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Best Bank to Open an Account: Top Choices for Checking and Savings in 2025

Selecting the best bank to open an account requires careful consideration of various factors, including account types, fees, interest rates, and customer service. Checking accounts are essential for daily transactions, while savings accounts help grow funds over time. The ideal bank balances these needs with minimal costs and maximum convenience. Below is an in-depth analysis of the top banks for checking and savings accounts in the U.S., followed by a detailed comparison table.

Top Banks for Checking Accounts

Checking accounts are the backbone of personal finance, facilitating bill payments, debit card transactions, and direct deposits. The best checking accounts offer low or no monthly fees, overdraft protection, and widespread ATM access.

Chase Bank

Chase Bank is a popular choice for checking accounts due to its extensive branch network and robust mobile app. The Chase Total Checking account offers a $12 monthly fee, waivable with a minimum daily balance or direct deposit. Features include access to over 16,000 ATMs and Zelle integration for quick transfers.

Bank of America

Bank of America provides the Advantage Plus Checking account, which charges a $12 monthly fee but waives it with a minimum balance or qualifying direct deposits. Customers benefit from the bank’s large ATM network and Merrill Lynch investment integration.

Ally Bank

Ally Bank, an online-only institution, offers a fee-free checking account with no minimum balance requirements. It reimburses ATM fees nationwide and provides high-interest rates on savings, making it a strong contender for digital-savvy users.

Top Banks for Savings Accounts

Savings accounts are crucial for building emergency funds and achieving long-term financial goals. High-yield savings accounts, often offered by online banks, provide better interest rates than traditional banks.

Discover Bank

Discover Bank’s High-Yield Savings account offers a competitive APY with no monthly fees or minimum balance requirements. The account includes 24/7 customer support and seamless integration with Discover’s credit cards.

Capital One 360

Capital One 360 provides a high-yield savings account with no fees or minimum deposits. Customers enjoy a user-friendly mobile app and access to Capital One Cafés for in-person assistance.

Marcus by Goldman Sachs

Marcus by Goldman Sachs offers a high-yield savings account with no fees and a competitive APY. The lack of a mobile app may be a drawback for some, but its strong reputation and customer service compensate for this limitation.

Comparison Table: Best Banks for Checking and Savings Accounts

Bank	Checking Account	Savings Account	Monthly Fees	ATM Access
Chase Bank	Total Checking	Chase Savings	$12 (waivable)	16,000+
Bank of America	Advantage Plus	Advantage Savings	$12 (waivable)	16,000+
Ally Bank	Interest Checking	High-Yield Savings	$0	AllPoint Network
Discover Bank	Cashback Debit	High-Yield Savings	$0	60,000+
Capital One 360	360 Checking	360 Savings	$0	70,000+
Marcus by Goldman Sachs	N/A	High-Yield Savings	$0	N/A

Factors to Consider When Choosing a Bank

When selecting the best bank to open an account, consider the following factors:

Fees: Look for accounts with no or low monthly fees, overdraft charges, and ATM fees.
Interest Rates: High-yield savings accounts offer better returns on deposits.
Accessibility: Ensure the bank has a convenient branch or ATM network, or offers robust online services.
Customer Service: Reliable support is crucial for resolving issues quickly.
Mobile Banking: A user-friendly app enhances the banking experience.

For further information, visit the official websites of these banks: Chase Bank , Bank of America , Ally Bank , Discover Bank , Capital One , and Marcus by Goldman Sachs .

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