Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
- Several banks offer 24/7 customer service by phone or live chat.
- Other banks may have limited hours during the workweek or weekend.
- If you find it challenging to do banking tasks during business hours, you may want to change banks.
Customer experience can significantly impact your overall banking experience. If you can’t find time to visit a branch or call a bank during regular business hours, then it’s going to be difficult to manage your money.
Thankfully, some banks make it easy to call or message the customer service center at any time of the day. Here’s a list of banks that offer 24/7 customer support, and many of these institutions are featured in one or more of our best bank account guides.
Banks with 24/7 telephone or online chat services
1. Alliant Credit Union
Alliant High-Interest Checking Account
Annual Percentage Yield (APY)
0.25% APY
Minimum Deposit Amount
$0
Alliant High-Interest Checking Account
Annual Percentage Yield (APY)
0.25% APY
Minimum Deposit Amount
$0
On Alliant Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.25% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Alliant Credit Union pays high interest rates on savings, checking, and certificates.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
2. Ally Bank
Ally High Yield Savings Account
Annual Percentage Yield (APY)
2.25% APY
Minimum Deposit Amount
$0
Ally High Yield Savings Account
Annual Percentage Yield (APY)
2.25% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
2.25% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Ally pays high interest rates on savings accounts and certificates.
How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat.
3. American Express National Bank
American Express® High Yield Savings Account
Annual Percentage Yield (APY)
2.15% APY (as of 10/06/2022)
Minimum Deposit Amount
$0
American Express® High Yield Savings Account
Annual Percentage Yield (APY)
2.15% APY (as of 10/06/2022)
Minimum Deposit Amount
$0
On American Express National Bank (Member FDIC)’s website
Deposit Details
Annual Percentage Yield (APY)
2.15% APY (as of 10/06/2022)
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: The American Express® High Yield Savings Account is the bank’s strongest account. It pays a high interest rate and has a $0 minimum opening deposit.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
4. Axos Bank
Axos Bank Rewards Checking
Annual Percentage Yield (APY)
Up to 1.25% APY
Minimum Deposit Amount
$50
Axos Bank Rewards Checking
Annual Percentage Yield (APY)
Up to 1.25% APY
Minimum Deposit Amount
$50
Deposit Details
Annual Percentage Yield (APY)
Up to 1.25% APY
Minimum Deposit Amount
$50
Pros & Cons
Highlights
Additional Reading
Standout feature: Axos Bank has great high-yield savings, checking, and money market accounts.
How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat.
5. Blue Federal Credit Union
Blue Extreme Checking Account
Annual Percentage Yield (APY)
1.00% to 2.00% APY
Minimum Deposit Amount
$0
Blue Extreme Checking Account
Annual Percentage Yield (APY)
1.00% to 2.00% APY
Minimum Deposit Amount
$0
On Blue Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
1.00% to 2.00% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: The Blue Extreme Checking Account is the credit union’s strongest account; it comes with a high interest rate. Blue FCU also reimburses you up to $28 each month in out-of-network ATM fees.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
6. Capital One 360
Capital One 360 Performance Savings™
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Capital One 360 Performance Savings™
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Capital One 360 pays competitive interest rates on savings, checking, and certificates.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
7. Charles Schwab
Schwab Bank High Yield Investor Checking® Account
Annual Percentage Yield (APY)
0.40% APY
Minimum Deposit Amount
$0
Schwab Bank High Yield Investor Checking® Account
Annual Percentage Yield (APY)
0.40% APY
Minimum Deposit Amount
$0
On Charles Schwab Bank’s website
Deposit Details
Annual Percentage Yield (APY)
0.40% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: The Schwab Bank High Yield Investor Checking® Account is its most appealing account, with no minimum opening deposit or monthly fees. Charles Schwab also doesn’t charge foreign transaction fees and offers unlimited refunds for out-of-network ATM fees.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
8. Chase
Annual Percentage Yield (APY)
0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change
Minimum Deposit Amount
$0
Annual Percentage Yield (APY)
0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Chase has over 4,700 branches in 33 states. It’s a good option if you want a large ATM and branch network.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
9. Chime*
Annual Percentage Yield (APY)
1.50% APY
Minimum Deposit Amount
$0
Annual Percentage Yield (APY)
1.50% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
1.50% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Chime has solid checking and savings accounts. There are no monthly fees or minimum opening deposit required.
