500) each calendar year.
Bonuses are considered miscellaneous income, and may be reportable to you and the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

Open a new Chase Checking account first if you aren’t already a customer.

$200 Chase Total Checking^® Coupon

$300 Chase Premier Plus Checking^SM Coupon


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($50 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($50 bonus)

Learn More

More Top Picks

Hide

More Info On Coupons Up To $500

Chase $500 Business Checking Coupon

There’s a $500 coupon offer for Business Checking accounts that is available from time to time that we keep updated here. Typically, only current Chase customers will be able to access the offer by signing into their Chase account online. You’ll receive a unique coupon code that you can bring into a nearby branch to use.

Chase $300 Checking and $200 Savings Coupon

Another coupon code only available as a direct mailed offer, you’ll have to bring the Chase Total Checking® coupon into a local branch to open the account with a $100 opening deposit and set up Direct Deposit. The Chase Savings^SM account bonus will require a $15,000 opening deposit, which you must keep in the account for at least 90 days. This is a pretty awesome offer where you can earn a $500 total bonus.

MISC. Places You’ll Find Coupons:

You’ll often find these Chase mailer coupons that have been thrown away in the recycle/trash bins in post offices. Again, not all markets/cities receive these mailers.

Also, usually when you use the USPS.com mail Forwarding service to change your address, a lot of the time you’ll get offered a higher value individual.

Example of a $300 Checking coupon…

Top Bank Promotions For Comparison:

Other popular bank bonuses currently include those from TD Bank, HSBC Bank and CIT Bank to name a few. See them all on our Bank Bonuses Page.

Bookmark this page to keep updated with the latest Chase Bank promotions and bonuses!

Best Savings Accounts And High Yield Rates July 2018

Do you need to find out which bank has the best Savings Account rates? Or, how about which has the best Money Market interest rates? Maybe you need a quick overview of the differences between the two types of interest-earning accounts to begin with.

We’ll go over all of these questions and help you find the best interest rates available.

Our other top bank guides:

Savings Vs. Money Market Accounts

First things first, let’s go over what a Money Market account is (MMA for short). Most people have a pretty good idea of what a traditional Savings Account is.

The two are VERY similar, and most banks will offer both types of accounts. The table below will summarize the key similarities and differences.

Similarities	Differences
Both are simple and straightforward to open.	Money Market accounts typically have more Checking-like features, such as electronic funds transfers, checks, debit cards and ATM withdrawals.
Both will be FDIC insured, keeping your deposits safe.	Savings accounts generally only allow access to fund via electronic funds transfers, telephone withdrawals, or in-person withdrawals at a branch.
Both accounts will be limited on certain types of withdrawals per billing cycle (6 is the limit for these certain types by law).	As you’ll notice below, Money Market accounts often require higher minimum balances to earn the rate.

While the minimum balance requirements may vary, most of the banks with the best rates keep the rates fairly competitive between their High Yield Savings and Money Market accounts. Also, it isn’t always the case that the Money Market account from the same bank will have better rates than its Savings account.

Aside from the interest rates, the other main deciding factor will be how you’ll need access to your funds (you’ll have more options with Money Market Accounts). A lot of people consider MMAs more a hybrid Checking/Savings account, with its limited Checking capabilities. Keep in mind, many banks limit you on the amount of check writing per month. Both a Savings and Money Market account are limited by the Federal Reserve on the total number of transactions a month.

Most consumers will choose a Money Market account for the flexibility of an emergency fund, and a Savings account for longer-term earnings. If all you’re looking for is an account to hold your savings and earn interest, simply choose the account with the best rates (assuming you can meet any minimum balance requirement).

Where To Get The Best Interest Rates?

We’ve searched through all the best rates from credit unions, local/national traditional banks, and online banks. Credit unions and traditional banks operate via brick-and-mortar locations and accumulate more overhead costs. They simply can not compete with the rates provided by online banks.

Online banking is trending up and more consumers are taking advantage of the benefits. Most people just haven’t learned about the higher rates, or are just more comfortable with big local banks. In terms of deposit security concerns, remember that your deposits are FDIC insured from all the banks listed on this page. Most of these online banks have been around for years or decades, and many are actually just the online division of a bigger, established banking group. Once you start looking at the rates provided by internet-only banks, you’ll find they’re better with all accounts – Checking, CDs, IRAs, etc.

Even when taking into account the rates provided by credit unions and traditional banks, all the best rates available nationwide are from online banks. Down below, we’ve compiled the best Savings and Money Market accounts by category and also go over special promotions offered by several banks.

Best Savings Accounts By Category

Besides the interest rates, there may be other factors that can influence your choice of Savings account. We’ll discuss below how certain banks specialize in particular areas.

