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cheatgame.info’s Bank and Credit Union Reviews

cheatgame.info adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.
We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

cheatgame.info’s experts have reviewed and rated dozens of banks and credit unions to help you find those with the best accounts, branch and ATM availability, customer service and more.

Below is an overview of the financial institutions that we’ve analyzed, with a special spotlight on the five that received the highest ratings.

+ Skip ahead to online banks
+ Skip ahead to banks and credit unions with branches

Highest-Rated Banks and Credit Unions
Alliant Credit Union

at Alliant Credit Union,

Federally insured by the NCUA

Alliant Credit Union

cheatgame.info has rated this bank:
  • Over 80,000 free ATMs; interest checking available
  • 1.95% savings APY

Ally Bank

cheatgame.info has rated this bank:
  • Over 43,000 free ATMs; interest checking available
  • 2.00% savings APY
BECU

at BECU,

Member, FDIC

Boeing Employees Credit Union

cheatgame.info has rated this bank:

Capital One 360 

cheatgame.info has rated this bank:
  • Over 39,000 free ATMs; interest checking available
  • 1.00% savings APY
Discover

at Discover,

Member, FDIC

Discover Bank

cheatgame.info has rated this bank:

Although these financial institutions are the best of the pack, there are plenty of other good options out there. Below are links to reviews of over 50 additional banks and credit unions.

Online banks

What online banks lack in branches, they make up for with low fees, high annual percentage yields (APYs) and helpful budgeting tools. These banks are typically FDIC insured and invest heavily in online security. Your money is just as safe at an online bank as it is at a traditional financial institution.

For more information, check out the following bank reviews.

Ally

Ally Bank

cheatgame.info has rated this bank:

Ally is a popular destination for people seeking strong rates, top-notch customer service and
helpful tools.

American Express

American ExpresS National Bank

cheatgame.info has rated this bank:

American Express National Bank offers highly competitive interest rates on its savings account and certificates of deposit, but doesn’t offer a checking option.

Aspiration

Aspiration

cheatgame.info has rated this bank:

Aspiration offers an interest-bearing checking account with a good annual percentage yield and free access to all ATMs.

Bank of Internet USA

Axos Bank

cheatgame.info has rated this bank:

Unlike many of its competitors, Axos Bank offers a range of checking accounts that come with a variety of perks.

Bank5 Connect

Bank5 Connect

cheatgame.info has rated this bank:

Bank5 Connect offers access to thousands of free ATMs and generous fee reimbursements.

Barclays

Barclays

cheatgame.info has rated this bank:

What Barclays lacks in checking account products it makes up for with its impressive selection of savings accounts and CDs.

Capital One

Capital One 360

cheatgame.info has rated this bank:

Capital One’s tools are some of the best in the business. The bank also offers a full-service online experience and a great mobile app.

Chime

Chime

cheatgame.info has rated this bank:

Chime is a mobile-only bank that offers a checking, or “spending,” account and cash back rewards.

CIT Bank

CIT Bank

cheatgame.info has rated this bank:

CIT Bank has an online high-yield savings account but no checking account. It’s a good place to park your money and earn interest.

Citizens Access

Citizens Access

cheatgame.info has rated this bank:

Citizens Access, the online offshoot of parent bank Citizens Bank, offers a savings account and CDs with top-notch rates.

Discover

Discover Bank

cheatgame.info has rated this bank:

Discover Bank’s free ATMs, free checks and fee-free services mean you keep more money in your pocket.

GoBank

GoBank

cheatgame.info has rated this bank:

GoBank is ideal for those who are comfortable doing their banking online.

GS Bank

Marcus by Goldman Sachs

cheatgame.info has rated this bank:

Marcus by Goldman Sachs won’t fulfill all of your banking needs, but it offers top-of-the-line savings rates.

Moven

Moven

cheatgame.info has rated this bank:

Designed for use on a smartphone, Moven boasts a real-time budgeting tool that could help you improve your finances.

