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Recommended As
Pros and Cons
Sources
Amazon Rating

(average)

Where To Buy
 
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Features
UPC
MPN
Best reviewed account type(s)
Parent bank
Liability protection
Min. balance to open
Special requirements
Monthly fees
Min. balance to avoid fees
Direct deposit required
Branches in U.S.?
Deposit method
Withdrawal method
Withdrawal fees
Transfer between accounts
Transfer between banks
Limit to daily transfer between banks
Estimated transfer time between banks
Checks
Debit cards
Online bill paying
Reimburse ATM fees
Number of ATMs in U.S.
International ATMs
Phone Support
Optional overdraft protection
Mobile banking
Social networking
Integration with financial management tools
 
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    Bank of America

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    Pros: high customer satisfaction, no fee for more than 18,000 ATMs, free online checking, no minimum balance, free online money-management software
    Cons: phone support not 24/7, fees for using other banks' ATMs, no interest on checking, low interest on savings

    not avail.
     
    Bank of America
    N/A
    N/A
    Checking
    N/A
    Yes, plus guarantees for online bill payments
    $25
    None
    None
    None
    No
    Yes
    Electronic transfer from another bank, or mail check, or direct deposit, or wire transfer
    Checks, ATM, debit card, electronic funds transfers
    No
    Yes, same or next day
    Yes
    N/A
    N/A
    Yes
    Yes
    Yes, free and unlimited
    No -- and charges $2/use for non-BA ATM in the U.S., $5/use abroad
    18,700
    12,000 in global alliance
    7 days a week but not 24/7
    Yes, but incurs fees
    Yes
    No
    Yes: Bank of America My Portfolio online software for tracking expenses, budgeting, etc.
     
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    Schwab Bank High Yield I …

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    Pros: pays interest on free checking, no minimum balance, unlimited ATM fee reimbursements for withdrawals, integrates with free savings, brokerage accounts
    Cons: yield can't compete with reward checking, aTM fees not reimbursed for balance inquiries, can deposit only into brokerage account at Schwab offices

    not avail.
     
    Schwab Bank High Yield I …
    N/A
    N/A
    Checking and savings
    N/A
    No liability if unauthorized use is reported
    1 cent
    None
    None
    None
    No
    270 brokerage branches can deal with banking questions and accept deposits to brokerage account.
    Electronic transfer among Schwab accounts or from another bank, or mail check, or direct deposit, or wire transfer
    Checks, ATM, debit card, electronic funds transfers
    No
    Yes
    Yes
    N/A
    N/A
    Yes
    Yes
    Yes, free
    Yes, unlimited for cash withdrawals
    N/A
    N/A
    24-Jul
    No
    No
    No
    No
     
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    ING Direct

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    Pros: no fees or minimums, long track record with good customer service, great web interface, free account access at 32,000 Allpoint ATMs
    Cons: not the highest savings account APY, no blank paper checks

    not avail.
     
    ING Direct
    N/A
    N/A
    Savings
    ING Bank
    Yes, if reported within 60 days
    $1
    None
    None
    None
    No
    Seven in major cities
    Electronic transfer between banks, or mail in check
    Electronic checks, ATM, debit card, electronic funds transfers
    No
    Yes, free
    Yes, free; link to up to 3 accounts
    $100,000
    2 to 3 days
    Ordered ad hoc
    Yes
    Yes, with checking account
    No
    32,000 (Allpoint network)
    Not specified
    7 days a week but not 24/7
    No
    No
    No
    No
     
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    SmartyPig

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    Pros: high interest on savings, helps save for specific purchases, social networking for encouragement, bonus percentage at retail partners
    Cons: requires automatic monthly deposit, withdrawals can take over a week, not a solution for emergency savings

    not avail.
     
    SmartyPig
    N/A
    N/A
    Savings
    West Bank (Des Moines, Iowa)
    No
    $25
    One savings goal of at least $250 per account, funded by monthly direct deposit
    None
    None
    Yes, min. $25/month per goal
    No
    Electronic transfer from another bank, or mail check. Friends can contribute using an online gift card or by credit card for a 2.9-percent fee
    At close of savings goal, by debit card or gift card (with bonus) at participating retailer, electronic fund transfer
    No
    N/A
    Yes
    N/A
    5 to 7 days
    No
    Only at close of account
    No
    N/A
    No
    No
    M-Sat (but prefer email)
    N/A
    Yes
    Yes: can make a goal private or public, decide what data to share, invited friends; others can contribute to savings goal or make comments
    Yes: online sites like Mint, Geezeo, Wesabe, Rudder, Yodlee, Buxfer, and Expensr
     

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