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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.
Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
Earn a cash bonus of $100 and Alliant will donate an additional $100 to the Alzheimer’s Association, American Cancer Society, or Easterseals; To qualify you meet the following requirements: 1) Open the High-Rate Checking account by October 7, 2022, with a minimum opening deposit of at least $100; 2) Sign up for online statements, make at least one electronic deposit per month, and maintain a $100 account balance through the end of February 2023
80,000+ free ATMs
Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.
Interest compounded monthly
Federally insured by the NCUA
Additional Reading
Read our review
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.
To earn interest, make 10 monthly debit card transactions, AND enroll in e-statements, AND do one of the following each month: receive a direct deposit, use online bill pay, or make an ACH deposit or withdrawal
If you meet these criteria, earn 1.00% to 2.00% APY on balances up to $15,000, and 0.05% on balances over $15,000
Earn 1.00% as a silver member, 1.50% as a gold member, and 2.00% as a sapphire member
Membership levels depend on your number of Blue FCU products, balances in accounts and loans, and number of years with Blue FCU
Interest compounded and paid monthly
Federally insured by the NCUA
Additional Reading
Read our review
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.
Over 470 branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
Read our review
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
On Charles Schwab Bank’s website
Deposit Details
Annual Percentage Yield (APY)
0.40% APY
Minimum Deposit Amount
$0
Pros & Cons
No opening deposit
No minimum account balance
Unlimited out-of-network ATM reimbursements
No foreign transaction fees
Free overdraft protection
Must also open a Schwab One brokerage account
$25 overdraft fee if you don’t enroll in protection
Highlights
24/7 live online chat
No ATM network, but unlimited ATM fee reimbursements
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
Read our review
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.
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
No minimum opening deposit
Relatively easy to waive $5 monthly fee
Link to a Chase checking account for free overdraft protection
Low APY
Interest compounded monthly, not daily
$5 monthly service fee
Highlights
Access to 16,000 Chase ATMs and over 4,700 branches
Link this account to your Chase checking account for Overdraft Protection
Waive $5 monthly service when you maintain a $300 balance, automatically transfer $25 each month from your Chase checking account, link to Chase College Checking for Overdraft Protection, link to a qualifying Chase checking account, or are under age 18
Manage your accounts, deposit checks, transfer money and more — all from your device
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com
Member FDIC
Additional Reading
Read our review
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
Competitive APY
No minimum opening deposit
No monthly service fee
Option to round debit card purchases to the nearest dollar and put spare change in savings account
Option to automatically save a percentage of your paycheck
Must open Chime Spending Account before savings account
Deposit cash at Green Dot locations, which may charge fee
Highlights
Round debit card purchases to the nearest dollar to put spare change into savings account
Set up a percentage of your paychecks to be put into savings account
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Additional Reading
Read our review
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.
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.
You may pay a monthly fee, depending on a variety of factors
Other fees depend on which checking account you link to your savings account
Not available in certain states
BBB gives Citi an F in trustworthiness
Highlights
Monthly fee depends on whether you link to a Citi checking account, and which checking account you choose
You may qualify to have the monthly fee waived, depending on which checking/savings package you have
No opening deposit
Compounding interest to maximize your savings
Not available in CA, CT, IL, MD, NV, NJ, NY, VA, DC, certain parts of FL, and Puerto Rico
Additional Reading
Read our review
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
On Consumers Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.01% to 5% APY
Minimum Deposit Amount
$5
Pros & Cons
High APY
$5 minimum opening deposit
No monthly service fee
Early direct deposit
Unlimited reimbursements for out-of-network ATM fees
$10 overdraft transfer charge
Limited customer support availability
Interest compounds monthly, not daily
Highlights
To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5
14 open branches in Chicago, Illinois, and nearby cities
Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network
Earn 3% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits
Earn 4% on balances up to $10k when you meet qualifications for 3% and spend $500/month with your CCU credit card
Earn 5% on balances up to $10k when you meet qualifications for 3% and spend $1,000/month with your CCU credit card
Earn 0.20% APY on balances between $10k and $25k
Earn 0.10% APY on balances over $25k
If you don’t meet the requirements to earn a rewards interest rate, you’ll earn 0.01% APY and you won’t get ATM refunds
Interest compounded and deposited monthly
Federally insured by the NCUA
Additional Reading
Read our review
