Online Banking

Online Banking Solutions of the Future

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The information contained in FinSpot.guide should not be conceived as legal, financial or investment advice nor as an endorsement of any of the products or services referenced in FinSpot.guide. As disclosed in the Terms and Conditions all information on FinSpot.guide is subject to change. FinSpot.guide does not contain an exhaustive list of all lending or insurance partners in each category.

FinSpot researches the best financial options available in the US today so that you don’t have to! Our team of dedicated researchers scour the internet to give you the advice and assistance you need to make an informed decision. The following list of modern online banking platforms have been reviewed by our editors and meet FinSpot standards for coverage and reliability. From user-friendly interfaces to advanced features, make an informed choice for your financial future and money needs today.

Find Your Match

Last Updated:
December 2024

Our rating system - FinSpot Star Ratings are based on editor research and expertise. Please do your own research before making any financial decisions.

Top Choice 2023
1
9.7
FinSpot Rating
Maximize your rewards with direct deposit
  • No monthly fees and no overdraft fees
  • Up to 2% cash-back on everyday purchases
  • Earn up to 5.07% APY by adding Performance Savings account
2
9.5
FinSpot Rating
Banking at your Convenience
  • 40,000 fee-free ATMs
  • Contactless pay and money when you need it
  • Bank anytime, anywhere!
3
9.2
FinSpot Rating
Open a Nationwide® My Checking bank account!
  • Banking services provided by Axos Bank
  • No monthly maintenance fees and $100 account open reward
  • Receive your paycheck up to two days early!
4
9.1
FinSpot Rating
Build your money future
  • Banking that builds your credit
  • Earn up to 4.00% APY on your savings
  • Buy and sell crypto without any trading fees
5
8.8
FinSpot Rating
Acorns helps you save and invest
  • Invest spare change
  • Invest while you bank
  • Earn Bonus Investments
6
8.4
FinSpot Rating
Smart financial decisions start here.
  • Compare modern online banking solutions
  • Advice on what type of policy is best for you
  • Find Your Match Today
7
8.2
FinSpot Rating
Money stress? Cleo’s got you.
  • Sign-up for the Credit Builder VISA card
  • Get up to $250 with no interest or credit checks
  • Use our industry first AI-powered budgeting app

Our Methodology: How we found the top modern online banking platforms

Research. Research. More research. It’s really that simple. Our dedicated team of online experts scour the internet every single day to find the best options available for our audience. We want to help save you money, and we want the process of saving to be easy for you to complete. The recommendations we provide are selected based on the following criteria; reliable service, ease of application, and trusted source. FinSpot wants you to be able to select the best option for you, and then move on with your life to focus on the things that matter, like family, friends, and a healthy life. Take a look at the following list and do your own research as well. We’re confident you’ll be satisfied with our selections.

Our Top Recommended Online Banking Platforms
1
Upgrade
Maximize your rewards with direct deposit
  • No monthly fees and no overdraft fees
  • Up to 2% cash-back on everyday purchases
  • Earn up to 5.07% APY by adding Performance Savings account

Up to 2% cash back on common everyday expenses like; convenience & drug stores, gas stations, monthly subscriptions, restaurants, utilities, and phone plans.

Add a Performance Savings account and reach your goals faster! Earn 5.07% Annual Percentage Yield (APY) with an active account and monthly $1,000 direct deposit, or 1.50% APY. No minimum balance, no monthly fees, transfers between accounts.

Why we chose Upgrade: Upgrade helps you make smart financial decisions to help you reach your goals. Like buying a new bike. Fixing the roof. Or finally paying off that fancy fridge. All without getting trapped by endless revolving credit card debt, or sidetracked by sneaky banking fees. That’s because they believe credit should be affordable and responsible. So, they design all their credit, mobile banking and payment products to do three things; Give you responsible options, keep you on track, and reward you along the way.

2
Fifth Third Bank
Banking at your Convenience
  • 40,000 fee-free ATMs
  • Contactless pay and money when you need it
  • Bank anytime, anywhere!

Fifth Third Momentum® Banking makes your everyday better with 40,000 Fee-Free ATMs, contactless pay, and money when you need it. Get a free, no minimum balance checking account that gets you.

Fifth Third Momentum® Checking lets you live your life, while getting more from it, every day.

Benefits you can bank on:

  • NO hidden fees and NO minimum balance
  • Extra Time® to avoid overdraft fees
  • Peace of mind with fraud protection
  • Access to your eligible payroll direct deposits up to 2 days early with free Early Pay
  • Immediate Funds to instantly access your check deposit (fees apply)
  • Help from local bankers at every step

Why we chose Fifth Third Bank: With a Fifth Third Momentum® free checking account, they mean no in the best possible way—with no minimum balance requirement, no minimum deposit, and no monthly maintenance fees. That means you can say "Yes" to even more in life!