How to contact 24/7 customer support: Customer service representatives are available through email.
*Chime is an online banking platform, not a bank.
10. CIT Bank
CIT Bank Savings Connect Account
Annual Percentage Yield (APY)
2.70% APY
Minimum Deposit Amount
$100
CIT Bank Savings Connect Account
Annual Percentage Yield (APY)
2.70% APY
Minimum Deposit Amount
$100
Deposit Details
Annual Percentage Yield (APY)
2.70% APY
Minimum Deposit Amount
$100
Pros & Cons
Highlights
Additional Reading
Standout feature: CIT Bank’s most appealing account is the CIT Bank Savings Connect Account. The account has a competitive interest rate that’s higher than the average savings account.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
11. Citibank
Citi® Accelerate Savings
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Citi® Accelerate Savings
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Citi’s strongest product is its Citi® Accelerate Savings. You can earn a high interest rate if you deposit at least $1.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
12. Consumers Credit Union
Consumers Credit Union Free Rewards Checking Account
Annual Percentage Yield (APY)
0.01% to 5% APY
Minimum Deposit Amount
$5
Consumers Credit Union Free Rewards Checking Account
Annual Percentage Yield (APY)
0.01% to 5% APY
Minimum Deposit Amount
$5
On Consumers Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.01% to 5% APY
Minimum Deposit Amount
$5
Pros & Cons
Highlights
Additional Reading
Standout feature: Consumers Credit Union has a strong rewards checking account. You can earn a high interest rate if you meet the requirements.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
Delta Community Credit Union Certificate of Deposit
Annual Percentage Yield (APY)
0.75% to 1.75% APY
Minimum Deposit Amount
$1,000
Delta Community Credit Union Certificate of Deposit
Annual Percentage Yield (APY)
0.75% to 1.75% APY
Minimum Deposit Amount
$1,000
On Delta Community Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.75% to 1.75% APY
Minimum Deposit Amount
$1,000
Pros & Cons
Highlights
Additional Reading
Standout feature: Delta Community Credit Union’s strongest products are its share certificates. You can get a competitive interest rate. If you need to withdraw money early, its penalties are lower than other institutions.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
14. Discover Bank
Discover Online Savings Account
Annual Percentage Yield (APY)
2.15% APY
Minimum Deposit Amount
$0
Discover Online Savings Account
Annual Percentage Yield (APY)
2.15% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
2.15% APY
Rates as of 9/30/22
Show more
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Discover Bank has a great online savings account. You can earn a high interest rate, and you don’t have to deal with monthly fees.
How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat.
15. Falcon International Bank
Falcon International Bank Regular Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Falcon International Bank Regular Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
On Falcon International Bank’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Pros & Cons
Highlights
Standout feature: Falcon International Bank has a good checking account for Texas residents. With the Falcon International Bank Regular Checking Account, there’s no minimum opening deposit and zero monthly service fees.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
16. FirstBank
FirstBank Anywhere Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
FirstBank Anywhere Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Standout feature: FirstBank has over 100 branches in Arizona, California, and Colorado. Its checking account has a $0 minimum opening deposit and charges zero monthly service fees.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
17. International Bank of Commerce
International Bank of Commerce Free Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
International Bank of Commerce Free Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
On International Bank of Commerce’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
Pros & Cons
Highlights
Standout feature: International Bank of Commerce has a good free checking account. This Hispanic American bank has 186 branches in Texas and Oklahoma.
How to contact 24/7 customer support: Customer service is available over the phone.
18. KeyBank
KeyBank Smart Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
KeyBank Smart Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
Pros & Cons
Highlights
Additional Reading
Standout feature: KeyBank offers a checking account with zero monthly service fees and free overdraft protection.
How to contact 24/7 customer support: Customer service is available over the phone.