Best Rate & Features: CIT Bank Savings (Available Nationwide)

CIT Bank is now offering one of the best rates at 1.55% APY on all balances (*see their Money Market account below for an even better rate). Previously their highest rate was capped at $250,000. The minimum opening deposit is only $100 and there are no fees open or maintain the account, which compounds interest daily.

Learn More

Best Bonus: Chase Savings^SM

While the APY rate isn’t great, the Chase Savings^SM account usually has a great sign-up bonus that is very popular. Plus, they are the second biggest bank in the nation and offer a full range of services. There’s typically a $100-$150+ offer, where you’ll have to deposit a sum of money and maintain that balance for a specified amount of time required for the bonus. Get all the details with our Chase promotions review here.

Learn More

*We keep an updated list of Savings Account bonuses here

Best Savings From A Major Bank: HSBC Direct Savings (Available Nationwide)

HSBC Bank is offering 1.80% APY. The minimum balance to earn this APY is just $1. There is no monthly maintenance fee, and you’ll have 24/7 online account access. Depositing checks is as simple as taking a picture with your mobile device using HSBC Mobile Banking. Member FDIC.

Earn 1.80% APY on all balance tiers
No monthly maintenance fee
Minimum balance to earn APY is $1
Apply online today
Move money quickly and access your funds using online transfers
Depositing checks is as simple as taking a picture with your mobile device using HSBC Mobile Banking
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Learn More

Best High Yield Savings With ATM Access

Synchrony Bank consistently offers one of the highest rates with their Savings account, and it comes with the convenience of an ATM card. Get all the benefits on an online-only bank, with no monthly fee or minimum balance requirements. There’s also a rewards program where you can earn discounts on car rental, hotels, spas, etc.

