All-in-one checking and savings with 4.30% APY. No monthly fees, no minimum balance. Get up to $300 bonus with qualifying direct deposit. Early paycheck access included.
Highest APY available at 4.31% with qualifying direct deposit. Integrated checking and savings in one account. Get paid up to 2 days early with no monthly fees.
Earn 3.75% APY on balances of $5,000+. FDIC-insured with digital convenience. Get a $300 bonus when you deposit $50,000 or more and maintain for 90 days.
Earn 3.75% APY with no monthly fees and no balance tiers. Simple, straightforward savings with 90,000+ fee-free ATMs. FDIC insured up to $250,000.
| Bank | APY | Bonus | Min Balance | Monthly Fee |
|---|---|---|---|---|
| SoFi | 4.30% | $300 | $0 | $0 |
| Axos ONE | 4.31% | — | $0 | $0 |
| CIT Bank | 3.75% | $300 | $5,000 | $0 |
| Quontic | 3.75% | — | $100 | $0 |
We reviewed 50+ savings accounts and ranked by APY, fees, and requirements. No pay-to-play—just the best rates available right now.
Yes. All are FDIC insured up to $250,000 per depositor.
Most transfers take 1-2 business days. Some offer instant transfers.
If you're earning 0.01% at Chase or BofA, yes. These pay 50x more.
Our top pick: SoFi for the $300 bonus + 4.30% APY. Takes 5 minutes to open.
Open a SoFi AccountDisclosure: Gabcast is reader-supported. We may earn a commission when you open an account through our links—at no extra cost to you. APYs accurate as of December 2025 and may change.
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