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• Rates
• Fees
• Accessibility
• Products & Services
• Customer Service

Best Bank Accounts 2021

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  • Savings Accounts

  • When it comes to a savings account, your hard work should pay off. Find the best low-fee bank accounts on our list of Best Savings Accounts 2021 and earn at higher rates so your money grows fast!
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  • CD Accounts and Rates

  • Invest in one of the Best CD Accounts 2021 to earn interest at a locked-in rate. Insured by the FDIC, a CD account is considered a low-risk choice to help you build savings over time.
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  • Checking Accounts

  • For convenience and flexible money management, you can’t beat a checking account. Our Best Checking Accounts 2021 list includes many top banks with no-fee and online banking options.
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  • Money Market Accounts

  • Securing funds in one of the Best Money Market Accounts 2021 is a smart way to save for unexpected and planned expenses. Every FDIC-insured account on our list has been investigated by experts, offering you a low-risk way to build your savings.
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Best Banks 2021

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  • National Banks

  • Offering the broadest range of financial services around, the Best National Banks 2021 have accounts that fit all types of people. Often, the best national banks feature lower fees and access to ATMs and physical branches across the country. If you’re a high-income client, you’ll enjoy even more choices.
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  • Online Banks

  • Mobility, convenience and 24/7 customer support are just a few of the reasons people decide to bank online exclusively. Be sure to check our Best Online Banks 2021 list for the top-ranked contenders, as not all online banks have the range of services offered by these financial leaders.
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  • Regional Banks

  • Staying local with one of the Best Regional Banks 2021 can provide you with unique benefits like low checking account fees. Our experts studied regional banks with a presence in at least five states but fewer than 20 to help you select one that’s right for you.
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  • Credit Unions

  • As nonprofit institutions, credit unions differ from banks in how they are owned and operated. Account-holders, called members, can receive special interest rates and fees from the Best Credit Unions 2021 because of their group’s management structure.
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  • Top 100 Banks by GOBankingRates

  • Earn from the best: our in-house experts identified these financial leaders as the Top 100 Banks of 2021. We’ve made it easy to find the right bank for your individual needs, with higher rates, lower fees and all the features you need to grow your money.
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Why You Can Trust Us

For the past nine years, GOBankingRates’ in-house research and editorial teams have analyzed hundreds of banks, credit cards and online brokers so our readers can find the best products for achieving their financial goals. Our rankings are 100% objective — no broker, bank or financial company pays for inclusion or specific placement in our rankings.

Our Methodology for Best Banks

To determine the Best Banks of 2021 (as well as the best bank accounts), GOBankingRates surveyed 127 banks and 50 Credit Unions that are insured by the FDIC and NCUA respectively, excluding non-active institutions, investment banks and any institutions that require customers to use investment services to access commercial bank accounts. Across all of the institutions and accounts analyzed, we looked at more than 4,300 data points to identify the following: (1) Best National Banks, (2) Best Regional Banks, (3) Best Online Banks, (4), Best Savings Accounts, (5) Best Checking Accounts, (6) Best CD Accounts, (7) Best Money Market Accounts, (8) Best Credit Unions, and (9) Top 100 Best Banks. Please note that some institutions and accounts did not rank among the best due to the lack of information and data points needed to be analyzed in the rankings.

GOBankingRates scored the banks and bank accounts from most to least favorable on the following factors, depending on the individual category: (1) minimum deposit requirements to open an account, avoid fees and/or earn the annual percentage yield (APY); (2)fees; such as monthly maintenance and overdraft; (3) APYs for savings, checking, CD and money market accounts; (4) availability and diversity of banking services, including credit cards and loans; (5) customer service, 24/7 and live chat availability, (6) mobile app features, such as mobile check deposit and ratings from both Apple and Android stores, (7) total asset size for each institution, and (8) total number of branch locations.

About the Data

Data for Best Banks was compiled from and verified against the individual institutions’ websites and/or conversations with a representative from the bank throughout October 2020. All rates and other information pertaining to each account listed in the rankings were last verified in November 2020. All costs, terms and conditions are subject to change at the discretion of the individual financial institutions. Some information might reflect short-term or promotional offers only, and it is possible additional terms and conditions must be met in order to obtain any benefits mentioned. Availability might vary by region, minimum deposit amounts and other factors. Please verify terms and conditions before opening an account.