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APY
3.75%
Minimum Deposit
USDÂ 100.0
Fees & Caveats
- To earn 3.75% APY, a daily balance of $5,000 or more is required; balances below $5,000 earn 0.25% APY
- Online-only bank, no physical branch access
- No monthly service fees
- No account opening fees
- Outgoing wire transfer fee: $10 (for balances under $25,000)
APY
4.00%
Minimum Deposit
USDÂ 1.0
Fees & Caveats
- Must be a U.S. citizen or U.S. resident alien with a U.S. social security number, residing in the U.S.
- Must have an existing U.S. bank or credit union account to fund your Raisin account.
- Deposits and withdrawals can only be conducted via ACH transfer between a single external bank account and a Raisin Cash Account.
- No checking accounts offered through Raisin.
- Limited customer service hours through Raisin.
- Cannot link Raisin accounts to third-party apps.
- No branch access; online only.
- Check writing is not allowed for High-Yield Savings Accounts.
- Withdrawal limits (normally six per month) are currently suspended.
Additional Information
- New customers can earn a cash bonus of up to $1,500 by using code HEADSTART when funding their first product between January 15 and February 28, 2026. A minimum deposit of $10,000 within 14 days of the first deposit is required, and the balance must be maintained for 90 days to qualify for the bonus. Bonus tiers range from $70 for deposits between $10,000 and $24,499 up to $1,500 for deposits of $200,000 or more.
Name
Upgrade
APY
3.05%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- A minimum balance of $1,000 is required to earn the advertised APY; if the balance drops below $1,000, the APY will be 0%.
- For the first 60 days, withdrawals via ACH are limited to the bank account used for initial funding.
- Daily maximum transfer limit of $100,000.
- Subject to transfer count limits and threshold dollar limits for external transfers (e.g., 2-7 transfers within a 7-day period, $2,000-$15,000 within a 7-day period).
- Upgrade does not have physical branches.
- The Premier Savings account does not come with an ATM card.
- Cash deposits are not accepted.
APY
4.00%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- To earn the 4.00% APY (LevelUp Rate), you must deposit at least $250 per month (cumulative deposits during the statement cycle). If this requirement is not met, the account earns a Standard Rate of 3.00% APY.
- Account owners must have a primary U.S. address.
- New accounts have a daily withdrawal limit of $5,000. This limit may increase for established customers with other LendingClub accounts.
- No Monthly Maintenance Fees
- No Overdraft Fees
- No NSF Fees
- Expedited ATM card fee: $35
- Domestic Outgoing Wire fee: $20
- International Outgoing Wire fee: $40
- Research fee: $25 per hour
Name
SoFi Savings
APY
4.00%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- To earn the 4.00% APY, you must open a new SoFi Checking and Savings account and meet one of the following criteria: receive eligible direct deposits, make qualifying deposits of $5,000 or more every 31 days, or pay a $10 SoFi Plus subscription every 30 days. This 4.00% APY includes a 0.70% APY boost to the standard 3.30% APY and is available for up to six months, for accounts opened by March 30, 2026.
- Without meeting the high-yield criteria, a lower APY of 1.00% applies.
- Rates are variable and subject to change.
- No monthly maintenance fees
- No overdraft fees
- No minimum balance fees
- Outgoing wire transfer fee
Additional Information
- New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus. A $50 bonus requires at least $1,000 in total eligible direct deposits, while a $300 bonus requires at least $5,000 in total eligible direct deposits. The bonus is based on the total amount of eligible direct deposits received within 45 days of clicking the Cash Back link. This promotion is available through December 31, 2026.
APY
3.90%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- Available exclusively online and by phone
- Not available to open through financial centers
- Special rules for new accounts may apply during the first 30 days
- No monthly maintenance fee
- No Non-Sufficient Funds (NSF) fee
- No Returned deposited item fee
- No Account closing fee
- Stop payment fee: $25
- No EverBank ATM fees; up to $15 monthly reimbursement for other U.S. ATM fees (unlimited reimbursement for accounts with a minimum average daily balance of $5,000)
APY
3.75%
Minimum Deposit
USDÂ 5,000.0
Fees & Caveats
- Minimum balance of $5,000 required to earn the advertised APY.
- Tiered rates may apply; higher balances may earn a lower APY.
- Enrollment in eStatements and qualifying account requirements may apply.
- Rates are variable and subject to change at any time without notice.
APY
3.75%
Minimum Deposit
USDÂ 5,000.0
Fees & Caveats
- Minimum deposit of $5,000 to open the account
- Must maintain a minimum collected balance of $25 to earn the disclosed APY
- Limited to six preauthorized transfers or withdrawals per month
- Withdrawals limited to $100,000 in outbound transactions per month, with a limit of $25,000 per transaction
- External transfer limit of $25,000 within a period of three business days
- No cash deposits
- Account withdrawals only via transfer to an external bank account
- Online-only bank, no physical branches
- No checking accounts or CDs available directly through BrioDirect
- No monthly maintenance fee
- $10 fee for transactions exceeding six preauthorized transfers/withdrawals per month
- $35 overdraft fee
- $5 fee for paper statements
- $20 abandoned account fee
- $30 stop payment fee
APY
3.70%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- Limit of 6 withdrawals per statement cycle
APY
3.66%
Minimum Deposit
USDÂ 1,000.0
Fees & Caveats
- Online only account
- Limited to 6 transfers or withdrawals per month
- 30-day wait to make external transfers after opening
- No Monthly Maintenance Fees
- $10 excess transaction fee after 6 transfers or withdrawals per month
Additional Information
- $400 signup bonus for opening a new CIBC Agility™ Online Savings Account was reported as of February 23, 2024, with specific requirements to earn.