Learn More

All The Best High Yield Savings Account Rates

*Accounts below are all available nationwide

*Update History:
07/18/2018: Discover raises Online Savings rate to 1.75% APY. Bank5 Connect increases Savings rate from 0.90% APY to 2.05% APY. HSBC Direct raises Savings rate to 1.80% APY.
07/15/2018: Quorum Federal CU raises HighQ Savings rate from 1.25% APY to 1.75% APY. Northpointe Bank decreases Ultimate Savings rate from 2.05% APY to 1.95% APY. Alliant CU increases High Yield Savings rate from 1.60% APY to 1.70% APY. SmartyPig raises Savings rate from 1.45% APY to 1.55% APY.
07/07/2018: Salem Five Direct raises eOne Savings account rate up to 2.05% APY.
07/03/2018: Barclays increases Savings rate to 1.75% APY. Ally Bank raises Online Savings rate from 1.60% APY to 1.75% APY. American Express increases Savings rate from 1.65% APY to 1.75% APY. Sallie Mae raises Money Market rate to 1.90% APY and raises High Yield Savings rate to 1.75% APY.
06/29/2018: HSBC Direct increases Savings rate to 1.70% APY with a minimum balance of $1 to earn the stated APY.
06/28/2018: Sallie Mae raises High Yield Savings rate to 1.65% APY. Newtown Savings Bank increases their NSBiSavings account rates for balances of greater than $50,000.
06/24/2018: SmartyPig raises Savings rate from 1.40% APY to 1.45% APY. Incredible Bank increases Savings rate for balances $25k and above to 1.88% APY. 06/23/2018: Heritage Bank raises Savings rate for balances of $100,000 and up. Marcus by Goldman Sachs raises Savings rate to 1.80% APY.
06/19/2018: Discover raises Online Savings rate to 1.65% APY. FNBO Direct raises Savings rate to 1.75% APY. PurePoint raises Savings rate to 1.90% APY. SFGI increases Savings rate to 1.81% APY. Alliant CU increases High Yield Savings rate from 1.50% APY to 1.60% APY.
06/12/2018: American Express increases Savings rate from 1.60% APY to 1.65% APY. Synchrony Bank raises Savings rate from 1.65% APY to 1.75% APY. Discover Bank raises Savings rate to 1.60% APY.
05/28/2018: American Express increases Savings rate from 1.55% APY to 1.60% APY.
05/24/2018: Utah First increases Dedicated Savings rate to 1.30% APY. Northpointe Bank increases Ultimate Savings rate to 2.05% for balances above $25,000. E*TRADE Bank’s online Savings account with a 1.50% APY added to the list. HSBC Direct increases Savings rate from 1.50% APY to 1.60% APY. Popular Direct updates Savings rate to 1.85% APY. Barclays increases Savings rate to 1.65% APY.
05/21/2018: Marcus by Goldman Sachs raises Savings rate to 1.70% APY. Radius Bank increases High Yield Online Savings rate to 1.86% APY.
05/20/2018: MutualOne Bank raises Online Savings rate to 1.81% APY. SFGI increases Savings rate from 1.51% APY to 1.61% APY.
05/15/2018: Amboy Direct raises Savings and Money market rate to 1.26% APY. Incredible Bank increases Savings rate for balances of $25k+ to 1.82% APY.
05/11/2018: Ally Bank raises Online Savings rate from 1.45% APY to 1.60% APY.
05/10/2018: Synchrony Bank raises their Savings rate from 1.55% APY to 1.65% APY. Alliant CU increases High Yield Savings rate from 1.45% APY to 1.50% APY. American Express increases Savings rate from 1.45% APY to 1.55% APY.
05/02/2018: Online Savings rate of 1.60% APY from Amalgamated Bank added.
05/01/2018: Goldwater Bank Savings rate added.
04/27/2018: Sallie Mae raises High Yield Savings rate to 1.55% APY.
04/25/2018: Radius Bank raises High Yield Online Savings rate to 1.50% APY. Marcus by Goldman Sachs raises Savings rate to 1.60% APY.
04/22/2018: PurePoint raises Savings rate to 1.75% APY. SmartyPig raises Savings rate to 1.40% APY.
04/11/2018: EverBank raises Money Market rate to 1.50% APY.
04/05/2018: Popular Direct raises Savings rate to 2.00% APY. Utah First Federal CU Savings rate of 1.25% APY added.
03/30/2018: Live Oak Bank raises Savings rate to 1.70% APY. Sallie Mae increases Hield Yield Savings rate to 1.45% APY.
03/25/2018: Incredible Bank raises Savings rate to 1.76% APY for balances of $25,000 and above
03/19/2018: Salem Five Direct raises eSavings rate to 1.85% APY
03/15/2018: FNBO Direct raises Online Savings rate to 1.60% APY
03/13/2018: Discover Bank raises Savings rate to 1.50% APY
03/09/2018: DollarSavingsDirect makes a big increase to 1.80% APY with their Savings account
03/07/2018: Popular Direct increases Savings rate to 1.65% APY
02/22/2018: Synchrony Bank increases Savings rate to 1.55% APY
02/21/2018: Sallie Mae gets rate increases for Savings and Money Market accounts
02/21/2018: Quorum Federal CU increases Savings rate to 1.25% APY
02/14/2018: MutualOne Bank’s Online Savings account with a 1.61% APY rate is added to the list
02/13/2018: Alliant CU raises Savings rate from 1.30% APY to 1.45% APY
02/13/2018: Ally Bank raises Savings rate to 1.45% APY
02/08/2018: Synchrony raises Savings rate to 1.50% APY
02/08/2018: PurePoint Financial raises Savings rate to 1.60% APY
02/06/2018: SFGI Direct raises Savings rate to 1.51% APY
02/06/2018: American Express raises Savings rate to 1.45% APY
01/31/2018: Alliant raises Savings rate to 1.30% APY
01/30/2018: Bank of Internet raises Savings rate to 1.30% APY
01/25/2018: Popular Direct raises Savings rates to 1.50% APY
01/24/2018: Barclays raises Savings rate to 1.50% APY
01/19/2018: Ally Bank raises Savings rate to 1.35% APY
01/19/2018: FNBO Direct increases Savings rate to 1.40% APY
01/19/2018: Discover Bank increases Savings rate to 1.40% APY
01/19/2018: Live Oak Bank increases Savings rate to 1.60% APY
01/18/2018: Barclays Savings rate increases to 1.40% APY
01/18/2018: Synchrony Savings rate increases to 1.45% APY
01/17/2018: Goldman Sachs Bank is now Marcus by Goldman Sachs. Online Savings rate has been updated.
01/04/2018: CIT Bank raises Premier High Yield Savings rate to 1.55% APY, which now applies to all balances

