If you are looking to open an online bank account, it's essential to do your research. You want an account with the highest interest rate - around 1 percent - minimal or no charges or balance limitations, FDIC insurance and a good customer service rating for the associated bank. Here are a few of the best online accounts accessible. Just remember when you are looking at these accounts and their interest rates, they aren't necessarily worse than a physical bank that doesn't offer an online option.
Best online accounts No. 1 - Ally
With no minimum balance needed a 24/7 customer service department that has a really good reputation, Ally Bank could be the very best place to go for your savings needs. Customers can get CDs and IRAs if they would like to through the bank as well. There are virtually no charges, and the website is really easy to use.
Another choice could be CIT
CIT has a $100 minimum balance, but there are no other charges for its accounts. There are also great customer service reps available to the Small business administration Preferred Lender. The company provides a 0.90 percent APY on balances under $25,000 and a 1.05 percent interest above that.
American Express Personal Savings another good choice
A savings account at American Express Bank gets 0.90 percent interest with no charges or minimum requirement. The bank also offers service 24/7.
Look into Discover
With 24/7 service and a .80 percent interest rate, Discover can be another great way. There is no minimum fee for keeping it open, though a $500 check is needed to open the account. There are also no monthly fees.
Many love EverBank
For significant savers, the EverBank Yield Pledge Cash Industry has a very high 1.25 percent introductory rate on balances of $50,000 or less. Over the first year, the APY still sits high at 1.01 percent. The entry amount is $1,500, the bank's website is intuitive and numerous other savings goods are available. There are many more options available for only accounts, and some may offer better deals than these listed. If you spend a little time doing a little research you will find out that your money can sometimes work for you. You now have read about our top accounts, the only question left is, what account will you choose? Visit us and let us know what account you chose and why.
Best online accounts No. 1 - Ally
With no minimum balance needed a 24/7 customer service department that has a really good reputation, Ally Bank could be the very best place to go for your savings needs. Customers can get CDs and IRAs if they would like to through the bank as well. There are virtually no charges, and the website is really easy to use.
Another choice could be CIT
CIT has a $100 minimum balance, but there are no other charges for its accounts. There are also great customer service reps available to the Small business administration Preferred Lender. The company provides a 0.90 percent APY on balances under $25,000 and a 1.05 percent interest above that.
American Express Personal Savings another good choice
A savings account at American Express Bank gets 0.90 percent interest with no charges or minimum requirement. The bank also offers service 24/7.
Look into Discover
With 24/7 service and a .80 percent interest rate, Discover can be another great way. There is no minimum fee for keeping it open, though a $500 check is needed to open the account. There are also no monthly fees.
Many love EverBank
For significant savers, the EverBank Yield Pledge Cash Industry has a very high 1.25 percent introductory rate on balances of $50,000 or less. Over the first year, the APY still sits high at 1.01 percent. The entry amount is $1,500, the bank's website is intuitive and numerous other savings goods are available. There are many more options available for only accounts, and some may offer better deals than these listed. If you spend a little time doing a little research you will find out that your money can sometimes work for you. You now have read about our top accounts, the only question left is, what account will you choose? Visit us and let us know what account you chose and why.
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