Latino Community Credit Union Savings Account
Annual Percentage Yield (APY)
0.15% APY
Minimum Deposit Amount
$10
Latino Community Credit Union Savings Account
Annual Percentage Yield (APY)
0.15% APY
Minimum Deposit Amount
$10
On Latino Community Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.15% APY
Minimum Deposit Amount
$10
Pros & Cons
Highlights
Standout feature: Latino Community Credit Union is a Hispanic American-led credit union in North Carolina with several services geared toward Latinos, including customer support in Spanish and English. The Latino Community Credit Union Savings Account is the credit union’s strongest account with no monthly fees.
How to contact 24/7 customer support: Customer service is available over the phone. You can also send a secure message through online banking.
20. Navy Federal Credit Union
Navy Federal Free Active Duty Checking™ Account
Annual Percentage Yield (APY)
0.05% APY
Minimum Deposit Amount
$0
Navy Federal Free Active Duty Checking™ Account
Annual Percentage Yield (APY)
0.05% APY
Minimum Deposit Amount
$0
On Navy Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.05% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Navy Federal Credit Union has solid account options if you’re affiliated with the military. The Navy Federal Free Active Duty Checking™ Account is one of the bank’s strongest accounts with the option of early direct deposit.
How to contact 24/7 customer support: Customer service is available over the phone.
21. Premier Members Credit Union
Premier Members Credit Union Money Market Account
Annual Percentage Yield (APY)
0.10% to 2.00% APY
Minimum Deposit Amount
$5
Premier Members Credit Union Money Market Account
Annual Percentage Yield (APY)
0.10% to 2.00% APY
Minimum Deposit Amount
$5
On Premier Members Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.10% to 2.00% APY
Minimum Deposit Amount
$5
Pros & Cons
Highlights
Additional Reading
Standout feature: The Premier Members Credit Union Money Market Account is the credit union’s standout product. It pays a high interest rate on low balances.
How to contact 24/7 customer support: Customer service is available over the phone.
22. Regions Bank
Regions LifeGreen® Savings Account
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$5 at a branch, $50 online
Regions LifeGreen® Savings Account
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$5 at a branch, $50 online
On Regions Bank’s website
Deposit Details
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$5 at a branch, $50 online
Pros & Cons
Highlights
Additional Reading
Standout feature: Regions Bank is featured on our best national banks guide. It has about 1,300 branch locations in 15 states and is a good option if you are searching for a bank with a national presence.
How to contact 24/7 customer support: Customer service is available over the phone.
23. River City Federal Credit Union
River City Federal Credit Union Share Certificate
Annual Percentage Yield (APY)
1.75% to 3.00% APY
Minimum Deposit Amount
$500
River City Federal Credit Union Share Certificate
Annual Percentage Yield (APY)
1.75% to 3.00% APY
Minimum Deposit Amount
$500
On River City Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
1.75% to 3.00% APY
Minimum Deposit Amount
$500
Pros & Cons
Highlights
Standout feature: River City Federal Credit Union is a Hispanic American-led institution in Texas. It has share certificates with competitive interest rates and a $500 minimum opening deposit.
How to contact 24/7 customer support: Customer service is available over the phone.
24. State Employees Credit Union
State Employees Credit Union Share Account
Annual Percentage Yield (APY)
0.10% APY
Minimum Deposit Amount
$25
State Employees Credit Union Share Account
Annual Percentage Yield (APY)
0.10% APY
Minimum Deposit Amount
$25
On State Employees Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.10% APY
Minimum Deposit Amount
$25
Pros & Cons
Highlights
Standout feature: State Employees Credit Union has over 273 locations and 1,100 free ATMs in North Carolina. Its checking and savings accounts have low minimum opening deposits and low monthly service fees.
How to contact 24/7 customer support: Customer service is available over the phone.
25. Service Credit Union
Service Everyday Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Service Everyday Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
On Service Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Service Credit Union has solid account options if you’re affiliated with the military and live in New Hampshire or Massachusetts. The Service Everyday Checking Account offers a high interest rate if you meet the requirements.
How to contact 24/7 customer support: Customer service is available over the phone.
