Open a savings account with Ally and receive a 3.30% APY (12-30-2025). There are no minimum balance requirements and no monthly maintenance fees. Get $100 Bonus for opening a savings account or spending account.
In the Fine Print: If you open a new savings account, you'll need to set up an automated monthly transfer (and complete transfers at least three months in a row). If you open a spending account, you'll need to make a direct deposit within 60 days.
Chime's main benefits include no monthly fees, no overdraft fees, and early access to paychecks (up to two days early) through direct deposit, offering a low-cost, convenient banking alternative with helpful features like automatic savings, a large fee-free ATM network, and a user-friendly app. It also provides tools for building credit and earning cashback, making it great for people seeking to avoid traditional bank fees and manage finances digitally. Get a $100 Bonus for joining! Chime offers a Savings Account option that pays 3.50% APY (12-29-2025) too.
In the Fine Print: To qualify for the bonus, you must not have previously opened a Chime Checking Account, make a Direct Deposit of $200+ within 45 Days of Account Opening, and Open Account Using unique referral link. To receive the 3.50% APY, you need to have a monthly recurring direct deposit of $200+.
Frontwave Credit Union
Email Me BEFORE opening an Account (subject line: "$350 Frontwave Credit Union Sign-Up Bonus Referral Request"). I'll then send you a personalized referral code to get a $350 Bonus for opening a checking account and savings account with Frontwave Credit Union.
Checking accounts earn just .25% APY and Savings Account earn .05%-1.75% so this is not a great place to park your uninvested money for any significant amount of time.
In the Fine Print: 1) Must open both a Checking Account (free options available) and a Savings Account (free options available). 2) Enroll in eStatements. 3) Set up qualifying direct deposits within 90 days. Must receive a total of $1,000+ in qualifying direct deposits during the same month.
Galaxyone is one of the highest APY accounts with zero fees, that I've found. Experience the power of their high yield checking account with a free debit card. Get cash make purchases, and enjoy Apple Pay convenience, all with FDIC-insured funds. Get a 3.50% APY (12-29-2025) checking account with debit card (the average checking account offers just 0.07% APY).
Robinhood is offering 4% APY on your uninvested money as well as a 1% or 3% Matching on your Roth IRA Contributions. It also provides an electronic trading platform that facilitates trades of stocks, exchange-traded funds, options, index options, futures contracts, outcomes on prediction markets, and cryptocurrency.
In the Fine Print: There is a $5 monthly fee (or discounted $50 annual fee) for their 'Gold' services that includes the higher 3% IRA match.
As a referred new member of San Diego County Credit Union/California Coast Credit Union, you can receive up to $125. You'll receive $50 when you become a member, deposit $50 in a qualifying account, AND do one of the following:
- Open a checking account with eStatements and add direct deposit, online banking, or online bill pay
OR
- Finance an auto loan
Plus, earn an additional $75 when you also open a real estate loan!
In the Fine Print: California Coast's highest checking account interest rate is just .05% APY which is even below the average interest rate for checking accounts of just .07% APY.
They grew from being a grocery coupon company to also offering shopping and dining discounts, surveys, and more. Upromise now has offers like 'open a bank account and get $230'. They also have their
own credit card with an offer to 'get $300 back after spending $1,000 in the first 90 days'.
In the Fine Print: Bank account signups and other offers are in conjunction with other companies' offerings and have individual terms and conditions.
Webull is offering .5% or 3.6% APY (12-29-2025) on your uninvested money as well as 1% or 3.5% Matching on your Roth IRA Contributions. They also have trading and investing, zero-commission trading for stocks, ETFs, and options. It also provides access to various features like paper trading, a community, and market data.
In the Fine Print: There is a $3.99 monthly fee (or discounted $40 annual fee) for their 'Premium' services that includes the 3.6% APY for uninvested money and increased 3.5% IRA match.
As a new Wells Fargo checking customer, enjoy a $325 Bonus when you open a new Everyday Checking account and deposit $1,000 or more in qualifying direct deposits within 90 days of account opening.
In the Fine Print: There is just a $25 minimum opening balance. The account also has a $10 monthly fee that can be avoided by meeting one of several criteria such as maintaining a $500 daily balance. The Everyday Checking Account does not have an APY.
Advertisement
Create Your Own Website With Webador