More History

Hide History

Bank Review	APY	Min. For APY
Alliant Credit Union Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $25 Min to Open: $5 Online Banking Available: Yes Online Statements Available: Yes Paper Statements Available: Yes Permitted Monthly Withdrawals: 6 Third Party ATM Fee: $0 Trust Accounts Allowed: Yes Details Hide	0.017	100	Learn More
Ally Bank Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $20 Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Trust Accounts Allowed: Yes Details Hide	0.0175	1	Learn More
Amalgamated Bank Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $33 Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.016	$1	Learn More
Amboy Direct Min Age: 18 Min to Open: $100 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0126	$3000	Learn More
American Express Allows Beneficiaries: Yes Min to Open: $0 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Paper Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0175	1	Learn More
Bank5 Connect Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Inbound: $0 Min to Open: $10 Online Banking Available: Yes Online Statements Available: Yes Paper Statements Available: No Permitted Monthly Withdrawals: 6 Details Hide	0.020499999999999997	100	Learn More
Bank of Internet USA Online-only bank/no branch locations Offers Checking, Savings, Money Market, and CD accounts No Monthly Service Fee No minimum account balance requirements Free ATM card on request FDIC insured Details Hide	0.013	$1	Learn More
BankPurely Domestic Wire Transfer Fee - Inbound: $15 Min to Open: $1 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Third Party ATM Fee: $1.50 Details Hide	0.0130	$1	Learn More
Barclays Allows Beneficiaries: Yes Min Customer Age: 18 Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Online Statements Available: Yes Paper Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0175	1	Learn More
Capital One 360 (Bonuses Avail) Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Bonus offers often available Details Hide	0.01	1	Learn More
CIT Bank (Bonuses Avail) Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $10 ($10 for accounts with avg balance under $25,000; otherwise, free) Min to Open: $100 Monthly Service Charge: $0 Online Banking Available: Yes Details Hide	0.0155	1	Learn More
Colorado Federal Savings Min to Open: $1 Online Banking Available: Yes Online Banking Required: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0125	1	Learn More
Colorado Federal Savings Min to Open: $50,000 Online Banking Available: Yes Online Banking Required: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.019	$50000	Learn More
Community Bank Of Pleasant Hill Domestic Wire Transfer Fee - Inbound: $10 Domestic Wire Transfer Fee - Outbound: $25 Min Balance to Avoid Service Charge - $10,000 Min to Open: $25 Monthly Service Charge: $10 Monthly Service Charge is Avoidable: Yes Online Statements Available: Yes Paper Statements Available: Yes $4 paper statement fee, waived with $10,000 balance Details Hide	0.0166	$1	Learn More
Discover (Bonuses Avail) Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $30 Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0175	1	Learn More
DollarSavingsDirect Allows Beneficiaries: Yes Min Customer Age: 18 Min to Open: $1,000 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.018000000000000002	1	Learn More
E*TRADE Bank Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $25 Min Balance to Avoid Service Charge - Average: $1,000 Min to Open: $100 Monthly Service Charge: $10 Monthly Service Charge is Avoidable: Yes Online Banking Available: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.015	1	Learn More
FNBO Direct Domestic Wire Transfer Fee - Outbound: $15 Min to Open: $1 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Permitted Monthly Withdrawals: 6 Third Party ATM Fee: $0 Details Hide	0.0175	1	Learn More
Goldwater Bank Min to Open: $5,000 Min Balance for APY: $0.01 Online Banking Available: Yes Paper Statements Available: Yes Permitted Monthly Withdrawals: 2 Details Hide	0.0165	$1	Learn More
Hanscom FCU(Kasasa Saver) Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $20 Min to Open: $1 Monthly Service Charge: $0 Online Banking Available: Yes Permitted Monthly Withdrawals: 6 Relationship Required: Yes Details Hide	0.015	$1	Learn More
Hanscom FCU(Higher Yield Sav.) Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $20 Min to Open: $25,000 Online Banking Available: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Free one withdrawal per month Details Hide	0.0125	25000	Learn More
HSBC Direct Earn 1.80% APY on all balance tiers No monthly maintenance fee Minimum balance to earn APY is $1 Apply online today Move money quickly and access your funds using online transfers Depositing checks is as simple as taking a picture with your mobile device using HSBC Mobile Banking Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. Details Hide	0.018000000000000002	1	Learn More
iGObanking.com Domestic Wire Transfer Fee - Inbound: $15 Min to Open: $1 Monthly Service Charge: $0 Online Banking Available: Yes Permitted Monthly Withdrawals: 6 Third Party ATM Fee: $1.50 Details Hide	0.01	1	Learn More
Incredible Bank Domestic Wire Transfer Fee - Outbound: $30 Min to Open: $2,500 Monthly Service Charge: $0 Online Banking Available: Yes Online Statements Available: Yes Paper Statements Available: Yes; $5 paper statement fee Permitted Monthly Withdrawals: 6 Details Hide	0.0121	$1	Learn More
Incredible Bank Domestic Wire Transfer Fee - Outbound: $30 Min to Open: $2,500 Monthly Service Charge: $0 Online Banking Available: Yes Online Statements Available: Yes Paper Statements Available: Yes; $5 paper statement fee Permitted Monthly Withdrawals: 6 Details Hide	0.018799999999999997	$25000	Learn More
Live Oak Bank Allows Beneficiaries: Yes Domestic Wire Transfer Fee – Inbound: $0 Domestic Wire Transfer Fee – Outbound: $10 Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Permitted Monthly Withdrawals: 6 FDIC Insurance Up to Maximum Allowed by Law Interest Compounded Daily Details Hide	0.018000000000000002	1	Learn More
Marcus By Goldman Sachs Allows Beneficiaries: Yes Domestic Wire Transfer Fee – Inbound: $0 Domestic Wire Transfer Fee – Outbound: $0 Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Permitted Monthly Withdrawals: 6 FDIC Insurance Up to Maximum Allowed by Law Details Hide	0.018000000000000002	$1	Learn More
McGraw Hill FCU Domestic Wire Transfer Fee – Outbound: $25 Min to Open: $100 Monthly Service Charge: $0 Online Banking Available: Yes Permitted Monthly Withdrawals: 6 NCUA Insurance Up to Maximum Allowed by Law Details Hide	0.0145	100	Learn More
MutualOne Bank Domestic Wire Transfer Fee – Inbound: $0 Domestic Wire Transfer Fee – Outbound: $20 Min to Open: $10 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Paper Statements Available: No Permitted Monthly Withdrawals: 6 Details Hide	0.0181	$1	Learn More
MySavingsDirect Allows Beneficiaries: Yes Domestic Wire Transfer Fee - Outbound: $30 Min to Open: $1 Monthly Service Charge: $0 Online Banking Available: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Trust Accounts Allowed: Yes Details Hide	0.01	1	Learn More
Newtown Savings Domestic Wire Transfer Fee - Inbound: $15 Domestic Wire Transfer Fee - Outbound: $30 Min Balance to Avoid Service Charge - Min: $5,000 Min to Open: $5,000 Monthly Service Charge: $25 Monthly Service Charge is Avoidable: Yes Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Paper Statements Available: No Details Hide	0.013500000000000002	100000	Learn More
Northpointe Bank Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $20 Online Banking Available: Yes Minimum to Open: $0 Permitted Monthly Withdrawals: 6 Details Hide	0.0195	$25000	Learn More
Popular Direct Min Balance to Avoid Service Charge: $500 Min to Open: $5,000 Monthly Service Charge: $4 Monthly Service Charge is Avoidable: Yes Online Banking Available: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.018500000000000003	5000	Learn More
PurePoint Financial Domestic Wire Transfer Fee - Outbound: $25 Min to Open: $10,000 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Permitted Monthly Withdrawals: 6 Trust Accounts Allowed: Yes Details Hide	0.019	10000	Learn More
Quorum Federal CU Domestic Wire Transfer Fee - Outbound: $20 Min to Open: $1 No Minimum Balance to Maintain Monthly Service Charge: $0 with eStatements Online Banking Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0175	$1	Learn More
Radius Bank Domestic Wire Transfer Fee - Inbound: $10 Domestic Wire Transfer Fee - Outbound: $20 Min to Open: $100 Monthly Service Charge: $0 Online Banking Available: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.015	2500	Learn More
Radius Bank Domestic Wire Transfer Fee - Inbound: $10 Domestic Wire Transfer Fee - Outbound: $20 Min to Open: $100 Monthly Service Charge: $0 Online Banking Available: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0186	25000	Learn More
SalemFiveDirect (Bonuses Avail) Min to Open: $100 Monthly Service Charge: $0 New Money Only: Yes Online Banking Available: Yes Online Banking Required: Yes Details Hide	0.020499999999999997	1	Learn More
Sallie Mae Bank Affiliated with Sallie Mae - widely known for student loan business Online-only bank/no branch locations Offers Savings, Money Market, and CD accounts Doesn't offer a Checking account FDIC insured No minimum balance requirement No Monthly Service Fee Details Hide	0.0175	1	Learn More
SFGI Direct Allows Beneficiaries: Yes Min to Open: $500 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Paper Checks Available: No Paper Statements Available: No Details Hide	0.0181	1	Learn More
SmartyPig (Bonus Avail) Online-only account You must have an existing Checking or Savings account to transfer to and from Minimum Age: 18 Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0155	$1	Learn More
Synchrony Bank ATM Fees Refunded - Amount: $5 ATM Fees Refunded - Number: Unlimited ATM Fees Refunded - Transaction Amount: Unlimited Domestic Wire Transfer Fee - Outbound: $25 Min to Open: $0 Monthly Service Charge: $0 Online Banking Available: Yes Online Banking Required: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0175	1	Learn More
UFB Direct Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $35 Min to Open: $100 Monthly Service Charge: $0 Online Banking Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.01	20000	Learn More
UFB Direct Domestic Wire Transfer Fee - Inbound: $0 Domestic Wire Transfer Fee - Outbound: $35 Min to Open: $100 Monthly Service Charge: $0 New Money Only: Yes Online Banking Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.0130	25000	Learn More
Utah First Federal Credit Union Monthly deposits of at least $25 required Min to earn APY: $50 Details Hide	0.013000000000000001	$50	Learn More


