![]() Some of the best online bank accounts include features such as:Īll those features can help you feel more in control of where your money is going. But you may get more than simple account management. Online banking and mobile banking allow you to perform a wide range of functions. In short, online banking keeps you in touch with your money whether you’re at home, out to dinner or taking an extended trip. While online banks may lack branches, many of them offer ATM access if you need to withdraw cash. These are tasks you can do with the tap of just a few buttons. If your debit card is lost or stolen, you may be able to log in to your mobile app to deactivate the card so no new purchases can be made. You can also deposit checks remotely and set up notifications or alerts, all without visiting a branch. As long as you’re able to log in to online banking or mobile banking, you can check your balances, pay bills or transfer money between accounts. One of the chief benefits of online banking is the ability to access your accounts from practically anywhere. If you’re interested in finding the best online bank-but you’re on the fence about whether online banking is right for you-here are some of the most significant advantages to consider. Online banking offers a host of benefits that can make managing your financial life much easier. To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Reviews Banks. To appear on this list, the bank must be an online bank with national availability. Banks with high customer satisfaction and an intuitive digital banking experience also earned higher scores. ![]() Online banks offering the highest APYs and lowest fees across their products rose to the top of the list, as did those with a low minimum deposit and balance requirements and a broad ATM network. Here’s the weighting assigned to each category: ![]() We ranked each bank on 12 data points within the categories of product offerings, APY, fees, ATM network, customer experience, digital experience and minimum requirements. To create this list, Forbes Advisor analyzed the products and services of 60 online banks, including a mix of large and small online banks and neobanks. Read our full Capital One 360 Bank Review. None of the bank’s products require a minimum deposit or minimum balance. You can also send Capital One a message on Twitter.Ĭapital One 360 makes it easy to open and maintain your accounts-whether it’s a savings account, checking account or CD. And Eno, the bank’s virtual assistant, is available in the mobile app or by text. ![]() Physical locations aren’t something you’ll find with most online banks.Ĭustomer service reps are available seven days a week by phone, from 8 a.m. If you can’t find a Café near you, Capital One also offers full-service branches in some states. Cafés offer certified money coaches, money workshops and assistance with opening and managing Capital One accounts. At these spaces, you can get personal support in a coffee-shop atmosphere. Plus, in select locations, you can also find Capital One Cafés. You can access your accounts at any time from anywhere online or via the bank’s highly rated mobile app. You can also get your questions answered via live chat, email and regular mail.Īlly’s mobile app, available on iOS and Android, gets high scores in the App Store and Google Play.Ĭapital One 360 is a hybrid between an online and brick-and-mortar bank. And the bank’s “surprise savings” feature analyzes your Ally checking account for money that’s safe to save and transfers it to your savings account automatically.Īlly Bank earns high customer satisfaction scores, with customer service available 24/7 by phone. The bank also has a “round ups” feature that looks for transactions in your checking account that it can round to the nearest dollar and transfer to your savings account. With Ally’s savings account, you can create “buckets,” allowing you to set 10 different savings goals within a single account. It has an extensive ATM network and it reimburses up to $10 per statement cycle for fees charged at out-of-network ATMs.Īlly customers also get access to the bank’s savings tools. Ally, a full-service online bank, offers consistently competitive rates on its products with low fees and no monthly maintenance fees or minimum balance requirements. ![]()
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