{
  "canary": "69d764e64675f62b",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Interest Rates",
        "key": "annual_percentage_yield",
        "label": "APY (Savings)",
        "poids": 5,
        "primary": true,
        "sens": "plus_haut_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Fees",
        "key": "monthly_maintenance_fee",
        "label": "Monthly Maintenance Fee",
        "poids": 4,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Fees",
        "key": "atm_fee_reimbursement",
        "label": "ATM Fee Reimbursement",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "boolean"
      },
      {
        "group": "Fees",
        "key": "minimum_balance_fee",
        "label": "Minimum Balance Fee",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Fees",
        "key": "international_transfer_fees",
        "label": "International Transfer Fees",
        "poids": 2,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Service",
        "key": "customer_service_rating",
        "label": "Customer Service Rating",
        "options": [
          "1",
          "2",
          "3",
          "4",
          "5"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "note",
        "unit": "/5"
      },
      {
        "group": "Service",
        "key": "app_rating",
        "label": "Mobile App Rating",
        "options": [
          "1",
          "2",
          "3",
          "4",
          "5"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "note",
        "unit": "/5"
      },
      {
        "group": "Service",
        "key": "security_features",
        "label": "Security Features",
        "options": [
          "Basic",
          "Standard",
          "Advanced"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "qualitative"
      },
      {
        "group": "Features",
        "key": "early_direct_deposit",
        "label": "Early Direct Deposit",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "boolean"
      },
      {
        "group": "Features",
        "key": "mobile_check_deposit",
        "label": "Mobile Check Deposit",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "boolean"
      },
      {
        "group": "Features",
        "key": "overdraft_protection_options",
        "label": "Overdraft Protection Options",
        "options": [
          "None",
          "Link to Savings",
          "Line of Credit",
          "No Overdraft Fees"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "qualitative"
      },
      {
        "group": "Products",
        "key": "account_types_offered",
        "label": "Account Types Offered",
        "options": [
          "Checking",
          "Savings",
          "Money Market",
          "CDs",
          "IRAs"
        ],
        "poids": 2,
        "sens": "neutre",
        "type": "multiple_choice"
      }
    ],
    "faq": [
      {
        "a": "Based on our analysis of APY, fees, and customer service, SoFi Bank and Capital One 360 are top contenders for the best online banks in the US.",
        "q": "What are the best online banks in the US for 2026?"
      },
      {
        "a": "SoFi Bank currently leads with a higher APY for savings accounts compared to Capital One 360, making it a strong choice for maximizing interest.",
        "q": "How do SoFi Bank and Capital One 360 compare on savings APY?"
      },
      {
        "a": "Both SoFi Bank and Capital One 360 are known for offering accounts with no monthly maintenance fees, a key factor in our comparison.",
        "q": "Are there monthly maintenance fees for top online banks like SoFi or Capital One?"
      },
      {
        "a": "Our rankings are based on objective data for APY, fees, and customer service ratings, ensuring a neutral comparison without any paid placements.",
        "q": "How is your online bank ranking determined?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 4072,
    "neutral": false,
    "path": [
      "finance",
      "banking",
      "online-banking"
    ],
    "price_key": "monthly_maintenance_fee",
    "profile_questions": [
      {
        "options": [
          "Everyday banking",
          "Savings & Investments",
          "Travel",
          "Business"
        ],
        "q": "Primary use?"
      },
      {
        "options": [
          "Minimize all fees",
          "Tolerate some fees for benefits",
          "Not a major concern"
        ],
        "q": "Interest in fees?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "Best high-yield savings accounts",
      "Compare checking accounts",
      "Best mobile banking apps",
      "Online banks for small businesses"
    ],
    "synthese": [
      "This comparison evaluates 10 online banks based on 12 criteria, including APY for savings, monthly maintenance fees, ATM fee reimbursement, minimum balance fees, international transfer fees, and customer service ratings. SoFi Bank ranks highest with a score of 99 out of 100, largely due to its perfect scores in APY for savings and mobile app rating. SoFi Bank is also identified as the most affordable option. It's important to note that data for only 2 out of the 10 options is sourced, with the remaining values being estimates that are clearly marked.",
      "The facts in this summary are computed from the table below; only the wording is generated."
