Updated October 21, 2026 · VaultCue Editorial Team
Top online banks compared in the United States
69 accounts available in the United States, ranked for the United States.
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank
| Order | Account | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 |  CrewTop pickPartner | 9.2/10 |
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| ReviewCompareVisit |
| 2 |  CurrentPartner 1% cash back on eligible Build Card purchases | 8.9/10 |
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| ReviewCompareVisit |
| 3 |  Quontic BankPartner Quontic Bank is a US bank at quontic.com offering online banking accounts. | 8.0/10 |
| ReviewCompareVisit | |
| 4 |  StatrysPartner Your account pays you back: HKD 188 per month | 9.4/10 |
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| ReviewCompareSee alternatives |
| 5 |  DavePartner | 9.3/10 |
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| ReviewCompareSee alternatives |
| 6 |  Klarna BankPartner 30% off Klarna Premium or Max for 3 months: 30% off for 3 months | 9.3/10 |
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| ReviewCompareSee alternatives |
| 7 |  Mashreq BankPartner Salary transfer joining cashback: AED 2,500 | 9.3/10 |
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| ReviewCompareSee alternatives |
| 8 |  MyMontyPartner | 9.3/10 |
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| ReviewCompareSee alternatives |
| 9 |  RelayPartner 14-day free trial on Grow and Scale plans: 14 days | 9.3/10 |
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| ReviewCompareSee alternatives |
| 10 |  Zynlo BankPartner ZYNG Round Up and Match: 100% match of debit card roundups | 9.3/10 |
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| ReviewCompareSee alternatives |
Licensed in the United States
- Current
- NMLS
- Dave
- Nationwide Multistate Licensing System (NMLS)
- Klarna Bank
- California Financing Law
- Relay
- FDIC
- Zynlo Bank
- FDIC
- Grasshopper Bank
- Federal Deposit Insurance Corporation (FDIC)
- Grasshopper Bank
- FDIC
- Rocket Money
- FDIC
- Varo Visa® Debit Card
- Office of the Comptroller of the Currency (OCC)
- Varo Visa® Debit Card
- FDIC
- Ally Bank
- FDIC
- NorthOne
- FDIC (banking services provided by Thread Bank, Member FDIC)
- UFB Direct
- FDIC
- Axos Bank
- FDIC
- Grey
- FinCEN
- Nubank
- Office of the Comptroller of the Currency (OCC), conditional approval for national banking charter
- Airtm
- FinCEN (Financial Crimes Enforcement Network)
- Varo Bank
- Office of the Comptroller of the Currency (OCC)
- Varo Bank
- Federal Deposit Insurance Corporation (FDIC)
- Varo Bank
- FDIC
Other rankings
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- Current and checking accounts in the United States
- Savings accounts in the United States
- High-yield savings accounts in the United States
- Cash management accounts in the United States
- Business bank accounts in the United States
- Accounts for freelancers in the United States
- Money transfer services in the United States
- Multi-currency accounts in the United States
- Student, teen and kids accounts in the United States
- Fixed-rate bonds and CDs in the United States