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Roost compares best banking accounts – checking and savings
Get a banking partner that works for you.
Best banking: Consumer Credit Union checking and savings account
Product details
- All above plus
- Unlimited reimbursements for any and all ATM fees
- Earn up to 4.09% APY*on balances up to $10,000
- Remote check deposits from mobile app
- Just $5 to open
Terms and conditions
We offer over 30,000 surcharge-free ATMs nationwide and we refund fees charged by other bank ATMs when you meet your minimum Rewards Checking requirements. The top rate of our Rewards Checking account is 80X the national average based on FDIC’s published National Rate for balances <$100,000 for savings accounts. **Minimum $5.00 opening deposit required.
Best banking: Axos checking and savings account
Product details
- All above plus
- Checking up to 3.30% APY with $1,500 within a single calendar month during the first 3 calendar months the account is open
- $250 deposit required for high yield savings
- No monthly fees for savings
- No overdraft or NSF fund fees
- Unlimited Domestic ATM withdrawals
- Remote check deposits from mobile app
Terms and conditions:
The Rewards Checking Account allows you to control your interest rate reward based on the products/services used during the month. This is a tiered, interest earning variable rate account. All daily collected balances up to and including $150,000 will earn interest based on the combined rate rewards. All daily collected balances greater than $150,000 will not earn interest. Your annual percentage yield can be as high as 3.30% based on the following combined rate rewards: Earn 0.40% APY if you receive direct deposits totaling $1,500 or more. Earn 0.30% if you use your Axos Visa Debit Card for a total of 10 transactions per month (min $3 per transaction) or sign up for PFM. Earn 0.20% if you maintain an average daily balance of $2,500 per month in an SDT account. Earn 0.20% if you maintain an average daily balance of $2,500 per month in an MP account. Earn 0.15% if you use your Rewards Checking account to make your full monthly Axos bank consumer loan payment. Qualifying transactions must post and clear the account during the *APY = Annual Percentage Yield effective as of 3/10/2022. The Rewards Checking Account allows you to control your interest rate reward based on the products/services used during the month. This is a tiered, interest-earning variable rate account. All daily collected balances up to and including $50,000 will earn interest based on the combined rate rewards. All daily collected balances greater than $50,000 will not earn interest. Your annual percentage yield can be as high as 1.00% based on the following combined rate rewards: direct deposits (not including intra-bank transfers from another account) totaling $1,500 or more each month will earn 0.40%. A qualifying direct deposit is required for the remaining interest rate qualifications to apply. Ten (10) point-of-sale transactions per month using your Rewards Checking Visa® Debit Card for normal everyday purchases with a minimum of $3 per transaction, or enrolling in Account Aggregation/Personal Finance Manager (PFM) will earn 0.30%; maintaining an average daily balance of at least $2,500 per month in an Axos Self Directed Trading Invest account will earn 0.10%; maintaining an average daily balance of at least $2,500 a month in an Axos Managed Portfolio Invest account will earn 0.10%; and making a monthly payment to an open Axos Bank consumer loan (commercial and business loans excluded) via transfer from your Rewards Checking account will earn a maximum of 0.10%. Limit of one Rewards Checking account allowed per customer. Qualifying transactions must post and clear the account during the monthly qualification cycle. Account transactions may take one or more business days from the transaction date to post to the account. At the time of your statement cycle date, we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply to your current statement cycle. We will use the daily balance method to calculate the interest on your account. We may change the interest rate paid for products and services used and the annual percentage yield at the Bank’s discretion any time without notice. Fees may reduce earnings.
Best banking: Chime checking and savings account
Product details
- All above plus
- No minimum deposit to open
- Early direct deposit
- No overdraft or NSF fund fees with SpotMe
- Automatic savings feature
- Real-time app alerts for all transactions
- Remote check deposits from mobile app
Terms and conditions
Early Payday: Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.
No Hidden Fees: Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
SpotMe: Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. SpotMe won’t cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See terms and conditions