    ],
    "tier": "gold",
    "title": "Best Online Banks in the US",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 2.9,
    "stale": true,
    "ttl_days": 1
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest"
      ],
      "best_for": "People who want the convenience of an all-in-one banking hub without giving up high rates.",
      "cons": [],
      "description": "SoFi Checking and Savings account combines both accounts into one simple setup with no account fees, no minimums, and a strong APY.",
      "logo_dom": "sofi.com",
      "logo_url": "https://unavatar.io/sofi.com?fallback=false",
      "name": "SoFi Bank",
      "pros": [
        "Combines checking and savings into one setup",
        "No account fees",
        "No minimums",
        "Strong APY, especially with direct deposit",
        "Instant money movement between checking, savings, and investment accounts"
      ],
      "provider": "SoFi",
      "rating": 4.9,
      "score": 99.0,
      "source_url": "https://www.fool.com/money/awards/2026/banking/",
      "subscores": {
        "annual_percentage_yield": 100.0,
        "app_rating": 100.0,
        "atm_fee_reimbursement": 100.0,
        "customer_service_rating": 94.0,
        "early_direct_deposit": 100.0,
        "international_transfer_fees": 100.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 100.0,
        "overdraft_protection_options": 100.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings"
        ],
        "annual_percentage_yield": 4.5,
        "app_rating": 4.7,
        "atm_fee_reimbursement": true,
        "customer_service_rating": 4.4,
        "early_direct_deposit": true,
        "international_transfer_fees": 0.0,
        "minimum_balance_fee": 0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 0,
        "overdraft_protection_options": "No Overdraft Fees",
        "security_features": "Advanced"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Anyone who wants the best of online banking without giving up the option to walk in and talk to someone.",
      "cons": [],
      "description": "Capital One strikes a rare balance between digital convenience and the full service of a traditional bank, offering competitive savings rates and CD products.",
      "link_url": "https://capitalone360.com/",
      "logo_dom": "capital.com",
      "logo_url": "https://unavatar.io/capital.com?fallback=false",
      "name": "Capital One 360",
      "pros": [
        "Digital convenience and full-service traditional banking",
        "Competitive savings rates and CD products",
        "Branch network adds accessibility",
        "Offers loans, checking, savings, and credit cards"
      ],
      "provider": "Capital One",
      "rating": 4.5,
      "score": 98.0,
      "source_url": "https://www.fool.com/money/awards/2026/banking/",
      "subscores": {
        "annual_percentage_yield": 96.0,
        "app_rating": 98.0,
        "atm_fee_reimbursement": 100.0,
        "customer_service_rating": 91.0,
        "early_direct_deposit": 100.0,
        "international_transfer_fees": 100.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 100.0,
        "overdraft_protection_options": 100.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings",
          "CDs"
        ],
        "annual_percentage_yield": 4.3,
        "app_rating": 4.6,
        "atm_fee_reimbursement": true,
        "customer_service_rating": 4.3,
        "early_direct_deposit": true,
        "international_transfer_fees": 0.0,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 0.0,
        "overdraft_protection_options": "No Overdraft Fees",
        "security_features": "Advanced"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Known for its customer service and rewards, Discover Bank offers competitive rates on savings accounts.",
      "estimated": true,
      "link_url": "https://www.discover.com/",
      "logo_dom": "discover.com",
      "logo_url": "https://unavatar.io/discover.com?fallback=false",
      "name": "Discover Bank",
      "provider": "Discover Bank",
      "score": 95.0,
      "source_url": "https://www.discover.com/bank/",
      "subscores": {
        "annual_percentage_yield": 96.0,
        "app_rating": 98.0,
        "atm_fee_reimbursement": 100.0,
        "customer_service_rating": 100.0,
        "early_direct_deposit": 100.0,
        "international_transfer_fees": 100.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 100.0,
        "overdraft_protection_options": 33.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings",
          "Money Market",
          "CDs"
        ],
        "annual_percentage_yield": 4.3,
        "app_rating": 4.6,
        "atm_fee_reimbursement": true,
        "customer_service_rating": 4.7,
        "early_direct_deposit": true,
        "international_transfer_fees": 0.0,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 0.0,