Sallie Mae

Sallie Mae Bank

cheatgame.info has rated this bank:

Sallie Mae has excellent savings options and CDs, but doesn’t offer checking accounts.

Simple

Simple

cheatgame.info has rated this bank:

Simple’s checking account, tools and fee structure are as user-friendly as the company’s name suggests.

State Farm Bank

State Farm Bank

cheatgame.info has rated this bank:

State Farm Bank, part of the insurance giant, is an online institution with an array of banking products.

Synchrony

Synchrony Bank

cheatgame.info has rated this bank:

Synchrony offers relatively high rates on its savings accounts, certificates of deposit and money market accounts.

UFB Direct Bank

UFB Direct Bank

cheatgame.info has rated this bank:

UFB Direct Bank offers rewards for American Airlines customers.

Varo

Varo

cheatgame.info has rated this bank:

Varo is a mobile-only banking app with a hard-to-beat combo: free checking and high-yield savings.

» Want your cash to grow faster? Check out cheatgame.info’s best high-yield online savings accounts

Financial institutions with branches

These banks and credit unions are ideal for people seeking in-person help. But keep in mind that banks with thousands of branches typically charge steep monthly fees, and APYs are often low. Credit unions tend to offer better interest rates but might not have as many branches as regional and national banks.

But there are always exceptions. Take a look at the following reviews for more information on rates, ATM and branch availability, and other services.

Alaska USA Credit Union

Alaska USA Credit Union

cheatgame.info has rated this bank:

Shared branching and low fees make Alaska USA a convenient banking experience.

Alliant Credit Union

Alliant Credit Union

cheatgame.info has rated this bank:

Alliant is unusually easy to join for a credit union. It also offers great tech tools and exceptional APYs.

America First Credit Union

America First Credit Union

cheatgame.info has rated this bank:

America First’s checking and savings accounts are fee-free, but the share certificates are what really shine.

Associated Bank

Associated Bank

cheatgame.info has rated this bank:

Associated’s checking accounts are solid, but is otherwise a fairly unremarkable regional bank.

Bank of America

Bank of America

cheatgame.info has rated this bank:

Bank of America boasts first-class online and mobile products, as well as award-winning security and fraud-prevention systems.

Bank of the West

Bank of the West

cheatgame.info has rated this bank:

Bank of the West has a solid branch network, and its services make banking convenient wherever you are.

BBVA Compass

BBVA Compass

cheatgame.info has rated this bank:

BBVA Compass’ branches are concentrated in a handful of states, but its accounts are solid.

Boeing Employees Credit Union

Boeing Employees Credit Union

cheatgame.info has rated this bank:

Boeing Employees Credit Union is a nice alternative to banks if you meet its eligibility requirements.

Charles Schwab Bank

Charles Schwab Bank

cheatgame.info has rated this bank:

With no fees or minimum balances, checking and savings accounts offer stress-free banking. ATM coverage is superior.

Chase

Chase

cheatgame.info has rated this bank:

Chase delivers a stellar online experience and will work well for people who want all their financial needs met by one provider.

Citibank

Citibank

cheatgame.info has rated this bank:

Citibank’s tools are helpful, but customers will find lower fees and higher interest rates elsewhere.

Citizens Bank

Citizens Bank

cheatgame.info has rated this bank:

It’s easy to avoid monthly fees on Citizens’ basic checking and savings accounts, but its savings rates aren’t competitive.

Commerce Bank

Commerce Bank

cheatgame.info has rated this bank:

Commerce Bank is best for customers who live in its service area.

Community First Credit Union of Florida

Community First Credit Union of Florida

cheatgame.info has rated this bank:

Community First Credit Union offers accounts without monthly fees and has its own rewards program.

Connexus Credit Union

Connexus Credit Union

cheatgame.info has rated this bank:

The interest-bearing checking accounts at Connexus are hard to top.

Consumers Credit Union

Consumers Credit Union

cheatgame.info has rated this bank:

Consumers Credit Union isn’t a big institution, but its free rewards checking account lets members earn big yields.

