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The emergence of online banks has changed the way we manage our money. In the past, we’d visit a bank branch to open an account or make a withdrawal. But now, online banks offer the ability to perform almost every banking task on a mobile device or a home computer.

We compared the top online banks with federal deposit insurance, examining key metrics including fees, customer experience, product choice, account features, and commitment to environmental and social responsibility to narrow down the 10 best. (Click here for the full methodology.)

Quontic Bank is a New York-based digital bank founded in 2009. This bank offers three types of banking products: checking accounts, savings accounts, and certificates of deposit (CDs). Quontic also offers a suite of traditional mortgages, such as conventional and FHA loans, as well as non-traditional mortgages such as bank statement loans and foreign national loans. Quontic also offers mortgage refinancing for current homeowners.

Quontic stands out for its large ATM network, wide range of CD terms, and its mobile banking app that boasts a near-perfect rating on both the Apple App Store and Google Play storefronts.

Quontic’s online and mobile banking platform allows users to deposit checks remotely, round up their savings, automatically pay bills, lock and unlock debit cards, transfer funds between accounts, and more.

Quontic also earned a high score for customer service, offering customers three different ways to contact a customer service representative: phone, email, and chat.

Quontic Bank’s products:

Checking accounts: Quontic offers a high-interest checking account for those who want to earn interest on their balance, as well as a rewards checking account that allows customers to earn cash back on debit card purchases. A standout product is Quontic’s innovative Pay Ring: If you tend to forget your wallet at home, this is a wearable ring that ensures that you always have access to your funds and can pay for a purchase by tapping your ring at the checkout counter.

Savings account: Quontic’s high-yield savings account compounds interest daily and requires a $100 minimum opening deposit.

Certificates of deposit: Quontic offers several CD options, with terms that range from six months to 60 months with a minimum opening deposit of $500.

Money market account: With a $100 minimum deposit requirement, savers can open their own Quontic money market account online in just a few minutes. This account gives them access to their savings via check or debit card while earning interest on their balance.

Mortgages: Quontic offers both traditional and non-traditional mortgage loans and refinancing for all kinds of borrowers, even those whom other lenders have rejected.

Read our full Quontic Bank review

Ally Bank is headquartered in Utah and offers a range of personal banking and retirement products, as well as lending and investment services.

Ally Bank secured the second spot on our list — only one point behind our top contender because of its slightly smaller ATM network. Ally offers free ATM access through the Allpoint network and up to $10 in reimbursements for out-of-network ATM fees each statement cycle.

Ally is a great option for customers who prefer to use one bank for all of their accounts. It offers fee-free checking and savings accounts, as well as credit cards and other financing options.

Another major plus: Ally offers 24/7 support via telephone and chat for customers who value the ability to speak to a live banking specialist.

Ally Bank’s products: 

Checking account: Ally’s Spending Account is a fee-free account that allows account holders to organize their cash into spending buckets, deposit checks remotely, and even get access to their paycheck up to two days earlier than their scheduled payday.

Savings: Ally’s savings account doesn’t charge a monthly fee or require a minimum opening deposit. The account also comes with features such as recurring roundups and automatic transfers. You can also create individual savings buckets to track your progress toward each of your savings goals.

Money market account: Ally’s money market account offers a competitive interest rate based on your balance (Ally has three different balance tiers). Account holders also receive a debit card and the ability to use Ally eCheck Deposit for remote check deposits.

CDs: Customers can choose a certificate of deposit between three months and five years with no monthly maintenance fee or minimum opening deposit.

Credit cards: Ally offers a platinum Mastercard, as well as two different cash-back cards that reward cardholders with up to 3% cash back for spending at gas stations, grocery stores, drugstores, and other retailers.

Lending products: SoFi is known for offering affordable private student loans. However, customers can use Ally’s lending products to get a mortgage, finance their vehicle, or get a personal loan to pay for expenses including medical treatments, home repairs, and renovations.

Read our full Ally Bank review

American Express, or Amex, is typically associated with credit cards, but this online bank has plenty to offer. Its products and services include personal savings and checking accounts, loans, investment management, and business accounts and lines of credit.