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
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
Competitive APY
Low-to-standard early withdrawal penalties
$1,000 opening deposit
Interest compounded monthly, not daily
Highlights
Credit union with 27 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
Term lengths of 6, 12, 24, 36, or 60 months
Early withdrawal penalties ranging from 60 to 270 days interest
Interest is compounded monthly and paid monthly
Additional Reading
Read our review
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
Competitive APY
No monthly service fee
No opening deposit
No insufficient funds fee
No excess withdrawal fee
Only 1 branch location
No debit card unless you open a checking account
Highlights
No monthly balance requirements
100% US-based customer service available 24/7
No hidden fees
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
Read our review
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
On Falcon International Bank’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$100
Pros & Cons
No monthly service fee
MasterCard debit card offering
$100 minimum opening deposit
$35 overdraft fee
$5 fee for paper statements
$4 transaction fee for out-of-network ATMs
$5 fee if you don’t use your account after 90 days
Highlights
Hispanic American-owned
22 ATM locations, $4 transaction fee for out-of-network ATMs
With overdraft protection there is a $35 charge
18 branches in Texas
Member FDIC
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
No minimum opening deposit
No monthly service fees
Overdraft protection available
$2.50 out-of-network ATM fee
$34 overdraft fee
$20/year or $10/day overdraft transfer fee
Highlights
Access to over 100 locations and 200 ATMs in AZ, CA, CO
Overdraft protection plans that lets you link your checking account to a savings account
If you utilize overdraft protection, there’s either a $20/year or $10/day transfer fee
Member FDIC
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
On International Bank of Commerce’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$10
Pros & Cons
Low minimum opening deposit
No monthly service fees
Unlimited check writing
Overdraft protection
$35 overdraft fee
$2 out-of-network transaction fee
Highlights
Hispanic American-led bank
186 branches throughout Texas and Oklahoma
Over 280 free ATMs
$2 fee on each out-of-network ATM transaction
Member FDIC
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
No minimum balance
No monthly service fees
Free overdraft protection
Account alerts to avoid overdrawing
$10 minimum opening deposit
$3 out-of-network ATM fee
$20 overdraft fee
Highlights
Over 900 branches in 16 states across the US
Over 50,000 free ATMs through the KeyBank and Allpoint ATM networks
To avoid overdraft fees, you may link your checking account to a savings account or get a a line of credit
Key Cover Zone allows you to overdraw up to $20 from your account and you won’t be charged overdraft fees as long as you restore your account balance by the end of the day
Member FDIC
Additional Reading
Read our review
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
On Latino Community Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.15% APY
Minimum Deposit Amount
$10
Pros & Cons
$10 minimum opening deposit
Competitive APY compared to brick-and-mortar banks
Easy to waive the monthly service fee
$2 monthly service fee
$10 needed in account daily
Highlights
Credit union that serves a Hispanic American community
15 branches in North Carolina (Charlotte, Piedmont Triad, Triangle)
To become a member, you will need to pay a $10 membership fee
Access to over 1,300 free Cashpoints ATMs throughout North Carolina
To earn APY, keep at least $10 in your account daily
To waive the monthly service fee, keep at least $10 in your account daily
Interest compounded daily, deposited monthly
Federally insured by the NCUA
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
On Navy Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.05% APY
Minimum Deposit Amount
$0
Pros & Cons
No minimum opening deposit
Refunds up to $20 per month in out-of-network ATM fees
Receive direct deposits one day before payday
No monthly service fee if you set up military direct deposits
Free personalized checks
3 overdraft protection options: savings transfer, line of credit, or optional overdraft protection service
Interest compounded monthly, not daily
Free Active Duty Checking is only for active military, retired military, or reservists
Highlights
Available to active military, retired military, or reservists
Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
247 branches worldwide, including on select military bases
30,000 free ATMs
Interest compounded monthly, paid monthly
Federally insured by the NCUA
Additional Reading
Read our review
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
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
Competitive interest rates for low balances
$5 opening deposit
Paper checks
No monthly service fee
Less competitive interest rates for high balances
Interest compounds monthly, not daily
No debit or ATM card
Highlights
13 branches in Colorado, or open an account online from around the US
Over 5,000 shared branches in the US
There are many ways to become a member if you live in Colorado, or join Impact on Education if you don’t otherwise qualify
Reverse-tiered account, with 7 tiers
Earn high rates on balances under $10,000, with highest rates under $2,000
Interest compounded monthly, paid monthly
Federally insured by the NCUA
Additional Reading
Read our review
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.
