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Best Online Banks for Savings and Everyday Banking
BRAND PASS / Banking / U.S. providers
Best Online Banks for Savings and Everyday Banking
Find a better home for the money you save and spend. Compare online banking options from Axos, CIT, SoFi and Quontic, plus Chime as an additional fintech service.
For eligible U.S. applicants. Current rates, fees and provider terms apply.
Advertising disclosure: BRAND PASS may earn commissions through affiliate links. This page currently links to official provider websites. It compares the listed providers, not the entire market, and does not rank them. “Best” depends on your circumstances. Information is educational, not personalized financial advice.
Bank comparisons
Four providers. Different ways to bank.
Compare the account choices within each provider. A savings account and an everyday checking account serve different purposes, even when offered together.
Compare for checking + savings choice
BANK COMPARISON
Axos Bank
Compare separate checking and savings products or explore a checking-and-savings bundle.
- Savings options
- Summit Savings and Axos ONE Savings.
- Everyday banking
- Axos Checking or the checking component of Axos ONE.
- What to check
- Bundle requirements, qualifying deposits, balance tiers and ATM terms.
Official provider website. Check current fees, rates and eligibility.
Compare for dedicated savings options
BANK COMPARISON
CIT Bank
A division of First Citizens Bank, offering separate savings products and electronic checking.
- Savings options
- Platinum Savings and Savings Connect.
- Everyday banking
- eChecking for debit and electronic banking.
- What to check
- Savings balance thresholds, opening deposits, fees and payment methods. eChecking does not offer personal check-writing.
Official provider website. Check current fees, rates and eligibility.
Compare for checking and savings together
BANK COMPARISON
SoFi Bank
SoFi Checking and Savings opens both accounts together, with separate checking and savings yields.
- Savings options
- Savings within the Checking and Savings offering.
- Everyday banking
- Checking and debit banking within the same offering.
- What to check
- Higher savings-rate eligibility, transaction fees, ATM access and conditions for optional benefits.
Official provider website. Check current fees, rates and eligibility.
Compare for separate saving and spending
BANK COMPARISON
Quontic Bank
Compare Quontic’s online savings and checking products to build a setup around your money habits.
- Savings options
- High Yield Savings; other savings products are available.
- Everyday banking
- High Interest Checking and Cash Rewards Checking.
- What to check
- Qualifying debit-card activity, opening deposits, current yields and the terms for checking rewards.
Official provider website. Check current fees, rates and eligibility.
Side by side
Compare your saving and spending options.
This bank table covers Axos, CIT, SoFi and Quontic. Chime is presented separately below. Scroll horizontally on smaller screens.
| Provider | Everyday banking | Savings | What to compare | Next step |
|---|---|---|---|---|
| Axos Bank | Standalone or bundled checking | Standalone or bundled savings | Deposit rules and account-specific ATM terms | Explore accounts ↗ |
| CIT Bank | eChecking | Platinum Savings; Savings Connect | Savings tiers and eChecking payment limitations | Explore accounts ↗ |
| SoFi Bank | Checking within a combined offering | Savings opened with checking | Rate eligibility and transaction fees | Explore accounts ↗ |
| Quontic Bank | High Interest or Cash Rewards Checking | High Yield Savings | Activity conditions for checking interest or rewards | Explore accounts ↗ |
Additional banking service
Chime: a fintech using partner banks.
Compare Chime if you want an app-based way to access banking services. Its structure differs from the bank providers above.
Fintech service / not a bank
Chime
Chime offers access to checking and savings services through partner banks. Review the current account options, eligibility and features before choosing.
- Banking services
- Provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
- What to check
- ATM and cash-deposit charges, savings-rate eligibility and conditions for optional services.
- Deposit insurance
- Chime itself is not FDIC insured. Insurance applies through the insured partner bank, subject to applicable limits and pass-through conditions, and covers failure of that bank.
Opens Chime’s official website. Optional services may have fees or charges.
Choose your setup
Start with what you need your accounts to do.
Build your savings
Compare APY, minimum deposits, balance tiers, withdrawal access and promotional requirements at your expected balance.
Manage everyday money
Compare debit payments, cash access, bill payments, direct deposit and support. Check the fees for services you use often.
Bring both together
Decide whether you prefer a bundle or separate accounts. Check transfer timing and the conditions attached to each account.
Before you choose
Online banking questions, answered.
Which online bank is best for savings and everyday banking?
The best fit depends on your balance, payment needs, deposit routine, fees and access preferences. Compare the actual accounts rather than choosing on a provider name alone. This page covers the supplied shortlist and does not rank the entire market.
Should I keep checking and savings with the same bank?
One provider may make account management simpler. Separate providers may offer account features that better suit each purpose. Compare transfer times, fees, access and rate requirements before choosing.
Is CIT Bank a separate bank from First Citizens?
CIT Bank is a division of First Citizens Bank. Its deposits are not separately insured from other deposits at the same underlying bank in the same ownership category. Review the provider’s deposit insurance disclosures.
Is Chime an online bank?
No. Chime is a financial technology company. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Chime itself is not FDIC insured; applicable pass-through insurance conditions must be satisfied.
Does an account with no monthly maintenance fee have no charges at all?
No. Depending on the product, other charges may apply to transactions, ATMs, cash deposits, wires or optional services. Read the account-specific fee schedule.
Are online savings rates fixed?
Savings yields generally vary and can change. Promotional rates may last for a limited period or require deposits, balances or other activity. Check the standard rate and promotion terms separately.
Can I deposit cash or write checks?
That depends on the chosen account. Check cash-deposit methods, costs, check-writing and bill-payment options. CIT eChecking does not offer personal check-writing.
Can I apply from outside the United States?
These are U.S. offerings. Each provider sets residency, identification, age and other eligibility requirements. Confirm eligibility directly before applying.
Make your banking fit your life.
Compare providers, check current account terms and apply directly with your chosen provider.
Provider references
Product information checked on October 8, 2026. This is a dated snapshot. Rates, fees, products and eligibility can change.
- Axos Bank personal banking
- CIT Bank products and deposit disclosures
- SoFi Checking and Savings
- Quontic account options
- Chime services and partner-bank disclosures
BRAND PASS does not hold deposits or open accounts on your behalf. Account approval and servicing are handled by providers or banking partners. Compare the specific account agreement and deposit insurance disclosures, including other deposits held at the same insured bank.