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Best Banks and Credit Unions 2018

Dec. 7, 2018
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.

The best bank or credit union for you depends on what you’re in the market for: a savings account, a checking account, or both.

cheatgame.info spent more than 200 hours comparing and rating dozens of financial institutions to identify those with the best deposit accounts. Skip ahead to our top picks.

Top Overall Banks: Three financial institutions earned spots in both our best checking and best savings accounts lists. If you want to keep your checking and savings accounts at the same bank, go with one of these options.

Our list includes a credit union. Generally speaking, credit unions emphasize customer service more than banks do and pay higher interest rates — although online accounts, like the ones on this list, tend to pay great rates, too. Read our article for more on credit unions vs. banks.

Top Savings Accounts: If you’d like to split your accounts between different banks, consider one of these savings accounts. They have annual percentage yields above 2% — much higher than the national average of 0.09%. This is important because people typically use savings accounts to set money aside for goals, such as a trip or a down payment on a house. Your savings will grow faster with one of these accounts. Read more in our article about savings accounts.

Top Checking Accounts: If you’re more interested in checking accounts, these banks offer perks, such as interest or ATM fee reimbursements. And, crucially, they have large ATM networks and don’t charge monthly fees. Since checking accounts hold most people’s daily spending money, they should be easy to access and cheap to maintain. Read more in our article about checking accounts.


Top Overall Banks
Discover

at Discover,

Member, FDIC

Discover Bank

4.5 cheatgame.info rating
  • Over 60,000 free ATMs, cash-back rewards
  • 2.00% savings APY
  • Read more in our Discover review

Ally Bank

4.5 cheatgame.info rating
    • Over 43,000 ATMs, strong customer service
    • 2.00% savings APY
    • Read more in our Ally review
Alliant Credit Union

at Alliant Credit Union,

Federally insured by the NCUA

Alliant Credit Union

4.5 cheatgame.info rating
  • Over 80,000 free ATMs, interest checking available
  • 2.00% savings APY
  • Read more in our Alliant review
Top Savings Accounts
HSBC

at HSBC,

Member, FDIC


HSBC 
3.5 cheatgame.info rating
Goldman Sachs Bank USA

at Goldman Sachs Bank USA,

Member, FDIC

Marcus by Goldman Sachs

4.0 cheatgame.info rating
Barclays

at Barclays,

Member, FDIC


Barclays
4.0 cheatgame.info rating

» Looking for more excellent savings options? Browse our best savings accounts

Top Checking Accounts

Capital One 360
4.5 cheatgame.info rating

Fidelity

4.0 cheatgame.info rating
  • No monthly fees or minimum deposit, APYs starting at 0.31%
  • Read more in our Fidelity review

Charles Schwab Bank
4.0 cheatgame.info rating

 

» For more checking options, take a look at our best checking accounts

 Did you have something more specific in mind? If so, check out these articles:

Banks and Credit Unions

 

Checking Accounts

Savings and Money Market Accounts

Best Banks and Credit Unions 2018

Financial institutionBest for ...
Ally BankOverall, customer service
Discover BankOverall, cash-back rewards
Alliant Credit UnionOverall, ATM availability
HSBC Savings, 2.05% APY
Marcus by Goldman SachsSavings, 2.05% APY
BarclaysSavings, 2.05% APY
Capital One 360Checking, flexible overdraft options
FidelityChecking, 0.31% APY
Charles Schwab BankChecking, worldwide ATM reimbursements, 0.35% APY