What Is the Best Online Banking Service?

February 28, 2024
February 28, 2024
What Is the Best Online Banking Service?

Are you here in search of what is the best online banking service? We've got you covered. Whether you're looking for a bank with no fees, offers excellent customer service, or is just easy to use, we have an option for you. Our top pick is Chime - they offer all of these things and more! Plus, they don't charge any monthly fees, and their app is super user-friendly.


Chime gives customers free access to more than 38,000 ATMs, but they charge $2.50 per transaction for out-of-network ATMs. In addition, chime customers must visit a Green Dot location to deposit cash and may be charged a fee as well. Chime also allows you quick pay up two days early by direct deposit (see below). The app has high ratings on Apple’s App Store and Google Play store, with an average rating of 4 stars.

Chime is a new company that will soon provide personal banking services to the masses. Chime works with FDIC-insured banks behind the scenes so that customer funds can be insured. With its low fees, quick balance refreshes, and friendly user interface, it's easy for anyone to see why this bank has become such a hot commodity in recent months.


Varo will give you a competitive interest rate as long as you maintain your account balance and make frequent debit card purchases. If this sounds like the type of banking relationship that works for you, contact Varo today to learn more!

The Varo card is an excellent option for those who want to deposit cash without a fee. However, the only way one can do so would be by going in person to the designated retailer and using their ATM. For withdrawals, you'll need to either go through Allpoint or pay $2.50 at non-Allpoint ATMs per transaction.

Alliant Credit Union

Alliant offers several high-interest savings and checking accounts that will help you make the most out of your money. Alliant also has an extraordinary opportunity for those who want to join but don’t meet their eligibility requirements by partnering with Foster Care to Success, covering the $5 membership fee on behalf of its members!

Ally Bank

Ally Bank’s savings account offers a 0.50% APY, its checking account earns 0.10% for balances under $15,000, and it earns 0.25% on the next tier of up to 15k balance amount with competitive rates from there earning between 1-3%. 

Ally doesn't allow customers to deposit cash but offers external transfers or mobile deposits and wire transfer options that are all available 24/7. Customer service is also available via phone support or the option to have a live chat on their website if needed!

Discover Bank

Discover's savings account earns a 0.40% APY, and their certificates of deposit have competitive rates. Discover’s customers also have access to more than 60,000 fee-free ATMs! Not to mention the 1% cashback per month on up to $3,000 in debit card purchases that you get with its "cashback" credit card account. 

Their mobile banking apps are highly rated by customers as well--with one customer saying they're so easy she can do everything from her phone while standing in line at Target.

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