MoneysMyLife Top Offer Picks With 16,000 ATMs and 5,100 branches throughout the United States, Chase Bank is second only to Wells Fargo with regards to the total number of branches. This makes the bonus offers from Chase extremely popular, and they always have several promotions to choose from. Full Review. Chase Total Checking® ($200 bonus) Chase Savings℠ ($150 bonus) Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses) Chase Premier Plus Checking℠ ($300 bonus) Chase Total Business Checking® ($200 bonus) Chase College Checking℠ ($50 bonus) Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance checking account with qualifying activities. Member FDIC. Apply online for a new TD Bank Checking account to earn either a $300 bonus for the TD Premier Checking account ( $2,500 in direct deposits required), or a $150 bonus for the TD Convenience Checking account ($500 in direct deposits required). This is a limited time offer. Full Review Learn More Barclays has two great card offers that should interest many who are looking for a solid travel rewards credit card. The Barclaycard Arrival^® Plus World Elite Mastercard^® has a 60,000 miles sign-up bonus worth $630 in travel. You'll be able to earn unlimited 2X miles on every purchase and there are no foreign transaction fees to worry about. See Terms. Full Review The Barclays Arrival^® Premier World Elite Mastercard^®will earn you 75,000 miles each year (worth $750) if you spend $25,000 on purchases during the year. This credit card is intended for high spenders looking for a card to carry for the long-term. The card will earn unlimited miles at the rate of 2 miles per $1 spent on all purchases. See Terms. Full Review CIT Bank is offering a 1.85% APY rate with their Money Market Account for all balances. This account is available online nationwide and consistently offers one of the best rates in the nation. The minimum opening deposit is $100 and there are no fees for opening or maintaining the account. Full Review Learn More Ally Invest is one of the nation's top choices for a low-cost stock broker, and they now have a promotion where you can earn a cash bonus of $50 to $3500, as well as $500 in commission-free trades. Your cash bonus value will depend on your deposit amount made within 60 days of account opening. Full Review Learn More Simple Bank has an offer where you can earn a $20 bonus after opening their free online Checking account that's available nationwide. You'll then be able to earn unlimited $20 referral bonuses. Direct deposit isn't a requirement and all you and your referrals need to do is open a new account and use the Simple Visa debit card to make a first purchase. Full Review Learn More More Top Picks Hide