Delta Community Credit Union

Delta Community Credit Union

cheatgame.info has rated this bank:

Delta offers good deposit accounts, even though some of its fees are high.

Fidelity

Fidelity

cheatgame.info has rated this bank:

Fidelity’s Cash Management account is an excellent place to keep your spending money, but you’ll have to look elsewhere for a savings account.

Fifth Third Bank

Fifth Third Bank

cheatgame.info has rated this bank:

Fifth Third has a strong branch network, but its deposit accounts leave a lot to be desired.

First National Bank

First National Bank

cheatgame.info has rated this bank:

Little distinguishes First National Bank from other banks, and that’s both good and bad.

Golden 1 Credit Union

Golden 1 Credit Union

cheatgame.info has rated this bank:

Golden 1 Credit Union is easy to join if you’re a Californian and offers great access to branches and ATMs.

HSBC

HSBC

cheatgame.info has rated this bank:

HSBC offers an excellent savings account along with a good checking option.

Huntington

Huntington Bank

cheatgame.info has rated this bank:

Fees on Huntington’s basic products are easy to avoid,
and the overdraft policy is more lenient than most.

KeyBank

KeyBank

cheatgame.info has rated this bank:

KeyBank’s approach to banking includes no-frills checking accounts and convenience, with good access to branches.

M&T Bank

M&T Bank

cheatgame.info has rated this bank:

Much like the biggest national banks, M&T provides a full array of products and services along with steep fees.

Navy Federal Credit Union

Navy Federal Credit Union

cheatgame.info has rated this bank:

Navy Federal is the largest credit union in the U.S. and offers solid checking and savings options.

Pentagon Federal Credit Union

Pentagon Federal Credit Union

cheatgame.info has rated this bank:

PenFed offers a user-friendly mobile app and an engaging website, unlike many other credit unions.

PNC Bank

PNC Bank

cheatgame.info has rated this bank:

With PNC Bank, you can choose traditional banking, or you can go modern and virtual.

Radius Bank

Radius Bank

cheatgame.info has rated this bank:

Radius Bank has good APYs and a consumer-friendly ATM fee policy.

Regions Bank

Regions Bank

cheatgame.info has rated this bank:

Regions has an impressive number of branches and ATMs, but its deposit accounts aren’t particularly noteworthy.

Santander

Santander Bank

cheatgame.info has rated this bank:

Santander has good savings options and cheap checking accounts, along with plenty of branches.

State Employees' Credit Union

State Employees’ Credit Union

cheatgame.info has rated this bank:

State Employees’ Credit Union of North Carolina has low fees and a solid ATM network.

Suncoast Credit Union

Suncoast Credit Union

cheatgame.info has rated this bank:

Good rates, low fees and a dedication to community accessibility make Suncoast exceptional in western Florida.

TCF Bank

TCF Bank

cheatgame.info has rated this bank:

TCF Bank has a lot of options, but plenty of steep fees, too.

TD Bank

TD Bank

cheatgame.info has rated this bank:

At TD Bank, you’ll find straightforward checking  and savings accounts, along with plenty of branches.

EverBank

TIAA Bank

cheatgame.info has rated this bank:

TIAA, formerly known as EverBank, offers solid CD rates, and its ATM fee policy is generous if you keep your checking account full.

Union Bank

Union Bank

cheatgame.info has rated this bank:

Union Bank offers a full lineup of services, but its deposit accounts come with steep fees.

U.S. Bank

cheatgame.info has rated this bank:

U.S. Bank offers several types of checking and savings accounts, and a wide range of CDs.

USAA Bank

USAA Bank

cheatgame.info has rated this bank:

USAA serves military members and their families, offering solid checking and savings accounts.

Wells Fargo

Wells Fargo

cheatgame.info has rated this bank:

Wells Fargo has a full range of solid financial products, but APYs are generally low.

» For more insight, check out cheatgame.info’s best banks and credit unions of 2018


RATING METHODOLOGY

cheatgame.info’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, bank experience and overdraft fees.

Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation.

The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.