APY
3.65%
Minimum Deposit
USDÂ 100.0
Fees & Caveats
- No Monthly Service Fees
- No Account Opening Fees
APY
3.65%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- APY is variable and subject to change.
- Maximum balance limits may apply.
- Withdrawals and transfers may be limited to six per statement cycle; however, this limit may not currently be enforced.
- No mobile check or cash deposits; deposits accepted via external bank transfers, US mail, direct deposit, or domestic wire transfers only.
- No ATM card available.
- Account may be subject to closure if no money is added within 60 days of opening or if a positive balance is not maintained for 60 days.
Additional Information
- Earn up to $1,500 Cash Bonus with qualifying activities. Enrollment by March 11, 2026, required.
APY
3.61%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- Minimum balance of $0.01 to obtain APY
- Interest rates and annual percentage yield (APY) may change at any time, at TAB's discretion, without notice
- No Monthly Maintenance Fees
- Paper statements incur a $5 fee per statement
APY
3.61%
Minimum Deposit
USDÂ 10.0
Fees & Caveats
- Eligibility limited to consumers who apply online and do not have an existing checking or savings account with Salem Five Bank at the time of application
- Only funds not previously on deposit with Salem Five or Salem Five Direct are eligible
- APY applies to balances up to $1,000,000; balances over this amount may earn a lower variable rate
- No more than 6 combined pre-authorized, automatic or telephone transfers per calendar month
- No monthly maintenance fees
- Branch transaction fee if transactions are conducted at a Salem Five Bank branch
APY
3.60%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- Account may be closed if balance is less than $1 for 180 days or more
- Mobile deposit limits: $5,000 daily check max, $10,000 total daily deposit limit, 20 checks totaling $50,000 over 10 business days
- Does not accept cash, wire transfers, money orders, or third-party checks
- No monthly maintenance fees
- No annual fees
- Cashier's Check Fee: $5
- Returned Deposit Fee: $5 (per item)
- Non-Sufficient Funds (NSF) Fee: $5 (per item)
- Paper Statements: $0.50 per statement
APY
3.40%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- No Fees
Additional Information
- Up to 0.70% APY boost for up to 6 months on new accounts with eligible Direct Deposit, bringing APY to up to 4.30% (terms apply).
APY
3.30%
Minimum Deposit
USDÂ 1.0
Fees & Caveats
- One Individual Cash Account per client
- Up to three Joint Cash Accounts per client
- Daily debit card spending limit: $10,000
- Daily ATM withdrawal limit: $1,000 (up to 10 withdrawals)
- Daily point-of-sale cash back limit: $2,500
- Daily funding transactions limit: $5,000
- Monthly teller withdrawal limit: $3,000
- Daily cash deposit limit: $3,000
- Daily ACH transfer limit (incoming/outgoing): $250,000 (transfers over this amount are split across multiple business days)
- Promotional APY (if applicable) applies to balances up to $150,000
- No monthly maintenance fees
- No overdraft fees
- No ACH transfer fees
- No wire transfer fees
- Out-of-network ATM fee: $2.50 (first two domestic out-of-network ATM fees up to $7.50 reimbursed monthly)
- Foreign transaction fee: 2.75%
- Cash deposit at a retail store: up to $6
Additional Information
- New clients can earn 3.95% APY for 3 months. Clients can also earn a 0.75% APY boost (making it 4.05% APY) for 3 months on up to $150,000 through a referral program, with extensions possible via additional referrals.
APY
3.30%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- APY is variable and subject to change.
- No ATM or debit card access; withdrawals require transferring funds to a linked checking account.
- Certain savings features like 'autopilot' and 'paycheck percentage' require a Capital One 360 Checking account.
APY
3.30%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- Maximum deposit limit of $5 million per account.
- Transfers from external accounts may take up to two business days.
- American Express may require up to seven days' written notice before approving large withdrawals.
- No ATM or debit cards available for physical cash withdrawals.
- Limited banking services; no checking accounts, loans, or mortgages.
Name
Ally Bank
APY
3.30%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- Limit of 10 withdrawals per statement cycle. Exceeding this limit regularly may result in account closure.
APY
3.25%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- Account must be funded within 90 days of opening or it will be closed.
- No debit or ATM cards.
- Cannot deposit funds via Zelle or wire transfer, only ACH transfers to/from linked accounts.
- No branch access.
- No mobile app.
- No mobile check deposit.
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