3
Axos Bank
Open a Nationwide® My Checking bank account!
  • Banking services provided by Axos Bank
  • No monthly maintenance fees and $100 account open reward
  • Receive your paycheck up to two days early!

Online Banking benefits with Nationwide® My Checking bank account provided by Axos;

  • Free Mobile Deposit - No more time-consuming visits to the bank. Now, you can deposit checks any place and at any time. All you need is a computer or mobile device.
  • Online Bill Pay - No more missed payments - with Online Bill Pay, you can set up single or recurring payments directly from your online banking dashboard.
  • Mobile Banking - Download our mobile app to manage your funds on the go. The Axos Bank for Nationwide mobile app is available for both iPhone and Android devices.
  • No-Hassle Switch Kit - Do you need help switching from your current bank? Not a problem. We created a simple step-by-step list to make the process easy and stress-free.

Axos Bank specializes in convenience and a personalized customer experience. As one of the first banks to offer banking services exclusively online, we focus on providing superior service and a diverse range of innovative banking products.

Why we chose Axos Bank: Their partnership with Nationwide is built on a foundation of common values and goals. They closely align in their mission of building a secure financial future for people looking for convenient online banking. A customer-centric approach to doing business where the priority is the customer and meeting their needs is central to both of these organizations.

4
Current
Build your money future
  • Banking that builds your credit
  • Earn up to 4.00% APY on your savings
  • Buy and sell crypto without any trading fees

We were founded in 2015 to be the future of banking. Which isn’t actually a bank, but a financial technology company. One built for everyday Americans held back by a banking system that wasn’t designed for them. At Current, we’re building the products, tools, and knowledge to help our members make the most of what they have to create better futures for themselves. The world is changing, and we believe it’s time the financial system did too.

At Current, everyone plays an important role. We believe big ideas can come from anywhere. We keep open minds. We innovate. We create. We’re social. We encourage feedback and every win is celebrated, big or small. We’re a data-driven team of engineers, marketers, product managers, customer service experts, data analysts and so much more. But above all, we’re a group of people dedicated to our mission and being a part of building something meaningful.

Why we chose Current: Current helps you boost your savings, without the fees. No monthly fees. No minimum balance fees. No in-network ATM fees. No bank transfer fees. With over 4 million members, Current is building the future of banking.

5
Acorns
Acorns helps you save and invest
  • Invest spare change
  • Invest while you bank
  • Earn Bonus Investments

Visit our website and check out our compound interest calculator to see just how much the power of time and compound interest can help your money grow.

Automatically save and invest with Round-Ups® feature. Every purchase you make means an opportunity to invest your spare change! So coffee for $3.25 becomes a $0.75 investment in your future.

Expert-built portfolios, suggested for you. Acorns diversified portfolios are built by experts and include ETFs managed by pros at the world’s top investment firms like Vanguard and BlackRock.

Why we chose Acorns: Along with your investment account, you get an easy, automated retirement account, banking that saves and invests for you, bonus investments when you shop with thousands of brands and unique ways to grow your knowledge. Also, Acorns Invest, Later & Early accounts are SIPC-protected up to $500,000!

6
SuperMoney
Smart financial decisions start here.
  • Compare auto insurance providers from across the US
  • Advice on what type of policy is best for you
  • Find Your Match Today

You wouldn't book a flight without comparing options, would you? Why should shopping for financial services be any different? SuperMoney makes financial comparison shopping easy. Compare rates, terms, and features on thousands of financial products and services in one place.

Our AI compiles and compares the pros, cons, and key takeaways to bring you a list of top products in various financial categories.

Why we chose SuperMoney: They boast over 8.5 billion financing requests processed. They know what they’re doing. In 2021, 2022, & 2023, SuperMoney earned a spot on Inc. Magazine's prestigious list of Fastest-Growing Private Companies in the United States. In 2022, SuperMoney was also named in Deloitte's Technology Fast 500 list of fastest growing technology companies in North America.

7
Cleo
Money stress? Cleo’s got you.
  • Sign-up for the Credit Builder VISA card
  • Get up to $250 with no interest or credit checks
  • Use our industry first AI-powered budgeting app

Cleo’s the world's first AI assistant dedicated to personal finance. She's got one purpose, to get you living beyond the next paycheck. We believe in a world where money isn’t the number one source of stress. And we think everyone having an AI financial assistant is the best way to make that happen.

Building your emergency fund has never been easier. With Autosave, Cleo can automatically stash small amounts each week. Your savings… but on autopilot. Saving for your dream vacation? Create your custom savings goal, enter the amount you’d like to save and set your target date. Choose from Set & Forget, Swear Jar, Autosave, or Round up—where Cleo rounds up spends to the nearest dollar and puts the difference into savings.

Why we chose Cleo: Click here to read the reviews on Cleo’s site. We think they speak for themselves.

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