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Updated October 21, 2026 · VaultCue Editorial Team

Top savings accounts compared in the United States

513 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

Top savings accounts compared in the United States
OrderAccountScoreFeaturesKey factsActions
1
Airwallex logo
AirwallexTop pickPartner

Limited offer - business rewards with Airwallex AI: Up to HK$68,888

8.6/10
    Headline rate:
    2.18% to 3.83%
    Rate type:
    Variable
    Minimum deposit:
    HK$0
    		ReviewCompareVisit
    2
    Daloop logo
    DaloopPartner
    		8.1/10
      Legal entity:
      Daloop.com
      Headquarters:
      United States
      Support channels:
      Email
      		ReviewCompareVisit
      3
      Novo logo
      NovoPartner

      Novo cashback on eligible purchases: 1% cashback with a Novo checking account balance under $5,000; 2% with a balance of $5,000 or more

      		9.2/10
      • No monthly fee
      • Free ATM
      Minimum deposit:
      $0
      Deposit protection:
      FDIC up to USD 250,000
      Access terms:
      On-demand access, no minimum balance requirement
      		ReviewCompareVisit
      4
      Crew logo
      CrewPartner
      		9.2/10
      • No monthly fee
      • Free ATM
      • Joint account
      Headline rate:
      2.95%
      Rate type:
      Variable
      Minimum deposit:
      $0
      		ReviewCompareVisit
      5
      Acorns Checking logo
      Acorns CheckingPartner

      Acorns Investinall bet match: up to $50

      		9.0/10
      • No monthly fee
      Headline rate:
      2.33%
      Rate type:
      Variable
      Minimum deposit:
      $0
      		ReviewCompareVisit
      6
      Empower Personal Dashboard logo
      Empower Personal DashboardPartner
      		9.0/10
      • No monthly fee
      Headline rate:
      3.5%
      Rate type:
      Variable
      Minimum deposit:
      $0
      		ReviewCompareVisit
      7
      Sendwave logo
      SendwavePartner

      Sendwave Wallet cash back or rewards

      		9.0/10
        Deposit protection:
        FSCS up to GBP 85,000
        Access terms:
        Senders in Belgium, Canada, Germany, Spain, France, UK, Ireland, Italy, Portugal, US; Sendwave Wallet senders from US and UK only
        Account kind:
        Cash management
        		ReviewCompareVisit
        8
        Credit Karma Money logo
        Credit Karma MoneyPartner
        		8.9/10
        • No monthly fee
        Access terms:
        No monthly fees, no minimums, 55,000+ fee-free ATMs
        Monthly fee:
        $0
        Legal entity:
        Credit Karma, Inc.
        		ReviewCompareVisit
        9
        Current logo
        CurrentPartner

        1% cash back on eligible Build Card purchases

        		8.9/10
        • No monthly fee
        • Free ATM
        Headline rate:
        0.25% to 4%
        Rate type:
        Variable
        Minimum deposit:
        $0.010
        		ReviewCompareVisit
        10
        Panda Remit logo
        Panda RemitPartner

        Zero transfer fee and better exchange rate for first-time customers: Zero transfer fees for the first transfer

        		8.3/10
          Deposit protection:
          FDIC up to USD 250,000
          Access terms:
          On demand, 24/7; exchange rate can be locked for 24 hours
          Legal entity:
          Wotransfer PTE. LTD.
          		ReviewCompareVisit

          Licensed in the United States

          Novo
          FDIC
          Acorns Checking
          FDIC
          Empower Personal Dashboard
          Securities and Exchange Commission (registered investment adviser, Empower Advisory Group, LLC)
          Sendwave
          New York State Department of Financial Services
          Current
          NMLS
          Panda Remit
          Financial Crimes Enforcement Network (FinCEN)
          Bank of America
          FDIC
          Goldman Sachs
          Federal Deposit Insurance Corporation (FDIC)
          Navy Federal Credit Union
          National Credit Union Administration (NCUA)
          Navy Federal Credit Union
          NMLS
          Ria Money Transfer
          NMLS
          Capital One
          FDIC
          First National Bank of Omaha
          FDIC
          Dave
          Nationwide Multistate Licensing System (NMLS)
          Klarna Bank
          California Financing Law
          Oriental Bank
          FDIC
          Newtek Bank
          FDIC
          USAA
          FDIC
          Barclays US
          FDIC
          CIT Bank
          Federal Deposit Insurance Corporation (FDIC)

          Other rankings

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          Other countries

          Airwallex

          Airwallex

          Top pick for the United States

          8.6/10Visit