MoneysMyLife Top Offer Picks

- Chase Total Checking® ($200 bonus)
- Chase Savings℠ ($150 bonus)
- Chase Total Checking® + Chase Savings℠ ($350 in combined bonuses)
- Chase Premier Plus Checking℠ ($300 bonus)
- Chase Total Business Checking® ($200 bonus)
- Chase College Checking℠ ($50 bonus)

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Best Money Market Accounts By Category

Simply use our list below to find the best rates, but we’ll go over a few Money Market accounts that stand out in certain areas.

Best Rated Overall: CIT Bank (Available Nationwide)

Earn a great Money Market rate (1.85% APY) from a trusted bank with CIT. The minimum opening deposit is just $100 and you’ll be able to make deposits/transfers/withdrawals with this account (up to 6 of such transactions each month per federal regulation). CIT Bank’s Money Market account also works with People Pay, a free service that allows you to send money from your Money Market account to almost anywhere with an email address or mobile phone number.

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Best For High Balances: BBVA Compass (Available Nationwide)

Some Money Market accounts have maximum account limits for earning the highest APY rate. The one from BBVA Compass is a good fit if you’re planning to maintain a very high balance. You can earn their highest interest rate (1.70% APY) on ALL balance amounts now (previously only applied to balances from $10,000 to $5 million), with their BBVA Compass ClearChoice MMA. Be sure that you can maintain a minimum $10,000 balance to waive the Monthly Fee. You can also set up a recurring $25 monthly transfer from a BBVA Compass Checking account to waive the fee also.

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Lowest Minimum Deposit Required: Ally Bank & Sallie Mae (Available Nationwide)

Most Money Market Accounts with the best interest rates require a minimum opening deposit. Accounts from Ally Bank and Sallie Mae allow you to open an account with as little as $1.

