Best Online Banks: Compared (2026)
Compare 28 online banks side by side — verified data, transparent methodology, and clearly labeled featured placements.
How we rank
Rankings are computed from verified listing data: facts we could confirm from official sources, publicly stated figures where available, and verification depth. Featured placements are labeled and never change editorial order. Rankings refresh as we verify more banks — last updated October 2026.
Ally Bank
Ally Bank is a US online bank offering checking, savings, CDs, and money market accounts with no monthly fees. Ally Bank is FDIC-insured.
Axos Bank
Axos Bank is a US digital bank offering checking, savings, and money market accounts with ATM fee reimbursements. Axos Bank is FDIC-insured.
Bank of America
Bank of America is one of the largest US banks, offering checking, savings, credit cards, mortgages, and investing through Merrill. Bank of America, N.A. is FDIC-insured.
Bluevine
Bluevine is a US fintech offering business checking accounts and lines of credit for small businesses. Banking services are provided by Coastal Community Bank, member FDIC.
Capital One 360
Capital One 360 is Capital One's online banking line, offering checking, savings, and CDs with no monthly fees. Capital One, N.A. is FDIC-insured.
Chase
Chase is the consumer banking brand of JPMorgan Chase, the largest US bank, offering checking, savings, credit cards, and mortgages. JPMorgan Chase Bank, N.A. is FDIC-insured.
Chime
Chime is a US fintech offering fee-free checking, savings, and credit-builder accounts through a mobile app. Banking services are provided by partner banks, members FDIC.
Citibank
Citibank is the US consumer bank of Citigroup, offering checking, savings, and credit cards. Citibank, N.A. is FDIC-insured.
Current
Current is a US fintech offering mobile checking accounts with early direct deposit and teen banking. Banking services are provided by a partner bank, member FDIC.
Dave
Dave is a US banking app offering checking accounts and small cash advances with no overdraft fees. Banking services are provided by a partner bank, member FDIC.
Discover Bank
Discover Bank is a US online bank offering checking, savings, CDs, and money market accounts. Discover Bank is FDIC-insured.
Happen Bank
Happen Bank, N.A. (formerly LendingClub Bank) is a US digital bank offering personal loans, savings, and checking. Happen Bank, N.A. is FDIC-insured. LendingClub rebranded to Happen in summer 2026.
Marcus by Goldman Sachs
Marcus is Goldman Sachs' consumer banking brand, offering high-yield savings accounts and CDs. Deposits are held by Goldman Sachs Bank USA, member FDIC.
Mercury
Mercury is a US fintech offering business banking for startups, with checking, savings, and corporate cards. Banking services are provided by partner banks, members FDIC.
MoneyLion
MoneyLion is a US financial app combining banking, investing, credit building, and cash advances. Banking services are provided through partner banks.
Monzo
Monzo is a UK digital bank offering app-based current accounts, savings pots, and budgeting tools. Monzo Bank Ltd is authorised by the PRA and regulated by the FCA.
N26
N26 is a German digital bank offering mobile current accounts across Europe. N26 Bank GmbH holds a German banking licence.
Novo
Novo is a US fintech offering free business checking accounts for small businesses and freelancers. Banking services are provided by Middlesex Federal Savings, member FDIC.
PNC
PNC Bank is a major US bank offering checking, savings, and lending products across the eastern US. PNC Bank, N.A. is FDIC-insured.
Revolut
Revolut is a global fintech offering multi-currency accounts, cards, crypto, and stock trading in one app. Revolut Ltd is authorised by the FCA in the UK; EU services run under its Lithuanian banking licence.
SoFi Bank
SoFi Bank, N.A. is the banking arm of SoFi, offering high-yield checking and savings with no account fees. SoFi Bank, N.A. is FDIC-insured.
Starling Bank
Starling Bank is a UK digital bank offering personal and business current accounts with no monthly fees. Starling Bank Limited is authorised by the PRA and regulated by the FCA.
TD Bank
TD Bank is the US retail bank of Toronto-Dominion Bank, operating branches along the East Coast. TD Bank, N.A. is FDIC-insured.
U.S. Bank
U.S. Bank is a major US regional bank offering checking, savings, credit cards, and mortgages. U.S. Bank National Association is FDIC-insured.
Upgrade
Upgrade is a US fintech offering checking and savings accounts plus personal loans and credit cards. Banking products are issued through partner banks.
Varo Bank
Varo Bank is a US digital bank offering checking, savings, and cash advances with no monthly fees. Varo Bank, N.A. is FDIC-insured.
Wells Fargo
Wells Fargo is a major US bank offering checking, savings, credit cards, and home lending. Wells Fargo Bank, N.A. is FDIC-insured.
Wise
Wise (formerly TransferWise) offers multi-currency accounts, international transfers at mid-market rates, and debit cards. Wise is regulated by the FCA in the UK and FinCEN in the US.
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