All right, it’s that time of year where we all re-evaluate our financial goals and the tools that we’re using. Which means today we’re breaking down the Top 7 Best Bank Accounts in 2025.
7. National Banks – Capital One 360
I can’t believe I’m saying this — National Banks. Personally, I’m allergic to large national banks and literally get hives just driving by a Wells Fargo branch. However, not all of them suck.
If you need to move or access large sums of money, then as much as I love my bank in the sky, there is a time and place for one of these large national banks.
My personal favorite would be the Capital One 360 Checking and Savings Account.
- Competitive rates around 3–4% (at the time of recording, slowly coming down)
- No fees across the board
- Massive network of fee-free ATMs
So it wouldn’t be my first choice personally, but if you are looking to go with a large national bank, then Capital One 360 would be my pick.
6. Current
On the complete opposite end of the spectrum, number six is Current. While it isn’t the most feature-rich, its simplicity makes it stand out.
Their Current Credit Builder Card is a huge plus, as it helps you build a strong credit score while minimizing your exposure to high-interest debt.
Of course, they also have all of the standard modern features you’d expect from a bank in the sky:
- Get paid up to 2 days early
- No fees
- A well-designed mobile app
- 4% APY on savings (capped at $6,000)
If you’re sitting on a larger pile of money, you might want one of the next options.
5. Local Credit Union
Your local credit union might not be flashy, but it has its perks.
- Higher APY compared to local banks
- Physical branches when you need them
- Helpful for loans and mortgages
If you still want that in-person experience sometimes, your local credit union is a great choice.
4. Wealthfront Cash Account
The Wealthfront Cash Account is criminally underrated in my opinion.
- Uncapped 4% APY on savings
- Two ATM fee reimbursements per month
- Up to $8 million FDIC insurance
- Instant withdrawal feature
- Automated transfers for bills, savings, and investments
I’d actually say a majority of my net worth is with Wealthfront, and it always shocks me that it isn’t talked about more.
3. Ally Bank
Number three is Ally Bank. Chances are you’ve heard of them before since they were one of the pioneers of online banking.
In the past, I left them off this list because I preferred newer, flashier platforms. But for the average individual, Ally does a fantastic job bridging the gap between traditional brick-and-mortar banks and the bank in the sky concept.
- 3.8% APY on savings
- Options like Money Market Accounts and CDs
- Integrated investing and lending products
If you want more account options than just checking and savings, Ally is definitely worth a look.
2. Chime
Chime is all about simplicity.
The best part about Chime is its clean and easy-to-use app — it isn’t cluttered with ads or endless features you’ll never use.
But don’t be fooled, Chime still offers:
- Fee-free overdraft protection with SpotMe
- A great Credit Builder product
- Large network of fee-free ATMs
- Cash deposits at Walgreens
- Early direct deposit access
I’ve personally had a Chime account for years. It’s not where I keep most of my liquid cash, but if you want a simple and easy-to-use platform, Chime is tough to beat.
1. SoFi – My Top Pick
Finally, number one is SoFi — and honestly, it’s not even close.
SoFi is not as simple as Chime or Current, but that’s because they offer everything you could ask for in a fintech company:
- 4% APY on savings
- $2 million FDIC insurance
- No-fee overdraft coverage
- Bill pay and savings vaults for goals
- Investments, credit card, loans — all in one app
I’ve kept hundreds of thousands of dollars with SoFi for years and have no intention of switching. Their customer service is unmatched, their joint accounts are great for budgeting, and they actually listen to customers — adding Zelle, wire transfers, and more when people asked.
And unlike many fintech apps that partner with banks, SoFi is its own bank. That gives them an edge and makes them more nimble.
For me, SoFi is easily the best bank account in 2025.
Final Thoughts
There you have it — my Top 7 Best Bank Accounts in 2025.
- If you want simplicity → go with Chime or Current
- If you want automation → Wealthfront
- If you want traditional + modern mix → Ally or Capital One 360
- If you want all-in-one banking → SoFi
👉 Which bank are you using to reach your financial goals in 2025?
Important Note
This article is meant for general informational purposes only. It should not be considered financial advice. Always do your own research or consult with a licensed financial advisor before making any banking or investment decisions.