Best Money Market Account Rates

*Accounts below are all available nationwide

Update History:
07/18/2018: Discover Bank raises rates on Money Market account to 1.60%/1.65% APY. Capital One 360 raises Money Market rate from 1.60% APY to 1.75% APY.
07/16/2018: TIAA Bank raises Money Market rate from 1.50% APY to 1.60% APY.
07/05/2018: Northern Bank Direct decreases Money Market rate to 1.51% APY.
06/28/2018: Sallie Mae raises Money Market rate to 1.75% APY.
06/25/2018: First Internet Bank raises Money Market rate to 1.36%/1.66% APY.
06/19/2018: Northern Bank Direct raises Money Market rate to 2.26% APY. Discover Bank raises rates on Money Mark account to 1.50%/1.55% APY.
06/13/2018: Discover Bank raises rates on Money Market account to 1.45%/1.50% APY.
06/01/2018: BBVA Compass raises online Money Market rate to 1.70% APY.
05/24/2018: CIT Bank raises Money Market rate to 1.85% APY.
05/21/2018: Virtual Bank increases eMoney Market introductory rate to 2.01% APY.
05/20/2018: Community Bank raises Premier Money Management rate to 1.65% APY. Discover Bank raises rates on their Money Market account to 1.40%/1.45% APY.
05/15/2018: EBSB increases Money Market special rate to 1.80% APY.
05/04/2018: Top Money Market rate from Investors Bank added to the list.
05/03/2018: BBVA Compass raises their online Money Market rate to 1.50% APY for all balances.
05/01/2018: Goldwater Bank Money Market rate added.
04/29/2018: Pacific National Bank raises online Money Market rate to 1.45% APY.
4/27/2018: Sallie Mae raises Money Market rate to 1.65% APY. Capital One 360 raises Money Market rate to 1.60% APY.
04/25/2018: First Internet Bank raises rates for Money Market account.
04/22/2018: EBSB raises Money Market rate to 1.57% APY for balances of $10,000 to $2,000,000.
03/31/2018: Community Bank increases Money Market rate to 1.50% APY. Virtual Bank offers a special eMoney Market rate guaranteed for 1 year at 1.77% APY.
03/30/2018: iGOBanking raises Money Market rate to 1.70% APY. Sallie Mae increases Money Market rate to 1.55% APY. BankPurely adds a Money Market account with a 1.70% APY rate to its lineup.
03/14/2018: CIT Bank introduces their online Money Market account with a 1.75% APY rate
03/13/2018: Discover raises Money Market rates to 1.35%/1.40% APY
02/26/2018: First Internet Bank increases Money Market rates to 1.16% APY/1.41% APY
02/26/2018: California First National Bank decreases Money Market rate to 1.16% APY
02/23/2018: BBVA Compass raises Money Market rate to 1.40% APY
02/18/2018: Capital One 360 raises Money Market rate to 1.50% APY
02/06/2018: Nationally available Money Market account from Connexus Credit Union added to the list
02/02/2018: EverBank raises Money Market rate to 1.41% APY
02/01/2018: iGOBanking raises Money Market rate to 1.50% APY
01/30/2018: UFB Direct raises Money Market rate to 1.60% APY
01/22/2018: California First National Bank gets slight rate increase to 1.25% APY
01/18/2018: Synchrony Money Market rate increases from 0.85% APY to 1.05% APY
01/18/2018: Sallie Mae Money Market rate increases to 1.45% APY
01/18/2018: My eBanc raises Money Market rate to 1.50% APY
01/16/2018: Northern Bank Direct raises Money Market rate to 1.51% APY
01/15/2018: ableBanking raises Money Market rate to 1.70% APY to lead the market
12/18/2017: Discover Money Market rates increase to 1.15%/1.20% APY
12/18/2017: Sallie Mae Money Market rate updates to 1.32% APY
11/22/2017: Mutual Bank of Omaha raises Money Market rate to 1.00% APY
11/14/2017: Dime raises Money Market rate to 1.20% APY
11/02/2017: First Internet Bank increases Money Market rate for both tiers