To earn the 1% annual bonus (up to $100), set up monthly automatic transfers from your Regions checking account to your LifeGreen Savings account
Interested compounded daily, paid monthly
FDIC insured
Additional Reading
Read our review
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
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
$500 minimum opening deposit
Competitive interest rate, especially on long-term share certificates
Standard term options
Standard early withdrawal penalties
Highlights
Credit union that serves a Hispanic American community
4 branches in San Antonio, Texas, plus part of the CO-Op Shared network branches
You can join if you live, work, or go to school in Bexar County
Terms range from 6 months to 5 years
Early withdrawal penalties: 90 days of interest on 6-month and 1-year terms; 180 days of interest on 2-year terms; 1 year of interest on 3-year and 4-year terms; 2 years of interest on 5-year terms
Interest compounded and deposited monthly
Federally insured by the NCUA
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
On State Employees Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
0.10% APY
Minimum Deposit Amount
$25
Pros & Cons
Low minimum opening deposit
No monthly service fees
Better interest rate than some brick-and-mortar banks
Online banks offer a higher interest rate
Must have $25 in account to maintain membership
Highlights
273 branches in North Carolina
Access to 1,100 ATMs in North Carolina
Interest compounded and deposited monthly
Federally insured by the NCUA
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
On Service Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Pros & Cons
No minimum opening deposit
No monthly service fees
No out-of-network ATM fee
Earn up to $30 per month in out-of-network ATM refunds, depending on tier level
Earn up to 0.75% discount on certain loans, depending on tier level
Get paid up to 2 days early
Transfer funds from savings for overdraft protection
No ATM fee refunds or loan discounts for Basic tier
Limited fee refunds and loan discounts for Direct Deposit tier
$5 overdraft transfer fee (no fee for Direct Deposit + tier)
Highlights
Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council
Branches and ATMs in the US and Europe
Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +
Basic doesn’t reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans
Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month
Federally insured by the NCUA
Additional Reading
Read our review
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
On Security Service Federal Credit Union’s website
Deposit Details
Annual Percentage Yield (APY)
None
Minimum Deposit Amount
$0
Pros & Cons
No monthly service fees
No minimum opening deposit
Overdraft protection available as a transfer from savings or as a line of credit
$1.50 out-of-network ATM fee
Doesn’t reimburse fees charged by out-of-network ATM providers
$2 overdraft transfer fee when you exceed 3 transfers per month
Highlights
Join Security Service FCU if you are a member of select military branches at certain military bases; are an employee of the Department of Defense; live, work, worship, study, volunteer, or have a business in CO, TX, or UT; are related to someone who is already a Security Service FCU member
67 branches in CO, TX, and UT; 5,000 shared branches in the CO-OP network
Over 30,000 free ATMs in the Security Service FCU, CO-OP, and Stripes networks
Federally insured by the NCUA
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
No opening deposit or minimum account balance
Competitive APY
No monthly service fee
Comes with an ATM card and paper checks
No physical branch locations
Only reimburses $5/month in out-of-network ATM fees
Highlights
Access your cash online, by phone, or via ATM
No opening deposit or minimum account balance
Comes with a debit card and paper checks
Additional Reading
Read our review
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.
No monthly fee for students, or for adults under age 24 or age 62 or older
No monthly fee for the first 12 months, with recurring monthly deposits of $25
Mobile check deposit
No minimum opening deposit
Low APY
$5 monthly service fee
Highlights
No monthly service fee for students, adults under age 24 or age 62 or older
Waive $5 monthly service fee by maintaining $300 minimum daily balance
No monthly fee for the first 12 months if you make recurring $25 monthly deposits
Interest compounded daily
FDIC insured
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.
Waive $4 monthly service fee by maintaining a $300 daily balance, OR average $1,000 monthly balance, OR being under age 18
Interest compounded daily, paid monthly
FDIC insured
Additional Reading
Read our review
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.
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