Discover is a po✤pular national bank with all-around great reviews from 🌜its customers. It earned a score of 4.86 out of 5—second only to American Express—in Investopedia’s combined customer satisfaction rating, which aggregates customer ratings from a variety of sources.

Discover offers a nice variety of inexpensive basic banking services, from checking accounts to CDs and loans. You can earn cash back whether you use a debit card or a credit card. Discover’s Cashback checking earns 1% back on up to $3,000 spent per mo🦋nth, and some Discover credit cards 💜earn up to 5% back on certain purchases.

Discover’s rates on savings accounts, money market accounts (MMAs), and certificates of deposit (CDs) are much higher than the national average. But they’re not always among🤡 the very best deals you can find on high-yield savings accou🐈nts, MMAs, and CDs.

Axos provides up toᩚᩚᩚᩚᩚᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ𒀱ᩚᩚᩚ 4.66% APY with its best high-yield savings account, which is almost as good as you can find with any nationally available account. This rate is available with the Axos ONE savings and checking account bundle, no matter what balance you have, but you do have to meet one of the following requiremen♛ts each month:

• Receive $1,500 or more in total qualifying direct deposits and maintain an average daily balance of more than $1,500
• Receive $5,000 or more in total qualifying deposits (not direct deposits) and maintain an average daily balance of more than $5,000

If you don’t meet one of those requirements, you’ll earn a much lower APY. Axos has another savings account (Summit Savings) that offers a decent rate with no r🔥equiremen🦩ts. 

Axos also provides an interest-bearing checking account, Rew🤡ards Checking, but you’ll have to meet a variety of requirements (direct deposits, debit card purchases, average daily balances in two investing-relat⛄ed accounts, and a monthly loan payment) to earn the best rate.

If you like earning a good rate while keeping your money with one bank, consider going with EverBank. It offers competitive APYs for savings accounts, MMAs, and CDs; that means you can easily move money from your checking account to one of those savings vehicles, and back (just watch out for CD 澳洲幸运5官方开奖结果体彩网:early withdrawal penalties).

If you’re going to keep a lot of money in the bank, you should make sure the entire amount is covered by the 澳洲幸运5官方开奖结果体彩网:FDIC or NCUA. These federal agencies uꦗsually only cover up to $250,000 per depositor, per financial institution. That’s true for most of EverBank’s accounts, except for its CDARS CD—this account can protect up to $50 million by spreading those deposits out at banks within the network.

EverBank provides SBA loans, but no personal loans. It offers a surprisingly comprehensive set of credit cards for both personal and business customers, including some that could be good options for 澳洲幸运5官方开奖结果体彩网:balance transfers.

American Express is a household name in credit cards, especially when it comes to luxury travel perks. 澳洲幸运5官方开奖结果体彩网:Amex credit cards, led by its famous The Platinum Card, have a reputation for high-end benefits compared to most other cards; they include incentives like airport lounge access, shopping, travel, and entert🌌ainment credits, and exclusive access to tickets, events, reservations, and more—not to mention the valuablꦦe Amex Membership Rewards points you’ll earn along the way.

Amex earned the highest overall Investopedia customer satisfaction rating (4.88 out of 5) among banks included in our research, no doubt thanks in part to the customer service backing that lineup of credit cards. The bank took first place in J.D. Power’s 2024 U.S. Credit Card Satisfaction Study, as it often does.

American Express’ other banking products aren’t quite as enticing as its credit cꦿards, but it does offer several easily accessible accounts with no monthly fees, no balance requirements, and solid fea🦩tures.

If you need a bank account for a young child, particularly one who will be off to college in coming years, Capital One’s MONEY Teen Checking is worth a look. It’s a joint account with no monthly fees or minimum requirements; you can o🥃pen with someone as you♒ng as 8, giving you plenty of time to teach good money management habits before they gain independence. When your child turns 18 they can continue using the account as it is, with no need to convert to a new account with a monthly fee, like some banks require. 

Capital One has several other banking products, including a suite of credit cards encompassing all the popular card types: cash back, travel, student, business, and credit-building. You’ll also find auto loans but no 澳洲幸运5官方开奖结果体彩网:personal loans or 澳洲幸运5官方开奖结果体彩网:home loans.