Best checking and savings accounts

Earn more on cash

How to get the best checking and savings accounts.

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Best checking accounts

Both accounts offer:

  1. FDIC insured
  2. Free - no account fees
  3. Free ATM withdrawals (from the bank and reimbursement from other banks)
  4. No teaser rates, no hidden fees
  5. Robust free online resources and features including online banking, online bill pay, mobile banking and the ability to link to services like Apple Pay and Google Pay
  6. No minimum balance requirements.
  7. Debit card with zero liability and fraud protection
  8. Open with as little as $100


Estimated value to an individual

  • The average person can typically save up to $500 per year with their checking account decisions. A substantial portion of this savings is often in:
    • Eliminating ATM fees (from your bank and from other banks)
    • Earning cash back on your debit card
    • Eliminating hidden / other fees


Best savings account

It is difficult to get the highest yield on a savings account.

  1. Rates are always changing.
  2. If you do get information on a better alternative, it is time consuming to change accounts.
  3. If you do switch accounts, the best solution typically changes, repeating the cycle.




Estimated value to an individual

  • 0.5% and 1.5% on cash balances per year


Ease of implementation

  • Opening an account takes less than 15 minutes with either of the recommended solutions.


How we made our recommendation

  1. Safety & FDIC insurance
  2. Daily liquidity
  3. Continuous optimization (rest assured best-in-class)


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