Best Bank Accounts

Compare the best high-yield savings and checking accounts of 2026: current APYs, fees and bonuses, ranked by our editors on the terms the banks publish.

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.