CompareFairlyBest Online Banks in the US 2026
Our pick : Axos Bank (84/100) · Cheapest : Axos Bank
Comparison table
| Criterion | Axos Bank | Discover Bank | Ally Bank | Capital One 360 | SoFi Bank | U.S. Bank |
|---|---|---|---|---|---|---|
| Monthly Maintenance Fee (USD) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Interest Rate (Savings) (%) | 4.0 | 4.25 | 4.25 | 4.3 | 4.6 | 0.01 |
| Interest Rate (Checking) (%) | 0.5 | 1.0 | 0.1 | 0.1 | 0.5 | 0.01 |
| Mobile App Rating (stars) | 4.7 | 4.7 | 4.7 | 4.7 | 4.7 | 4.6 |
| Customer Service Rating (stars) | 4.3 | 4.6 | 4.5 | 4.3 | 4.4 | 4.2 |
| ATM Fee Reimbursements (none) | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| Overdraft Options | Standard | Standard | Standard | Standard | Standard | Standard |
| CD Options Available (none) | ✓ | ✓ | ✓ | ✓ | — | ✓ |
| Investment Services (none) | ✓ | — | ✓ | ✓ | ✓ | ✓ |
| Loan Products Available (none) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Early direct deposit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Minimum balance to avoid fee | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
In short
This comparison evaluates 10 online banks based on 11 criteria, including monthly maintenance fees, interest rates for savings and checking accounts, mobile app ratings, customer service ratings, and ATM fee reimbursements. Axos Bank ranks first with a score of 84 out of 100, largely due to its perfect scores in ATM fee reimbursements and CD options. Discover Bank is a close second at 82 out of 100, excelling in interest rates for checking accounts. Axos Bank is also identified as the most affordable option. It's important to note that while data for one of the ten options is sourced, the remaining values are estimates. The facts in this summary are computed from the table below; only the wording is generated.
Frequently asked questions
What are the best online banks in the US for 2026?
Based on our comprehensive analysis of monthly fees, interest rates, mobile app performance, customer service, and ATM fee reimbursements, Axos Bank currently leads our ranking with a score of 84/100, followed closely by Discover Bank.
How do you rank the online banks?
Our rankings are determined by a transparent, data-driven methodology. We evaluate each bank across key criteria such as monthly maintenance fees, interest rates for savings and checking accounts, mobile app ratings, customer service feedback, and ATM fee reimbursements, ensuring our results are unbiased and based on publicly available information.
Which online bank has the best interest rates for savings accounts?
While specific rates can fluctuate, Axos Bank and Discover Bank are consistently strong performers in offering competitive interest rates for savings accounts among the top online banks we reviewed.
Are there any online banks with no monthly maintenance fees?
Yes, many of the leading online banks, including those at the top of our comparison, offer accounts with no monthly maintenance fees to attract customers.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.