American Express took a spot on our list for its high score in our environmental and social responsibility category, as well as our security category. Amex offers multi-factor authentication to provide an added layer of security, alerts for suspicious account activity, and fraud protection.

Read more: How to spot credit card skimmers and avoid fraud

On the environmental front, American Express has made a commitment to net-zero emissions by 2035. In addition to its low-carbon goals, Amex has expressed its commitment to serving communities around the world through the American Express Foundation.

American Express’s products:

Credit cards: American Express’s credit card offerings include personal and business credit cards, prepaid cards, gift cards, and corporate credit cards.

Savings accounts: American Express offers a high-yield savings account with no minimum balance or monthly fees.

Certificates of deposit: American Express’s fee-free certificates of deposit range from 11 months to five years and do not require a minimum balance.

Checking account: For customers who want to earn interest on their checking account balance, Amex offers a rewards checking account for current cardholders that has no required opening deposit, no monthly fees, and offers membership rewards points on eligible debit card purchases.

Personal loans: American Express cardmembers can apply to finance personal expenses with a personal loan ranging from $3,500 to $40,000.

Business products and services: Business customers can take advantage of American Express’s business credit cards, payment solutions, corporate cards, business lines of credit, and more.

Read our full American Express National Bank review

Capital One’s roots stretch back more than 25 years as a credit card company, and it has since expanded to offer customers a full suite of banking products and services. In addition to a long list of financial products and services, Capital One offers an educational hub to teach customers how to manage their finances and plan for financial milestones.

Capital One has a large library of educational resources and credit tools. It features articles on how to build credit, make the most of your credit card benefits, increase your loan approval odds, and more. Capital One’s Creditwise tool gives users a more personalized experience that helps them better understand their credit scores, keep up with changes to their credit, and monitor the use of their personal information.

Capital One also ranked highly in our customer experience category for having a high mobile app rating and a clear, easy-to-use website.

Although Capital One is a major player in online banking, it fell behind some of our top contenders for a few reasons. At 70,000+ ATMs, Capital One’s ATM network is not as large as our top picks, and it doesn’t offer reimbursement for out-of-network ATM fees.

Capital One also scored lower in our fee transparency category. While it does have individual account disclosures for each account type, the disclosures and fee schedules required a bit more digging to find than our top picks.

Capital One’s products: 

Credit cards: Capital One offers credit-building cards, cash-back cards, and rewards cards that allow customers to earn points for purchases on dining, travel, and entertainment. It also offers student cards, business cards, and low-intro APR credit cards.

Checking accounts: In addition to its interest-bearing 360 Checking account, Capital One allows younger customers to start managing their finances and earn interest through its teen checking account.

Savings accounts: Capital One has two savings accounts — a high-yield savings account and a fee-free kids savings account.

Certificates of deposit: Capital One’s CDs range from six months to five years with no minimum balance to open an account.

Auto loans: Capital One offers car loans for new and used cars.

Read our full Capital One review

SoFi, or Social Finance Inc., was founded in 2011 by a group of Stanford business school students and in 2012 launched its Student Loan Refinancing program for federal and private loans. As of today, SoFi serves more than 13.7 million customers and has expanded its product offering to include lending, investing, personal banking, insurance, and more.

SoFi didn’t fall far behind our top contenders in terms of overall points. This bank scored the maximum amount of points in our security category and our fee category for its no-fee model.

While SoFi’s roots began in the student loan refinancing space, it now offers personal, business, investing, retirement, and insurance products. In addition to its product offerings, SoFi offers a financial insights dashboard for customers who need extra help budgeting and monitoring their credit scores.

SoFi’s products: 

Checking and savings account: SoFi offers an interest-bearing combination checking and savings account with no account fees or balance minimums.

Credit cards: SoFi currently offers one credit card, which earns unlimited 2% cash-back rewards for every dollar spent on purchases.

SoFi invest: SoFi customers can trade stocks and ETFs right in their SoFi mobile app with an investment account.

Private student loans and student loan refinancing: SoFi offers student loan refinancing options with no origination fees, pre-payment penalties, or late fees. It also offers private student loans with no fees and multiple repayment terms.