26. Security Service Federal Credit Union
Security Service Power Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Security Service Power Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
On Security Service Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Standout feature: Security Service Credit Union has solid account options if you’re affiliated with the military and live, work, or study in Colorado, Texas, and Utah. The Security Service Power Checking Account has zero monthly fees.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
27. Synchrony
Synchrony Money Market Account
Annual Percentage Yield (APY)
1.60% APY
Minimum Deposit Amount
$0
Synchrony Money Market Account
Annual Percentage Yield (APY)
1.60% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
1.60% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Synchrony Bank pays high interest rates on savings and money market accounts.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
28. TD Bank
TD Simple Savings Account
Annual Percentage Yield (APY)
0.02% APY
Minimum Deposit Amount
$0
TD Simple Savings Account
Annual Percentage Yield (APY)
0.02% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
0.02% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Standout feature: TD Bank is featured on our best national banks guide. It has over 1,200 branches across 16 states and is a solid option if you’re looking for banks with a national presence.
How to contact 24/7 customer support: Customer service is available over the phone.
29. US Bank
US Bank Standard Savings Account
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$25
US Bank Standard Savings Account
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$25
Deposit Details
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$25
Pros & Cons
Highlights
Additional Reading
Standout feature: US Bank is featured on our best national banks guide. It has over 3,000 branches across 26 states and is a good option if you’re looking for banks with a national presence.
How to contact 24/7 customer support: Customer service is available over the phone.
Frequently asked questions
Customer service varies at different financial institutions. Some of the options on this list have 24/7 customer support over the phone. Others offer support through live chat or email.
We include several different types of banks — online banks, national banks, and local banks — so you can see that there are many options out there. You can explore and compare different institutions with 24/7 customer service until you find the right one.
If you’ve found it challenging to bank during normal business hours in the past, you may want to find a bank that offers 24/7 customer support. That way, you can contact a customer service representative when other banks may be closed — after work hours or during the weekend.
When looking at customer service, it’s also a good idea to learn more about the bank’s history. Our reviews have a section on trustworthiness that includes any public controversies an institution has been involved in within the last three years. We also include ratings from the Better Business Bureau, which looks at how an institution responds to customer complaints.
Related Post
Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.
- Several banks offer 24/7 customer service by phone or live chat.
- Other banks may have limited hours during the workweek or weekend.
- If you find it challenging to do banking tasks during business hours, you may want to change banks.
Customer experience can significantly impact your overall banking experience. If you can’t find time to visit a branch or call a bank during regular business hours, then it’s going to be difficult to manage your money.
Thankfully, some banks make it easy to call or message the customer service center at any time of the day. Here’s a list of banks that offer 24/7 customer support, and many of these institutions are featured in one or more of our best bank account guides.
Banks with 24/7 telephone or online chat services
1. Alliant Credit Union
Alliant High-Interest Checking Account
Annual Percentage Yield (APY)
0.25% APY
Minimum Deposit Amount
$0
Alliant High-Interest Checking Account
Annual Percentage Yield (APY)
0.25% APY
Minimum Deposit Amount
$0
On Alliant Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.25% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Alliant Credit Union pays high interest rates on savings, checking, and certificates.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
2. Ally Bank
Ally High Yield Savings Account
Annual Percentage Yield (APY)
2.25% APY
Minimum Deposit Amount
$0
Ally High Yield Savings Account
Annual Percentage Yield (APY)
2.25% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
2.25% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Ally pays high interest rates on savings accounts and certificates.
How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat.
3. American Express National Bank
American Express® High Yield Savings Account
Annual Percentage Yield (APY)
2.15% APY (as of 10/06/2022)
Minimum Deposit Amount
$0
American Express® High Yield Savings Account
Annual Percentage Yield (APY)
2.15% APY (as of 10/06/2022)
Minimum Deposit Amount
$0
On American Express National Bank (Member FDIC)’s website
Deposit Details
Annual Percentage Yield (APY)
2.15% APY (as of 10/06/2022)
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: The American Express® High Yield Savings Account is the bank’s strongest account. It pays a high interest rate and has a $0 minimum opening deposit.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
4. Axos Bank
Axos Bank Rewards Checking
Annual Percentage Yield (APY)
Up to 1.25% APY
Minimum Deposit Amount
$50
Axos Bank Rewards Checking
Annual Percentage Yield (APY)
Up to 1.25% APY
Minimum Deposit Amount
$50
Deposit Details
Annual Percentage Yield (APY)
Up to 1.25% APY
Minimum Deposit Amount
$50
Pros & Cons
Highlights
Additional Reading
Standout feature: Axos Bank has great high-yield savings, checking, and money market accounts.
