Compare High-Yield Savings Accounts

Requires age 18+, valid Social Security Number, U.S. residency, and a valid driver's license, state-issued ID, or U.S.-issued passport for U.S. citizens. Pibank uses KYC, OFAC, ChexSystems, and biometric identity checks.

App Only Pibank does not accept ACH Transfers. Wire in/out or Plaid transfers only.

CineFi states no minimums, no account fees, custom savings goals, round-up savings, and NCUA insurance through First Entertainment Credit Union; CineFi accounts are not separately insured from First Entertainment Credit Union deposits. Public CineFi materials do not advertise joint savings ownership.

NCUA insured through First Entertainment Credit Union

User reports anyone can join Filmmakers Alliance; first year complimentary

Plaid funding only; no wires; ACH limits reported

Elite Money Market offers the advertised APY only on new money deposits of $25k or more. Anyone living in the United States can join by donating $5 to the OnPath Foundation. Public product materials disclose digital banking access and three free withdrawals per month.

OnPath Credit Union is open to national eligibility by making a $5 donation to the OnPath Foundation

Top boosted APY requires either $1.5k in monthly qualifying direct deposits plus $1.5k average daily Axos ONE Checking balance, or $5k in monthly qualifying deposits plus $5k average daily Axos ONE Checking balance. The stored $1.5k minimum-balance value is the lowest required Axos ONE Checking average daily balance path; the stored $1.5k monthly-deposit value is the lowest qualifying monthly deposit path. The non-direct-deposit qualifying path requires $5k.

Either: Receive at least $1.5k in total monthly qualifying direct deposits and maintain an average daily balance of more than $1.5k.

Or, Receive at least $5k in total monthly qualifying deposits and maintain an average daily balance of more than $5k.

High Yield Savings requires $100 minimum deposit to open; no minimum balance is required to maintain the account, but $0.01 is required to earn interest. Public Newtek High Yield Savings materials do not disclose joint ownership support.

Customers may make up to 6 withdrawals from their savings account per statement cycle

Raisin is a free platform, not a bank; it offers access to partner-bank and partner-credit-union savings products through a single login. Individual partner product requirements, APY caps, and balance tiers may vary. Joint account support verified from Raisin US joint-account guidance. The schema does not currently support a varies cap status, so this row is marked uncapped at the platform level.

New customers can earn a $100 bonus with code NEWYEAR at sign-up

316 Financial is a digital brand/division of Primis Bank. Public product materials disclose online account funding and opening, but no public dollar transfer limit was found.

Division of Primis Bank

Online application supports individual and joint ownership. Transfers initiated through Vio Bank External Transfer Service are limited to $25k per day and $100k per month.

$5 monthly fee for paper statements.

Account is set up for monthly e-statements; $5 paper statement fee applies if paper statements are selected. $50 opening deposit and no minimum balance required to earn interest. Public Super Duper Savings materials do not advertise joint ownership support.

$50 minimum opening deposit

A Social Security number or tax ID is required. $25k minimum deposit to open; $2.5k minimum balance to earn advertised APY. Public TotalBank Money Market/FAQ materials do not advertise joint ownership support.

Money Market account withdrawals are limited to six transactions per month

Bread Savings has no monthly fees and no ongoing minimum balance requirement; the $100 amount is the minimum opening deposit. Joint account support verified from the Bread Savings application flow.

Money Market has a daily $2k balance requirement or a $10 service charge is assessed at month end.

unavailable in Kansas, Missouri, Oklahoma and Arkansas

Joint account support verified from E*TRADE/Morgan Stanley Private Bank Premium Savings disclosures.

High Yield Savings requires a $500 minimum deposit to open and does not include checks or debit card functionality. Openbank supports adding a joint account owner after opening. Openbank discloses unlimited withdrawals/transfers subject to dollar limits shown in the transaction flow.

Only available in states without Santander

TIMBR High Yield Savings requires a $1k minimum opening balance. TIMBR describes the account as a consumer savings account for individuals; the funding account may be individually or jointly owned, but public materials do not advertise joint ownership for the TIMBR savings account itself.

Performance Savings is available online and by phone, has $0 opening deposit, no monthly maintenance fee, no minimum balance requirement, and supports external transfers through EverBank online/mobile banking.

My Banking Direct High Yield Savings requires $500 to open, has no monthly maintenance fee, earns the stated APY on daily balances of $1 or more, and supports ACH funding from another financial institution. Joint account holders should be available to validate their personal information.

$100 minimum opening deposit. Popular Direct online account opening supports individual or joint ownership. Withdrawals are permitted only through an External Account, internal transfer to other Popular Direct accounts, or ACH. ACH debits from external accounts other than the linked External Account are not permitted during the first 70 days after opening.