Personal loans: SoFi’s personal loans range from $5,000 up to $100,000 to help you cover the cost of personal expenses such as your wedding, travel, and home improvements. Once you’re approved, your money could be available as soon as the same day.

Mortgages: SoFi’s home mortgage loans offer fixed terms ranging from 10 years to 30 years, with as little as 3% down.

Insurance: For extra protection, SoFi offers auto, home, life, and renters insurance.

Read our full SoFi review

Axos Bank, founded in 2000, is a digital bank offering banking, lending, and investment products for individuals and businesses. Axos Bank’s digital-first approach means that its products are tailored to customers who prefer the online experience. Axos offers online wire transfers, biometric identification, mobile deposits, and more to give customers a high level of convenience and security.

Axos Bank scored highly in our fees category for having several no-fee account options and transparency around its fee structure. This bank also has an extensive ATM network of more than 91,000 fee-free ATMs. For customers who want an online bank but don’t want to limit quick access to cash, Axos could be the right choice.

Axos Bank’s products:

Checking accounts: Axos offers several checking account options with zero monthly maintenance fees: the Axos ONE Checking account (a combination checking and savings account), Rewards Checking, Essential Checking, First Checking, Cashback Checking, and Golden Checking.

Savings accounts: Axos offers a high-yield savings account with no monthly maintenance fees or minimum balance requirements. For customers who want to start building their savings early, Axos offers a savings account for teens ages 13-17. It also offers the Axos ONE savings account which is its checking and savings bundle.

Mortgages: Homebuyers can take advantage of a host of mortgage options offered by Axos with $0 lender fees and up to 3% annualized cash back.

Personal loans: For customers hoping to finance a large expense, Axos offers personal loans of up to $50,000 with terms ranging from three to six years.

Auto loans: Axos’s auto loans can be used to cover purchases and refinancing with no payment for up to 90 days. Terms can be as long as 96 months.

Investment accounts: Axos’s investment products include managed portfolios and self-directed trading accounts that users can link to their mobile app to monitor in one dashboard.

Read our full Axos Bank review

NBKC is a Kansas-based online bank that offers consumer banking products such as CDs, money market accounts, and a combination checking and savings account. NBKC Bank provides products and services to individual, business, and fintech customers and is an established lender offering a wide range of loan products, including mortgages, personal loans, and auto loans. NBKC has a few physical branches in and around the Kansas City area, though it operates primarily online.

NBKC took the 7th spot on our list, scoring favorably thanks to its fee-free accounts and positive customer experience. It also offers the NBKC everything account, which is a fee-free combination checking and savings account that earns interest with no minimum balance requirement.

NBKC’s products: 

Checking and savings account: NBKC offers a combination checking and savings account that allows customers to spend and save money with one account. Customers can set up autopay for their regular bills, create savings goals for future expenses, and track their progress and spending along the way.

Money market account: NBKC’s money market account doesn’t charge any fees and has a minimum balance requirement of just $0.01 to earn interest.

Certificates of deposit: NBKC’s CD terms range from seven months to five years and require a minimum opening deposit of $250 or $1,000, depending on the term you choose. It also offers personal IRA CDs.

Mortgage loans: Homebuyers and owners can benefit from NBKC Bank’s mortgage offerings, which include conventional loans and VA loans, refinancing options, and home equity loans.

Lending services: NBKC also offers other types of financing options like auto loans, personal loans, bridge loans, and land loans.

Read our full NBKC Bank review

First Internet Bank was founded in Indiana in 1999 and was the first state-chartered, FDIC-insured institution to operate entirely online. First Internet Bank’s suite of products includes personal and business banking products, health savings accounts, and even accounts for kids.

First Internet Bank made the eighth spot on our list for its variety of products, low fees, and transparency around fees and product details.

First Internet Bank’s products: 

Checking account: First Internet Bank offers two types of checking accounts. Its interest-bearing checking account can be opened with $100 and charges a $10 monthly maintenance fee. Its free checking account doesn’t pay interest, but there’s no daily balance requirement.

Savings account: First Internet Bank’s free savings account doesn’t charge any monthly service fee and can be opened with $25.

Money market account: The money market account has a higher minimum to open at $100. It offers a tiered APY depending on how much money is held in the account. The biggest savers can earn well over 3% APY on their balance at the moment.

