![]() Checkingįor your checking needs, there is the Capital One 360 Checking Account. Capital One also provides CDs, auto loans and a wide variety of credit cards with no foreign transaction fees. You’ll find a simplified checking and savings portfolio, but the account offerings are competitive compared to most banks. Second, it’s a money market account, which doesn’t mean much except that you need a higher balance to achieve the APY you want (it is still FDIC insured).Capital One 360 banking offers the high interest rates of an online challenger bank plus the convenience of a broad ATM network and branches for in-person deposits and payments. First, it offers a more competitive APY than the savings account’s (assuming you are holding at least $10,000). The Capital One 360 Money Market Account is different from its savings account in two ways. Ally is a strong choice, especially if you want to couple it with an online only checking account. Ally Online SavingsĪlly, similar to Discover, is an online only bank touting its customer service and other financial product offerings. Marcus could be moving to the top spot if it continues to prove itself as a reliable platform over the next couple years. The only reason it was not selected was because it is relatively new and untested. Marcus Savings by Goldman Sachs almost won our top spot due in this section of best bank accounts due to its competitive APY and compelling online interface. Other Good Options: CIT Savings BuilderĬIT Savings Builder offers one of the highest APYs on the market, but you must either maintain a balance of $25,000 or deposit $100 monthly in order to receive the higher APY*.
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