The Top Ranked National Banks Of 2019
When it comes to banks, we need to do a good amount of research to find out which is closer to home, which bank gives a big amount of interest, and which one offers sign-up bonuses as well. All these should play a big role when you choose which bank to go for. As of 2019, these are the best national banks to keep your money safe and help them grow. Here is our list for you:
The sign-up bonus offered by Chase Bank is incomparable with other banks, and it makes it one of the best banks around. The bank has a $200 bonus for a checking account and a $150 bonus for a savings account. There are also regular promotions that benefit customers. You can avoid fees by keeping a minimum amount of balance across all your Chase accounts and also by using direct deposits. Monthly charges can accumulate to a big amount over a period of time. If you can avoid them, you will be saving a lot. APYs are also a lot less for savings accounts. Chase also has a large network and several ATMs and branches make it more accessible for everyone. However, it is their customer service that has won them customers. With 5000 locations all across the USA, Chase can offer accounts to everyone whether it is for checking, savings, investment, or mortgage.
Bank Of America
With over 4500 branches across the country, Bank Of America enjoys great coverage. There must be one close to your home, too. Their customer care service is their strongest point. They are available on phone from 8 AM to 11 PM on weekdays and 8 AM to 8 PM on weekends. This is great for people who cannot make calls during office hours. Often, when we do have time to call, a bank’s customer service hotline hours are over. Thankfully, Bank Of America has this covered. Reaching out to them through Twitter or chat is also possible and they are quick to reply. Mobile banking is easy and safe to use. There are settings that can help in case of suspicious card activities or insufficient funds.
Discover is an online bank and has made it to the list mainly because of its 60,000 fee-free ATMs across the country. The checking and savings account also has great features. The bank offers some well-known line of credit cards. The checking account has no fee and offers 1% cashback if you purchase $3000 or more in a month with the account’s debit card. On the downside, like other online banks, a cash deposit is not possible and also their debit card is not widely accepted unlike Master or Visa cards. However, the perks and benefits are many. Oh, did you know your first overdraft per year will be waived and they have free checks on your checking account, too?
Ally is an online-only banking service that has amazing customer reviews due to its great service. Their online checking account has almost zero fees and even pays interest. Customers can also enjoy a number of features in their checking accounts. As for their savings accounts, the interest rates are comparable with the best banks in the country. Apart from a seamless online banking experience, the customers get a $10 refund for ATM fees for other banks. Transfers are quick, and there is always a customer service representative to help in case you need some assistance. However, if you need to deposit cash on a regular basis, this bank might not be a great fit for you. For example, if you are in a job that pays you lots of tips and you need to keep them in the bank regularly, you might want to look for another bank. However, with best interest rates and low fees, Ally is definitely one of the best banks in the country.
Flexible rules, non-existent fees, and a huge network make Capital One one of the best banks in the country. Their 360 checkings and 360 savings account have no fees at all. You don’t even have to keep a minimum amount in those accounts. Though they have about 39,000 ATMs all over the country, they do not have as many branches. However, most things can be handled online and issues can be resolved via customer care. They have some great features and options for overdraft which lets you choose from 4 options. Credit cards and loans are also easily available.
Choosing the right bank might be a daunting task if you are moving or starting fresh, but this list can help you find the one that suits you best!
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