Certificates of deposit: First Internet Bank’s certificates of deposit range from three months to five years with a $1,000 minimum to open an account.

Health Savings Accounts: First Internet Bank’s health savings accounts are free to open and do not charge a monthly maintenance fee or impose a minimum balance requirement. They’re not connected to your employer either, so the account and funds are portable.

Kids Savings Accounts: For younger savers, First Internet Bank offers a chance to start saving for the future. Parents can open a savings account for their child with a $100 minimum. Once their child turns 18, the savings account will be converted to a free savings account.

Read our full First Internet Bank review

CIT Bank is a division of First Citizens Bank that operates exclusively online. It offers a variety of personal and commercial banking products and services.

CIT Bank made our list for its fee-free model and wide range of product offerings. One downside is that CIT does not offer an ATM network of its own, which could be a drawback for customers who prefer to carry cash.

CIT Bank’s products: 

Savings accounts: CIT offers a Platinum Savings account* with a 0.25% APY on balances of less than $5,000, and 3.75% APY on balances of $5,000 or more. The minimum opening deposit for this account is $100 and interest compounds daily. There are no monthly account fees. It also offers a Savings Connect account that boasts a generous 3.65% APY with a minimum opening deposit of $100. Interest is compounded daily and credited to the account monthly. CIT’s Savings Builder account offers up to 1% APY with a minimum balance of $25,000 or a $100 monthly deposit. Interest compounds daily. The minimum amount needed to open this account is $100 and there are no monthly account fees.

eChecking: The eChecking account requires a minimum deposit of $100 to open and earns 0.1% APY on balances under $25,000. Balances $25,000 and over earn 0.25% APY. There are no monthly fees or overdraft fees associated with this account.

Money market account: The CIT Money Market account offers a 1.55% APY with a minimum opening deposit of $100. There are no monthly account fees.

Certificates of deposit (CDs): CIT offers a few different types of CDs, including:

Term CDs: These CDs offer terms ranging from six months to five years with a minimum opening deposit of $1,000. Interest compounds daily.

No-penalty CDs: CIT currently offers one no-penalty CD with an 11-month term.

Jumbo CDs: Savers with larger account balances can take advantage of CIT’s Jumbo CDs, which come in 2-year, 3-year, 4-year, and 5-year terms. The minimum opening deposit is $100,000 and interest compounds daily.

Home loans: CIT Bank offers a variety of purchase and refinance mortgage loans.

*For complete list of account details and fees, see our Personal Account disclosures.

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100. *Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.

Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.

The Promotion begins on February 13, 2026, and ends April 13, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.

The promotion can end at any time without notice.

Read our full CIT Bank review

Bank5 Connect is the online division of BankFive, a Massachusetts-based community bank that was first founded in 1855. Bank5 Connect operates exclusively online and has no physical branches. It offers a range of banking products and services including high-interest CDs, checking accounts, high-yield savings accounts, and more.

Bank5 Connect took the final spot on our list — offering competitive rates and fee-free account options. Another perk of banking with Bank5 Connect is that it offers Depositors Insurance Fund (DIF) protection. This means that all of your money is insured — even if your balances exceed the FDIC’s $250,000 limit.

Bank5 Connect’s products: 

Checking account: Bank5 Connect’s high-interest checking account requires a minimum opening deposit of $10. Once your account is open, you can earn 2% APY as long as you maintain a minimum balance of $100. There are no monthly maintenance fees, and you can earn cash back on purchases with your Bank5 Connect debit card.

Savings account: The high-interest savings account earns a competitive APY with a minimum opening deposit of $10. However, you must maintain at least $100 in your account to earn this rate. Bank5 Connect also offers a jumbo savings account, which earns over 3% APY on balances of $25,000 and up. There are no monthly fees associated with either account.

Money market account: The Connect Money Market account offers more than 3% APY with a minimum opening deposit and minimum balance of $100. There are no monthly maintenance fees, and the account comes with checks and a debit card.

High-yield CDs: Bank5 Connect offers certificates of deposit (CDs) with terms ranging from three months to 36 months. A minimum opening deposit of $500 is required. If you withdraw funds before the end of the term, you’ll incur an early withdrawal penalty equal to three months’ interest if the CD term is less than one year, or six months’ interest if the CD term is one year or greater.