How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat.
5. Blue Federal Credit Union
Blue Extreme Checking Account
Annual Percentage Yield (APY)
1.00% to 2.00% APY
Minimum Deposit Amount
$0
Blue Extreme Checking Account
Annual Percentage Yield (APY)
1.00% to 2.00% APY
Minimum Deposit Amount
$0
On Blue Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
1.00% to 2.00% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: The Blue Extreme Checking Account is the credit union’s strongest account; it comes with a high interest rate. Blue FCU also reimburses you up to $28 each month in out-of-network ATM fees.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
6. Capital One 360
Capital One 360 Performance Savings™
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Capital One 360 Performance Savings™
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Capital One 360 pays competitive interest rates on savings, checking, and certificates.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
7. Charles Schwab
Schwab Bank High Yield Investor Checking® Account
Annual Percentage Yield (APY)
0.40% APY
Minimum Deposit Amount
$0
Schwab Bank High Yield Investor Checking® Account
Annual Percentage Yield (APY)
0.40% APY
Minimum Deposit Amount
$0
On Charles Schwab Bank’s website
Deposit Details
Annual Percentage Yield (APY)
0.40% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: The Schwab Bank High Yield Investor Checking® Account is its most appealing account, with no minimum opening deposit or monthly fees. Charles Schwab also doesn’t charge foreign transaction fees and offers unlimited refunds for out-of-network ATM fees.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
8. Chase
Annual Percentage Yield (APY)
0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change
Minimum Deposit Amount
$0
Annual Percentage Yield (APY)
0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Chase has over 4,700 branches in 33 states. It’s a good option if you want a large ATM and branch network.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
9. Chime*
Annual Percentage Yield (APY)
1.50% APY
Minimum Deposit Amount
$0
Annual Percentage Yield (APY)
1.50% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
1.50% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Chime has solid checking and savings accounts. There are no monthly fees or minimum opening deposit required.
How to contact 24/7 customer support: Customer service representatives are available through email.
*Chime is an online banking platform, not a bank.
10. CIT Bank
CIT Bank Savings Connect Account
Annual Percentage Yield (APY)
2.70% APY
Minimum Deposit Amount
$100
CIT Bank Savings Connect Account
Annual Percentage Yield (APY)
2.70% APY
Minimum Deposit Amount
$100
Deposit Details
Annual Percentage Yield (APY)
2.70% APY
Minimum Deposit Amount
$100
Pros & Cons
Highlights
Additional Reading
Standout feature: CIT Bank’s most appealing account is the CIT Bank Savings Connect Account. The account has a competitive interest rate that’s higher than the average savings account.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
11. Citibank
Citi® Accelerate Savings
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Citi® Accelerate Savings
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
2.20% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Citi’s strongest product is its Citi® Accelerate Savings. You can earn a high interest rate if you deposit at least $1.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
12. Consumers Credit Union
Consumers Credit Union Free Rewards Checking Account
Annual Percentage Yield (APY)
0.01% to 5% APY
Minimum Deposit Amount
$5
Consumers Credit Union Free Rewards Checking Account
Annual Percentage Yield (APY)
0.01% to 5% APY
Minimum Deposit Amount
$5
On Consumers Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.01% to 5% APY
Minimum Deposit Amount
$5
Pros & Cons
Highlights
Additional Reading
Standout feature: Consumers Credit Union has a strong rewards checking account. You can earn a high interest rate if you meet the requirements.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
Delta Community Credit Union Certificate of Deposit
Annual Percentage Yield (APY)
0.75% to 1.75% APY
Minimum Deposit Amount
$1,000
Delta Community Credit Union Certificate of Deposit
Annual Percentage Yield (APY)
0.75% to 1.75% APY
Minimum Deposit Amount
$1,000
On Delta Community Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.75% to 1.75% APY
Minimum Deposit Amount
$1,000
Pros & Cons
Highlights
Additional Reading
Standout feature: Delta Community Credit Union’s strongest products are its share certificates. You can get a competitive interest rate. If you need to withdraw money early, its penalties are lower than other institutions.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
14. Discover Bank
Discover Online Savings Account
Annual Percentage Yield (APY)
2.15% APY
Minimum Deposit Amount
$0
Discover Online Savings Account
Annual Percentage Yield (APY)
2.15% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
2.15% APY
Rates as of 9/30/22
Show more
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Discover Bank has a great online savings account. You can earn a high interest rate, and you don’t have to deal with monthly fees.
