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Best High-Yield Savings Account With No Monthly Fees 2026

Requires a linked brokerage account (though it’s free and you don’t have to use it if you don’t want to). Depending on the category, these included account fees and rates (such as annual percentage yields), ATM and branch access, account features, account bonuses, customer service access and user-facing technology, such as innovative tools and mobile apps. Each provider is evaluated across five weighted categories and 30 subcategories, including checking and savings accounts, certificates of deposit, customer experience, and overdraft services. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more. If you’re looking for the best overall online banks for other products besides just checking accounts, take a look at NerdWallet’s picks for the best online banks.
Users have to open an Alliant Ultimate Opportunity Savings Account and deposit at least $100 per month for 12 months. Clearview Federal Credit Union is known as “Pittsburgh’s largest credit union,” and if you’re a new member, you can be eligible to receive $412 when you open a new account. SkyOne has a unique referral program that’s equally easy to participate in. SkyOne Federal Credit Union, headquartered in Hawthorne, California, is a federally insured credit union that’s easy for anyone to join. With more than 1 million users and $6 billion in assets, M1 could be worth considering if you are just getting started investing or looking for an easy-to-use, no-fee investment account. Here are the best online banks with immediate sign-up bonuses and no direct deposit requirements.

• This is very easy if you live in an area with different banks on every corner, and you have a generous emergency fund.
• Next time you’re wondering what banks give you money for opening an account without direct deposit, check this list.
• Users have to open an Alliant Ultimate Opportunity Savings Account and deposit at least $100 per month for 12 months.
• The $400 bonus on a $20,000 deposit works out to about a 2% return on top of the promotional rate, which stacks nicely for the first six months.
• Suffolk Credit Union has no minimum balance requirements and no monthly fees.
• The Bask Mileage Savings signup offer requires you to deposit and maintain a minimum balance in order to earn the 20,000 bonus miles.

Some accounts with no monthly fees, whether checking or savings, are typically offered by online banks that don’t charge monthly service fees, but they may not be entirely without costs. Credit unions may offer checking accounts with no monthly fees that don’t have some of these downsides, for example, by having physical branches. Checking accounts with no monthly fees may have certain limitations, such as offering lower interest rates or providing fewer fee-free ATM withdrawals compared to premium accounts. Make the minimum opening deposit of $10 and a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening.

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• The products on our list offer annual percentage yields of up to 4.15%.
• That’s not always possible if you’re living paycheck to paycheck.
• Rates are subject to change; unless otherwise noted, rates are updated periodically.
• It’s recommended to read the broker’s terms and conditions and seek clarification from a trading broker or customer support to avoid unexpected charges.
• Cryptocurrency availability with easyMarkets is subject to regulation.
• The account has no monthly fees, and the bonus is paid quickly once requirements are met.

This allows you to transfer funds quickly and easily between the two accounts and helps you avoid the processing time of a wire transfer from another account. Though you typically sacrifice high annual percentage yield (APY) for this level of accessibility, some of the accounts on this list break that norm. APYs are subject to change at any time without notice. Rates are variable, subject to change. The good news is that online banks are shaking things up with high-yield savings accounts that earn 10x the national average APY, have no hidden fees, and are easy-to-use digital platforms.
You must make 10 qualifying transactions in 60 days to earn the bonus. If you’re looking for a checking account with no minimum opening deposit requirement, check out the Chase Secure Banking account, which frequently offers sign-up promotions. We’ve tracked down some of the best bank account bonuses with no direct deposit requirements. You’ve probably seen these sign-up bonuses and new customer offers advertised countless times for checking and savings accounts.

SoFi Checking and Savings

So if you prefer to do your banking with no monthly fees too, these accounts stand out not only for having no monthly service fees but also for offering more perks and convenience than the average bank account. The best checking accounts will always be checking accounts with no monthly fees if you ask us. Then close the old account in writing (not just by stopping use — a zero-balance fee account can still accrue monthly fees and overdraft charges). A person paying the average monthly fee, one overdraft per quarter, and weekly out-of-network ATM use pays approximately $425 per year in avoidable fees.

Are there any specific account types or trading conditions required to access zero fees on deposit and withdrawal?

The bonus is paid about 60 days later, and the account includes a competitive APY, no monthly fees, and online access. Fortunately, it’s usually possible to avoid these fees under normal circumstances. The Ally Spending Account is an FDIC-insured checking account with no monthly fees or minimum balance requirements. These accounts have no monthly fees and earn high NerdWallet star ratings for their features, like broad fee-free ATM access and strong overdraft policies.

Every monthly fee you pay is money that could be earning interest or funding your next business venture. Inactive account kickback fees kick in after 6-12 months of no activity. Chime and SoFi have no minimum opening deposits and simple online applications.
However, it’s worth noting that it doesn’t offer many valuable features or benefits and it’s not an interest-bearing checking account. This account has an extremely generous annual percentage yield (APY), whether your balance is $100 or $100,000. SoFi® offers a high-yield checking and savings account with no fees and impressive APYs, and there’s no minimum balance to earn the maximum rates. If you’re looking to open a new savings or checking account with no minimum initial deposit and no ongoing minimum balance requirements, you’re in luck. If you’re searching for free checking accounts, here are answers to common questions.
I’m on a fixed income — can I avoid overdraft fees if my balance sometimes gets low? The first month with no monthly fee is effectively a free month of banking — and every month after that. I’m paying a monthly fee right now and want to stop — what’s the fastest fix? Every account below has no monthly fee and no minimum balance requirement. Some accounts call themselves “free” but still charge a monthly fee unless you keep $500 or set up direct deposit — that is a conditional fee waiver, not a free account. A checking account is genuinely free only when it charges no monthly maintenance or service fee and requires no minimum balance to avoid that fee.