More History

Hide History

Bank Review	APY	Min. For APY
ableBanking Online-only bank/no branch locations Offers Savings, Money Market and CD accounts $250 minimum opening deposit FDIC insured No Monthly Service Fee Details Hide	0.017	250	Learn More
Ally Bank Online-only bank/no branch locations Offers variety of deposit accounts (Checking, Savings, Money Market, CD, IRA, etc.) Allows unlimited no-fee ATM withdrawals Deposit checks with your smartphone No Monthly Service Fee FDIC insured No minimum opening requirements Interest is compounded daily (more earnings) Details Hide	0.009000000000000001	1	Learn More
Ally Bank Online-only bank/no branch locations Offers variety of deposit accounts (Checking, Savings, Money Market, CD, IRA, etc.) Allows unlimited no-fee ATM withdrawals Deposit checks with your smartphone No Monthly Service Fee FDIC insured No minimum opening requirements Interest is compounded daily (more earnings) Details Hide	0.01	25000	Learn More
Amboy Direct Min Age: 18 Min to Open: $100 Monthly Service Charge: $0 Online Banking Available: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Relationship Required: Yes Details Hide	0.0126	$40000	Learn More
Bank of Internet USA Online-only bank/no branch locations Offers Checking, Savings, Money Market, and CD accounts No Monthly Service Fee No minimum account balance requirements Free ATM card on request FDIC insured See bonus offers Details Hide	0.0105	1	Learn More
BankPurely Domestic Wire Transfer Fee - Inbound: $15 Min to Open: $25,000 Online Banking Available: Yes Online Banking Required: Yes Online Statements Available: Yes Permitted Monthly Withdrawals: 6 Details Hide	0.017	$25000	Learn More
BBVA Compass Traditional bank offering online products with good rates Money Market account available nationwide Now all balances earn the best rate Minimum opening deposit is $25 FDIC insured $15 Monthly Service Fee: waived when the minimum daily collected balance of the quarter is $10,000 or more. No Service Charge if you have an automatic, recurring monthly transfer of $25 or more from a BBVA Compass checking account to your BBVA Compass ClearChoice Money Market account. See bonus offers from BBVA Compass Details Hide	0.017	1	Learn More
California First National Online-only bank/no branch locations Offers Savings, Money Market, Checking, IRA and CD accounts $5,000 minimum opening deposit FDIC insured Interest does NOT compound Interest paid monthly You may request an ATM card when opening an account No Monthly Service Fee if $5,000 minimum maintained, otherwise $20 Details Hide	0.01	1

Live Oak Bank Savings Rate: 1.80%

Live Oak Bank CD Account Promotions

Rates

Colorado Federal Savings Bank Savings Account

Colorado Federal Savings Bank CD Accounts

CD Rates

Chase Total Checking® Account

BBVA Compass ClearConnect Free Checking

BBVA Compass ClearChoice Free Checking

Simple Checking Account

Schwab High-Yield Investor Checking

TIAA Yield Pledge Checking

Bank5 Connect High-Interest Checking

Ally Interest Checking

Capital One 360 Checking

Chime Free Mobile Banking

About The American Express Savings Account

Online Savings Account Features

Opening An Amex Online Savings Account

Author’s Verdict

American Express Bank CD Account Offers

Capital One 360 $25 Checking/Savings & $100 Money Market Bonus

How To Earn The Bonuses

Capital One 360 $1,000 In Referral Bonus Money

Capital One 360 $500 Money Market Bonus

How To Earn Up To $500

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Capital One 360 Accounts Review

CIT Bank Online Money Market Rate Offer: 1.85% APY

CIT Bank Online Premier High Yield Savings 1.55% APY Offer

How To Get The 1.55% APY

CIT CD Account Promotions

Term CDs

No-Penalty CDs

RampUp CDs

RampUp Plus CDs

Jumbo CDs

$300 Chase Premier Plus CheckingSM Account Bonus

How To Get Your $300 Bonus

Waive The $25 Monthly Service Fee

Author’s Verdict

Get Up To $350: Chase Total Checking® and Chase SavingsSM Bonus

The $200 Chase Total Checking® Account Bonus

The $150 Chase SavingsSM Account Bonus

Waive The Monthly Service Fee

Author’s Verdict

Chase Business Checking $200 Bonus

How To Earn The $200 Bonus

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Chase College CheckingSM $50 Bonus

How To Earn The $50 Bonus

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Chase Business Total SavingsSM $200 Bonus

How To Earn The $200 Bonus

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Tips For Chase Coupon Promotions

Chase $500 In Checking/Savings Referral Bonuses

How To Make $50 Per Referral, Up To $500 A Year

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More Info On Coupons Up To $500

MISC. Places You’ll Find Coupons:

Savings Vs. Money Market Accounts

Where To Get The Best Interest Rates?

Best Savings Accounts By Category

Best Rate & Features: CIT Bank Savings (Available Nationwide)

Best Bonus: Chase SavingsSM

Best Savings From A Major Bank: HSBC Direct Savings (Available Nationwide)

Best High Yield Savings With ATM Access

All The Best High Yield Savings Account Rates

Best Money Market Accounts By Category

Best Rated Overall: CIT Bank (Available Nationwide)

Best For High Balances: BBVA Compass (Available Nationwide)

Lowest Minimum Deposit Required: Ally Bank & Sallie Mae (Available Nationwide)

Best Money Market Account Rates

Chase Total Checking^® Account

$300 Chase Premier Plus Checking^SM Account Bonus

Get Up To $350: Chase Total Checking® and Chase Savings^SMBonus

The $200 Chase Total Checking^® Account Bonus

The $150 Chase Savings^SM Account Bonus

Chase College Checking^SM $50 Bonus

Chase Business Total Savings^SM$200 Bonus

Best Bonus: Chase Savings^SM