How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat.
15. Falcon International Bank
Falcon International Bank Regular Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Falcon International Bank Regular Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
On Falcon International Bank’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Pros & Cons
Highlights
Standout feature: Falcon International Bank has a good checking account for Texas residents. With the Falcon International Bank Regular Checking Account, there’s no minimum opening deposit and zero monthly service fees.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
16. FirstBank
FirstBank Anywhere Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
FirstBank Anywhere Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Standout feature: FirstBank has over 100 branches in Arizona, California, and Colorado. Its checking account has a $0 minimum opening deposit and charges zero monthly service fees.
How to contact 24/7 customer support: Customer service representatives are available over the phone.
17. International Bank of Commerce
International Bank of Commerce Free Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
International Bank of Commerce Free Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
On International Bank of Commerce’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
Pros & Cons
Highlights
Standout feature: International Bank of Commerce has a good free checking account. This Hispanic American bank has 186 branches in Texas and Oklahoma.
How to contact 24/7 customer support: Customer service is available over the phone.
18. KeyBank
KeyBank Smart Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
KeyBank Smart Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
Pros & Cons
Highlights
Additional Reading
Standout feature: KeyBank offers a checking account with zero monthly service fees and free overdraft protection.
How to contact 24/7 customer support: Customer service is available over the phone.
Latino Community Credit Union Savings Account
Annual Percentage Yield (APY)
0.15% APY
Minimum Deposit Amount
$10
Latino Community Credit Union Savings Account
Annual Percentage Yield (APY)
0.15% APY
Minimum Deposit Amount
$10
On Latino Community Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.15% APY
Minimum Deposit Amount
$10
Pros & Cons
Highlights
Standout feature: Latino Community Credit Union is a Hispanic American-led credit union in North Carolina with several services geared toward Latinos, including customer support in Spanish and English. The Latino Community Credit Union Savings Account is the credit union’s strongest account with no monthly fees.
How to contact 24/7 customer support: Customer service is available over the phone. You can also send a secure message through online banking.
20. Navy Federal Credit Union
Navy Federal Free Active Duty Checking™ Account
Annual Percentage Yield (APY)
0.05% APY
Minimum Deposit Amount
$0
Navy Federal Free Active Duty Checking™ Account
Annual Percentage Yield (APY)
0.05% APY
Minimum Deposit Amount
$0
On Navy Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.05% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Navy Federal Credit Union has solid account options if you’re affiliated with the military. The Navy Federal Free Active Duty Checking™ Account is one of the bank’s strongest accounts with the option of early direct deposit.
How to contact 24/7 customer support: Customer service is available over the phone.
21. Premier Members Credit Union
Premier Members Credit Union Money Market Account
Annual Percentage Yield (APY)
0.10% to 2.00% APY
Minimum Deposit Amount
$5
Premier Members Credit Union Money Market Account
Annual Percentage Yield (APY)
0.10% to 2.00% APY
Minimum Deposit Amount
$5
On Premier Members Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.10% to 2.00% APY
Minimum Deposit Amount
$5
Pros & Cons
Highlights
Additional Reading
Standout feature: The Premier Members Credit Union Money Market Account is the credit union’s standout product. It pays a high interest rate on low balances.
How to contact 24/7 customer support: Customer service is available over the phone.
22. Regions Bank
Regions LifeGreen® Savings Account
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$5 at a branch, $50 online
Regions LifeGreen® Savings Account
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$5 at a branch, $50 online
On Regions Bank’s website
Deposit Details
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$5 at a branch, $50 online
Pros & Cons
Highlights
Additional Reading
Standout feature: Regions Bank is featured on our best national banks guide. It has about 1,300 branch locations in 15 states and is a good option if you are searching for a bank with a national presence.
How to contact 24/7 customer support: Customer service is available over the phone.
