| Bank / Account | Our Rating | APY | Min. Balance | Monthly Fee | Open Account |
|---|---|---|---|---|---|
| Marcus by Goldman Sachs — High-Yield Savings | ★★★★★ 4.9 | 3.65% APY | $0 | $0 | Open → |
| Ally Bank — High-Yield Savings | ★★★★★ 4.8 | 3.10% APY | $0 | $0 | Open → |
| SoFi Checking & Savings | ★★★★½ 4.7 | 4.00% APY | $0 | $0 | Open → |
| Discover Online Savings | ★★★★½ 4.6 | 4.00% APY | $0 | $0 | Open → |
| Chime Checking Account | ★★★★ 4.4 | 2.00% APY | $0 | $0 | Open → |
MARCUS
🏆 Highest APY
Marcus High-Yield Savings
Goldman Sachs · Online Bank
★★★★★ 4.9 / 5
APY3.65%
Min. Balance$0
Monthly Fee$0
FDIC InsuredYes — $250K
Why we love it: Goldman Sachs brand trust with consistently top-tier rates, no fees, no minimum balance. Simple, honest savings.
ALLY
⭐ Fan Favorite
Ally Bank Savings
Ally Bank · Online Bank
★★★★★ 4.8 / 5
APY3.10%
Min. Balance$0
Monthly Fee$0
FDIC InsuredYes — $250K
Why we love it: Consistently top-10 APY, excellent mobile app, 24/7 customer support, and bucket/savings goal features that make saving effortless.
SOFI
💳 Best Combo
SoFi Checking + Savings
SoFi Bank · Online Bank
★★★★½ 4.7 / 5
Savings APY4.00%
Direct Deposit BonusUp to $300
Monthly Fee$0
ATM Access55,000+ free ATMs
Why we love it: Get checking AND savings in one account, earn 4.00% APY with direct deposit, and get paid up to 2 days early. No fees ever.