Updated October 21, 2026 · SumCue Editorial Team

Top savings accounts and deposits compared in the United States

516 providers available in the United States, ranked for the United States.

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Top savings accounts and deposits compared in the United States
OrderProviderScoreFeaturesKey factsActions
1
Airwallex logo
AirwallexTop pickPartner
9.0/10
  • Business
  • Travel
Headline rate:
2.18% to 3.83%
Rate type:
Variable
Minimum deposit:
HK$0
ReviewCompareVisit
2
Empower Personal Dashboard logo
Empower Personal DashboardPartner
9.3/10
  • Low fees
Headline rate:
3.5%
Rate type:
Variable
Minimum deposit:
$0
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
  • Business
Minimum deposit:
$0
Deposit protection:
FDIC up to USD 250,000
Access terms:
On-demand access, no minimum balance requirement
ReviewCompareVisit
4
Cheers Financial logo
Cheers FinancialPartner
9.2/10
  • Fixed rate
Headline rate:
12.15% to 15%
Rate type:
Fixed
Term:
24 months
ReviewCompareVisit
5
Current logo
CurrentPartner
9.0/10
  • No annual fee
Headline rate:
0.25% to 4%
Rate type:
Variable
Minimum deposit:
$0.010
ReviewCompareVisit
6
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
    7
    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
    8
    Panda Remit logo
    Panda RemitPartner

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

    8.4/10
    • Fixed rate
    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
    9
    Afranga logo
    AfrangaPartner
    8.8/10
    • Low fees
    Headline rate:
    8% to 10%
    Rate type:
    Fixed
    Term:
    3 to 12 months
    ReviewCompareVisit
    10
    Monefit logo
    MonefitPartner

    Monefit offers SmartSaver, a savings product with daily returns and the flexibility to withdraw at any time, alongside a credit product.

    8.0/10
      ReviewCompareVisit

      Licensed in the United States

      Novo
      FDIC
      Sendwave
      New York State Department of Financial Services
      Panda Remit
      Financial Crimes Enforcement Network (FinCEN)
      Revolut UK
      SIPC
      Betterment
      U.S. Securities and Exchange Commission (SEC) - registered investment adviser
      Betterment
      Financial Industry Regulatory Authority (FINRA) - Betterment Securities broker-dealer member
      Betterment
      SIPC
      Ally Bank
      SEC
      Ally Bank
      FINRA
      Ally Bank
      FDIC
      Discover
      Federal Deposit Insurance Corporation (FDIC)
      One (One Finance)
      NMLS (US state money transmitter licensing)
      One (One Finance)
      California Department of Financial Protection and Innovation (Financing Law License)
      AffinityPlus Credit Union
      National Credit Union Administration (NCUA)
      Bread Savings
      FDIC
      Ria Money Transfer
      NMLS
      U.S. Bank
      FDIC
      Dave
      NMLS (Nationwide Multistate Licensing System)
      Dave
      State of California (Debt Collection License)
      Dave
      Office of Consumer Credit Commissioner (OCCC), Texas

      Other rankings

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      Other countries

      Airwallex

      Airwallex

      Top pick for the United States

      9.0/10Visit