23. River City Federal Credit Union
River City Federal Credit Union Share Certificate
Annual Percentage Yield (APY)
1.75% to 3.00% APY
Minimum Deposit Amount
$500
River City Federal Credit Union Share Certificate
Annual Percentage Yield (APY)
1.75% to 3.00% APY
Minimum Deposit Amount
$500
On River City Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
1.75% to 3.00% APY
Minimum Deposit Amount
$500
Pros & Cons
Highlights
Standout feature: River City Federal Credit Union is a Hispanic American-led institution in Texas. It has share certificates with competitive interest rates and a $500 minimum opening deposit.
How to contact 24/7 customer support: Customer service is available over the phone.
24. State Employees Credit Union
State Employees Credit Union Share Account
Annual Percentage Yield (APY)
0.10% APY
Minimum Deposit Amount
$25
State Employees Credit Union Share Account
Annual Percentage Yield (APY)
0.10% APY
Minimum Deposit Amount
$25
On State Employees Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.10% APY
Minimum Deposit Amount
$25
Pros & Cons
Highlights
Standout feature: State Employees Credit Union has over 273 locations and 1,100 free ATMs in North Carolina. Its checking and savings accounts have low minimum opening deposits and low monthly service fees.
How to contact 24/7 customer support: Customer service is available over the phone.
25. Service Credit Union
Service Everyday Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Service Everyday Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
On Service Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Service Credit Union has solid account options if you’re affiliated with the military and live in New Hampshire or Massachusetts. The Service Everyday Checking Account offers a high interest rate if you meet the requirements.
How to contact 24/7 customer support: Customer service is available over the phone.
26. Security Service Federal Credit Union
Security Service Power Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Security Service Power Checking Account
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
On Security Service Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Standout feature: Security Service Credit Union has solid account options if you’re affiliated with the military and live, work, or study in Colorado, Texas, and Utah. The Security Service Power Checking Account has zero monthly fees.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
27. Synchrony
Synchrony Money Market Account
Annual Percentage Yield (APY)
1.60% APY
Minimum Deposit Amount
$0
Synchrony Money Market Account
Annual Percentage Yield (APY)
1.60% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
1.60% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Additional Reading
Standout feature: Synchrony Bank pays high interest rates on savings and money market accounts.
How to contact 24/7 customer support: Customer service representatives are available via online chat.
28. TD Bank
TD Simple Savings Account
Annual Percentage Yield (APY)
0.02% APY
Minimum Deposit Amount
$0
TD Simple Savings Account
Annual Percentage Yield (APY)
0.02% APY
Minimum Deposit Amount
$0
Deposit Details
Annual Percentage Yield (APY)
0.02% APY
Minimum Deposit Amount
$0
Pros & Cons
Highlights
Standout feature: TD Bank is featured on our best national banks guide. It has over 1,200 branches across 16 states and is a solid option if you’re looking for banks with a national presence.
How to contact 24/7 customer support: Customer service is available over the phone.
29. US Bank
US Bank Standard Savings Account
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$25
US Bank Standard Savings Account
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$25
Deposit Details
Annual Percentage Yield (APY)
0.01% APY
Minimum Deposit Amount
$25
Pros & Cons
Highlights
Additional Reading
Standout feature: US Bank is featured on our best national banks guide. It has over 3,000 branches across 26 states and is a good option if you’re looking for banks with a national presence.
How to contact 24/7 customer support: Customer service is available over the phone.
Frequently asked questions
Customer service varies at different financial institutions. Some of the options on this list have 24/7 customer support over the phone. Others offer support through live chat or email.
We include several different types of banks — online banks, national banks, and local banks — so you can see that there are many options out there. You can explore and compare different institutions with 24/7 customer service until you find the right one.
If you’ve found it challenging to bank during normal business hours in the past, you may want to find a bank that offers 24/7 customer support. That way, you can contact a customer service representative when other banks may be closed — after work hours or during the weekend.
When looking at customer service, it’s also a good idea to learn more about the bank’s history. Our reviews have a section on trustworthiness that includes any public controversies an institution has been involved in within the last three years. We also include ratings from the Better Business Bureau, which looks at how an institution responds to customer complaints.