        "overdraft_protection_options": "Link to Savings",
        "security_features": "Advanced"
      }
    },
    {
      "badges": [],
      "description": "A leading online bank offering a wide range of products and competitive rates.",
      "estimated": true,
      "link_url": "https://www.ally.com/",
      "logo_dom": "ally.com",
      "logo_url": "https://unavatar.io/ally.com?fallback=false",
      "name": "Ally Bank",
      "provider": "Ally Bank",
      "score": 94.0,
      "source_url": "https://www.ally.com/",
      "subscores": {
        "annual_percentage_yield": 94.0,
        "app_rating": 100.0,
        "atm_fee_reimbursement": 100.0,
        "customer_service_rating": 96.0,
        "early_direct_deposit": 100.0,
        "international_transfer_fees": 100.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 100.0,
        "overdraft_protection_options": 33.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings",
          "Money Market",
          "CDs",
          "IRAs"
        ],
        "annual_percentage_yield": 4.25,
        "app_rating": 4.7,
        "atm_fee_reimbursement": true,
        "customer_service_rating": 4.5,
        "early_direct_deposit": true,
        "international_transfer_fees": 0.0,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 0.0,
        "overdraft_protection_options": "Link to Savings",
        "security_features": "Advanced"
      }
    },
    {
      "badges": [],
      "description": "Provides a variety of banking products with competitive interest rates and no monthly fees.",
      "estimated": true,
      "link_url": "https://www.axosbank.com/",
      "logo_dom": "axos.com",
      "logo_url": "https://unavatar.io/axos.com?fallback=false",
      "name": "Axos Bank",
      "provider": "Axos Bank",
      "score": 92.0,
      "source_url": "https://www.axosbank.com/",
      "subscores": {
        "annual_percentage_yield": 92.0,
        "app_rating": 94.0,
        "atm_fee_reimbursement": 100.0,
        "customer_service_rating": 87.0,
        "early_direct_deposit": 100.0,
        "international_transfer_fees": 100.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 100.0,
        "overdraft_protection_options": 33.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings",
          "Money Market",
          "CDs",
          "IRAs"
        ],
        "annual_percentage_yield": 4.15,
        "app_rating": 4.4,
        "atm_fee_reimbursement": true,
        "customer_service_rating": 4.1,
        "early_direct_deposit": true,
        "international_transfer_fees": 0.0,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 0.0,
        "overdraft_protection_options": "Link to Savings",
        "security_features": "Advanced"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "A popular fintech company offering a fee-free banking experience with early direct deposit.",
      "estimated": true,
      "link_url": "https://chime.com/",
      "logo_dom": "chime.com",
      "logo_url": "https://unavatar.io/chime.com?fallback=false",
      "name": "Chime",
      "provider": "Chime",
      "score": 71.0,
      "source_url": "https://www.chime.com/",
      "subscores": {
        "annual_percentage_yield": 0.0,
        "app_rating": 96.0,
        "atm_fee_reimbursement": 100.0,
        "customer_service_rating": 85.0,
        "early_direct_deposit": 100.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 100.0,
        "overdraft_protection_options": 100.0,
        "security_features": 50.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings"
        ],
        "annual_percentage_yield": 0.0,
        "app_rating": 4.5,
        "atm_fee_reimbursement": true,
        "customer_service_rating": 4.0,
        "early_direct_deposit": true,
        "international_transfer_fees": null,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 0.0,
        "overdraft_protection_options": "No Overdraft Fees",
        "security_features": "Standard"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "Offers high-yield savings accounts with no minimum balance requirements.",
      "estimated": true,
      "link_url": "https://www.marcus.com/",
      "logo_dom": "marcus.com",
      "logo_url": "https://unavatar.io/marcus.com?fallback=false",
      "name": "Marcus by Goldman Sachs",
      "provider": "Marcus by Goldman Sachs",
      "score": 57.0,
      "source_url": "https://www.marcus.com/",
      "subscores": {
        "annual_percentage_yield": 98.0,
        "app_rating": 91.0,
        "atm_fee_reimbursement": 0.0,
        "customer_service_rating": 89.0,
        "early_direct_deposit": 0.0,
        "mobile_check_deposit": 0.0,
        "monthly_maintenance_fee": 100.0,
        "overdraft_protection_options": 0.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Savings",
          "CDs"