Credit cards: Bank5 Connect offers a number of credit cards, including rewards credit cards, cash-back credit cards, and secured credit cards.

Read our full Bank5 Connect review

Online banks and traditional brick-and-mortar banks typically offer the same types of products, but the lack of physical locations for online banks makes the banking experience quite different.

Branches: The most obvious difference between these two banking models is that brick-and-mortar banks have physical branches and online banks do not. If you’re the kind of customer who prefers to speak with a banking associate in person to open an account or resolve issues related to your account, an online bank may not be the right option for you.

Fees and interest: Online banks usually have lower operating costs because they don’t have to maintain office buildings or other physical infrastructure. As a result, an online bank may offer more competitive APYs or lower fees on their products. This isn’t a guarantee, but it’s worth comparing both types of banks to secure the highest interest rates and lowest fees for the products you’re interested in.

ATM access may be limited: Online banks typically do not have their own ATM network and rely on third-party networks to offer their customers ATM access. If you don’t like to carry cash and frequently use electronic transfers or payments, this is probably a non-issue. However, if you do use cash for certain expenses, it may be more difficult to access it without paying an extra fee. Certain third-party networks have the power to charge their own fees, even if your bank doesn’t. Many online banks offer ATM fee reimbursement, but it’s usually capped at a certain amount per month.

Mobile app and online banking experience: Online banks exist solely online, so it’s only natural that most of them will invest heavily in those platforms and provide you with greater digital banking capabilities. This could include mobile check deposits, mobile wallet integration, card locking and unlocking, ATM locator tools, budgeting tools, and more. Many traditional banks offer mobile apps, but they may be more limited in what they offer.

Read more: Online banking vs. traditional banking: Which one is right for you?

If you’re considering opening an online bank account, there are a few key factors you should consider to ensure that you choose the best bank for your personal finances.

Before considering any bank, whether it’s online or traditional, you should first verify that the bank is FDIC-insured. FDIC insurance protects the money in your deposit account up to $250,000 per depositor, per institution, per ownership category. Common ownership categories include single accounts, joint accounts, retirement accounts, trust accounts, business accounts, and more.

The easiest way to verify that your bank offers deposit insurance is to use the FDIC’s "BankFind" tool which allows you to type in any bank’s name, URL, or FDIC certification number to verify that it is indeed covered by the FDIC. Many banks also denote their status with “Member FDIC” noted on their homepage.

The benefit of a bricks-and-mortar institution is that you can usually stop by your local branch to deposit cash and withdraw money free of charge when you need it. Online banks can be a bit tricker. Many online banks offer fee-free ATM networks, but it’s not guaranteed that you’ll have an ATM close to home. ATM cards are also not a guarantee with every online bank, and in some cases your only option for accessing your funds could be via electronic transfer to another bank account.

If you plan to make frequent cash deposits or prefer to pay for certain expenses in cash, you’ll want to consider whether an online bank’s ATM network and ATM card privileges will work for you.

Read more: Do any high-yield savings accounts offer ATM card​s?

Customer service may not be at the top of your list of considerations when choosing a bank, but mishaps can happen, and when they do, you might want to have a real human helping you to resolve it rather than a chatbot.

Be sure to review each bank’s customer service options to learn more about its customer service hours and the different methods for reaching a representative.

Online banks don’t typically have the same operational costs as brick-and-mortar banks, which is good news for their customers. The bank might offer fee-free or low-fee accounts in certain instances, or higher APYs. However, this isn’t always the case.

Be sure to read the account terms and conditions of any accounts you’re considering and compare those figures with rates and fees from other banks to find the best option for your needs.

Read more: 6 common bank fees, and how to avoid them

Research the features available to customers on this bank’s mobile app and online platform. Some banks may not invest heavily in their digital tools and websites, and as a result, you could be limited as a customer. Functions you may find useful include transferring money between accounts, mobile check deposits, online bill pay, and more. Think carefully about the features and capabilities that matter most to you and factor those in when making your decision about the best online bank for you.

What is online banking?

