Compare the best high-yield savings and checking accounts of 2026. Up-to-date APYs, fees, and bonuses — ranked by our editors after hands-on testing.
How we pick the best bank accounts
We rank high-yield savings and checking accounts on APY, monthly fees, minimum balance requirements, ATM access, FDIC coverage, mobile app quality, and customer service. Rates change quickly — our rankings are reviewed weekly, and we note exactly when each APY was verified.
What to look for
APY at or above the FDIC national average, with no promotional-only rates that collapse.
No monthly maintenance fees, no minimum balance penalties, no excess-withdrawal fees.
FDIC-insured deposits up to $250,000 per depositor, per bank, per ownership category.
Strong mobile app, fast ACH transfers, and useful tools like automatic sub-savings goals.