online checking account with virtual debit card

Here’s the weighting assigned to each category: We ranked each bank on 12 data points within the categories of product offerings, APY, fees, ATM network, customer experience, digital experience and minimum requirements. To create this list, Forbes Advisor analyzed the products and services of 60 online banks, including a mix of large and small online banks and neobanks. Read our full Capital One 360 Bank Review. Physical locations aren’t something you’ll find with most online banks. If you can’t find a Café near you, Capital One also offers full-service branches in some states. Cafés offer certified money coaches, money workshops and assistance with opening and managing Capital One accounts. And Eno, the bank’s virtual assistant, is available in the mobile app or by text.Īt Capital One Cafés, you can get personal support in a coffee-shop atmosphere. You can access your accounts at any time from anywhere online or via the bank’s highly rated mobile app. None of the bank’s products require a minimum deposit or minimum balance. None of Capital One’s banking products require a minimum deposit or minimum balance.Ĭapital One 360 makes it easy to open and maintain your accounts-whether it’s a savings account, checking account or CD. In addition to 24/7 digital banking and live customer service seven days a week, Capital One offers full-service branches in some states, along with Capital One Cafés. We chose Capital One 360 as a top pick for the best online banks because it’s a unique hybrid of a no-monthly-fee online bank and a brick-and-mortar bank. You can also get your questions answered via live chat, email and regular mail.Īlly’s mobile app, available on iOS and Android, gets high scores in the App Store and Google Play. And the bank’s “surprise savings” feature analyzes your Ally checking account for money that’s safe to save and transfers it to your savings account automatically.Īlly Bank earns high customer satisfaction scores, with customer service available 24/7 by phone. The bank also has a “round ups” feature that transfers the spare change from your transactions into your savings account. With Ally’s savings account, you can create “buckets” that allow you to set 10 different savings goals within a single account. It has an extensive ATM network and reimburses up to $10 per statement cycle for fees charged at out-of-network ATMs.Īlly customers also get access to the bank’s savings tools. As a full-service online bank, Ally offers an array of high-APY, low-fee checking and savings products. We chose Ally as one of the best online banks for its competitive rates, low minimum deposit requirements, unique online savings tools and lack of monthly maintenance fees.

Online checking account with virtual debit card