Online banking involves banking at financial institutions that don't operate physical branches. These banks typically offer similar products and financial services to credit unions and traditional banks, but customers do all of their banking online or via mobile app.

Are online banks safe?

Online banks are just as safe as traditional banks, if not more so. As long as your bank is protected by federal deposit insurance, your deposits are federally insured up to $250,000 per depositor, per ownership category.

What is one con to using an online-only bank?

The most obvious drawback of online banking is that you don’t have access to a physical branch or face-to-face customer service when you need it. However, many online banks have expanded their customer support offerings to include late-night, weekend, or even 24/7 service hours to give customers greater access to a service representative.

The best free online bank will depend on your needs and preferences. That said, we chose Ally Bank's spending account as our top free checking account for its no monthly maintenance fees, competitive interest rates, and great customer service. Learn more about how to find the best online checking account.

To open a bank account online, you typically need to visit the bank's website, choose the type of account you want (e.g., checking, savings), and provide personal information such as your Social Security number, a valid ID, and address verification. The process is usually straightforward; simply fill out an online application, which can often be done in a matter of minutes.

Many online banks provide access to ATMs. They often partner with nationwide ATM networks such as Allpoint or MoneyPass, which allow customers to use ATMs across the country without incurring fees. Some online banks may also offer reimbursements for fees charged by out-of-network ATMs.

The benefits of using an online bank include higher interest rates on deposit accounts, lower fees, and 24/7 access to banking services via desktop and mobile.

To withdraw cash from an online account, you can often use network ATMs or electronically transfer money between accounts. Many online banks also allow you to deposit checks through mobile apps, while some accept cash deposits at network ATMs or via reload networks like Green Dot.

Our grading system, collected and carefully reviewed by our personal finance experts, comprises over 600 data points for over 20 FDIC-insured online banks to develop our list of the top 10 best online banks. We compared these banks across key metrics, including fees, customer experience, product selection, account features and security, and environmental and social responsibility.

The banks on our list could earn a maximum of 75 points across all five categories. Here’s a closer look at the categories we considered:

Fees: 20 points

We weighed each bank’s fees for its most basic checking and savings account options, as well as overdraft fees and ATM fees. Banks were awarded points for having no or lower fees, greater fee transparency, and clear, easy-to-access fee structures.

Customer service experience: 28 points

Customer service is a key element in a bank’s product offering, especially with online banks, where visiting a branch and asking for in-person help is usually impossible. Banks were scored on metrics including mobile app ratings on Apple and Google storefronts and methods for reaching customer service representatives. Banks that offered phone, chat, and email contacts were awarded the maximum points in that category.

We examined each website for information clarity as part of the customer service offering assessment. This subjective assessment looked at each bank’s website design, ease of navigation, language clarity, and whether customers could easily gather all the needed information to make an informed decision about any particular product.

We also awarded points to banks that offered more extensive ATM networks, credit monitoring tools, and educational resources.

Product selection and account features: 14 points

Each bank we analyzed could earn one point per product for each of the following:

Checking accounts

Savings accounts

High-yield savings accounts

Money market accounts

Certificates of deposit

Mortgages

Personal loans

Auto loans

Home equity lines of credit

We also looked at the speed of ACH transfers and gave banks points for same- or next-day transfers, early access to paychecks, Zelle as a service, and being part of FedNow — the Federal Reserve’s instant payment service.

Security: 10 points

We carefully considered each bank's security measures to protect your money and sensitive information. We looked at factors such as multi-factor authentication, website encryption, alerts for suspicious activity, zero fraud liability, and whether each bank had a dedicated security page or hub.

Environmental and social responsibility: 3 points

Many consumers consider a bank’s carbon footprint and philanthropic efforts before deciding on a particular institution. As such, banks that have dedicated pages to their philanthropic efforts and environmental goals, and have pledged to reach net zero CO2 emissions by 2050 scored up to 3 points for doing so.

We identified the 10 best checking accounts that are free to open and maintain. See our top picks based on interest rates, fees, ATM access, and more.

CIT Bank is an online-only bank and division of First Citizens Bank. It's known for offering fee-free accounts and competitive interest rates. Learn more about CIT Bank with this in-depth expert review.

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