        ],
        "annual_percentage_yield": 4.4,
        "app_rating": 4.3,
        "atm_fee_reimbursement": false,
        "customer_service_rating": 4.2,
        "early_direct_deposit": false,
        "international_transfer_fees": null,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": false,
        "monthly_maintenance_fee": 0.0,
        "overdraft_protection_options": "None",
        "security_features": "Advanced"
      },
      "verified": false
    },
    {
      "badges": [],
      "description": "A large national bank with extensive online and mobile banking services.",
      "estimated": true,
      "link_url": "https://www.wellsfargo.com/",
      "logo_dom": "wells.com",
      "logo_url": "https://unavatar.io/wells.com?fallback=false",
      "name": "Wells Fargo",
      "provider": "Wells Fargo",
      "score": 54.0,
      "source_url": "https://www.wellsfargo.com/",
      "subscores": {
        "annual_percentage_yield": 0.0,
        "app_rating": 89.0,
        "atm_fee_reimbursement": 0.0,
        "customer_service_rating": 81.0,
        "early_direct_deposit": 100.0,
        "international_transfer_fees": 33.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 28.0,
        "overdraft_protection_options": 33.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings",
          "Money Market",
          "CDs",
          "IRAs"
        ],
        "annual_percentage_yield": 0.01,
        "app_rating": 4.2,
        "atm_fee_reimbursement": false,
        "customer_service_rating": 3.8,
        "early_direct_deposit": true,
        "international_transfer_fees": 30.0,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 5.0,
        "overdraft_protection_options": "Link to Savings",
        "security_features": "Advanced"
      }
    },
    {
      "badges": [
        "best_value"
      ],
      "description": "Offers a comprehensive suite of online banking tools and services for personal and business accounts.",
      "estimated": true,
      "link_url": "https://www.bankofamerica.com/",
      "logo_dom": "bank.com",
      "logo_url": "https://unavatar.io/bank.com?fallback=false",
      "name": "Bank of America",
      "provider": "Bank of America",
      "score": 54.0,
      "source_url": "https://www.bankofamerica.com/",
      "subscores": {
        "annual_percentage_yield": 0.0,
        "app_rating": 91.0,
        "atm_fee_reimbursement": 0.0,
        "customer_service_rating": 83.0,
        "early_direct_deposit": 100.0,
        "international_transfer_fees": 22.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 29.0,
        "overdraft_protection_options": 33.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings",
          "Money Market",
          "CDs",
          "IRAs"
        ],
        "annual_percentage_yield": 0.01,
        "app_rating": 4.3,
        "atm_fee_reimbursement": false,
        "customer_service_rating": 3.9,
        "early_direct_deposit": true,
        "international_transfer_fees": 35.0,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 4.95,
        "overdraft_protection_options": "Link to Savings",
        "security_features": "Advanced"
      }
    },
    {
      "badges": [],
      "description": "A traditional bank with a strong online presence, offering a range of checking and savings accounts.",
      "estimated": true,
      "link_url": "https://www.usbank.com/",
      "name": "U.S. Bank",
      "provider": "U.S. Bank",
      "score": 50.0,
      "source_url": "https://www.usbank.com/",
      "subscores": {
        "annual_percentage_yield": 1.0,
        "app_rating": 91.0,
        "atm_fee_reimbursement": 0.0,
        "customer_service_rating": 85.0,
        "early_direct_deposit": 100.0,
        "international_transfer_fees": 0.0,
        "mobile_check_deposit": 100.0,
        "monthly_maintenance_fee": 0.0,
        "overdraft_protection_options": 33.0,
        "security_features": 100.0
      },
      "values": {
        "account_types_offered": [
          "Checking",
          "Savings",
          "Money Market",
          "CDs",
          "IRAs"
        ],
        "annual_percentage_yield": 0.05,
        "app_rating": 4.3,
        "atm_fee_reimbursement": false,
        "customer_service_rating": 4.0,
        "early_direct_deposit": true,
        "international_transfer_fees": 45.0,
        "minimum_balance_fee": 0.0,
        "mobile_check_deposit": true,
        "monthly_maintenance_fee": 6.95,
        "overdraft_protection_options": "Link to Savings",
        "security_features": "Advanced"
      },
      "verified": false
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-online-banks.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best online bank",
  "source": "CompareFairly",
  "title": "Best Online Banks in the US",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-online-banks"
}