ZYNLO Tomorrow Savings has no minimum deposit, no minimum balance to earn APY beyond $0.01, no monthly maintenance fee, and can be opened as a standalone savings account. ZYNLO offers savings goals and optional ZYNG round-up savings when paired with a More Spending account.

Growth Savings is a 100% digital account with no fees, no minimum deposit, no hidden charges, daily compounding, and transfer access through online banking/mobile app. A joint account owner can be added through online banking.

High-Yield Savings requires a $2.5k minimum opening balance and $2.5k minimum balance to earn the stated APY; maximum account balance to receive the 3.85% APY is $1M. Ivy Bank supports joint accounts, generally limited to two joint owners unless otherwise agreed in writing.

6 withdrawals per monthly statement cycle

$1k minimum deposit required to open account; eStatements required. Funding is available by bank transfer or direct deposit. Public Oloy High-Yield Savings materials do not advertise joint ownership support.

Division of Academy Bank

$1k minimum opening deposit

Redneck Bank is the internet banking division of All America Bank, Member FDIC. Mega Money Market has a $500 minimum opening deposit, no minimum balance, optional debit card access, and a $3 monthly paper-statement fee if paper statements are chosen. The product page limits Mega Money Market to one account per individual.

Peak states external transfers are available five business days after account opening; initial funding by linked bank transfer may take up to three business days. Initial ACH funding maximum is $5k.

CFG High Yield Money Market Online requires $1k to open and $1k daily balance to obtain APY and avoid the $10 monthly maintenance fee; no check-writing privileges.

No check writing or debit card privileges are allowed with the High Yield Money Market Account

Once funding occurs, the daily external transfer limit for the CFG High Yield Money Market Account is $5k

High Yield Savings has $1 minimum balance, no stated qualifications, and no monthly maintenance, ACH, or online account fee. Colorado Federal Savings Bank allows up to four joint owners on an account. Funds are accessed through online banking ACH/internal transfer; no checks or debit cards are issued on savings accounts.

Base High Yield Savings rate; excludes Premier tier

Live Oak Personal Savings has no monthly maintenance fee, no minimum balance requirement, no withdrawal limits, and earns interest with as little as $0.01. Live Oak materials explain joint owners/co-owners have equal access to deposit, withdraw, or close the account.

Quontic High Yield Savings requires $100 to open, has no monthly service fee, no conditional average daily balance requirement, compounds interest daily, and credits interest monthly.

Monthly external transfer limits range from $2-20k

Barclays Online Savings has no minimum balance to open and no monthly maintenance fee; interest posts when the balance earns at least $0.01.

Bask Interest Savings has no minimum deposit, no minimum balance requirement, and no monthly account fees. Bask allows up to two individually owned and two jointly owned Bask Interest Savings accounts.

Base APY only; excludes temporary boost

BrioDirect supports transfers between a BrioDirect savings account and another bank through External Transfers. Additional security limits may apply and limits may be changed by Webster Bank.

Chime Savings earns 0.75% APY standard, 3.00% APY with Chime Plus, and 3.75% APY with Chime Prime. Chime Prime requires $3k+ in qualifying direct deposits to Chime Checking in the past 34 days; Chime Plus requires either one $200+ qualifying direct deposit or $400+ cumulative qualifying direct deposits in the preceding 34 days. A Chime Checking Account is required to open Chime Savings.

3.75% APY requires Chime Prime status, which requires $3k+ in qualifying direct deposits to Chime Checking in the past 34 days.

CIT supports electronic external transfers. CIT outbound wire form states domestic wires only. Joint account support verified from the CIT Bank personal deposit account agreement.

Online Savings requires a $1k minimum opening deposit of new money and $0.01 minimum balance to earn APY. Internal transfers between First Foundation Bank accounts have no stated limit.

Prime Alliance Personal Savings is designed for individuals, has no monthly maintenance fee or minimum balance requirement, includes online and mobile banking, and permits unlimited deposits plus up to six withdrawals/transfers per month. Prime Alliance personal account materials support joint ownership with right of survivorship.

Variable APY applies to all balances

Sallie Mae High-Yield Savings has no minimum balance, no monthly maintenance fee, free transfers, daily compounding, and monthly interest crediting. Sallie Mae materials discuss qualifying joint accounts for FDIC coverage.

Eagle High-Yield Savings requires a $1k minimum opening deposit, has a variable rate, and permits adding a joint owner after the application is approved.

Funds must be new to EagleBank to earn the stated APY

ROGER Savings requires a ROGER checking account, has no minimum opening deposit, no minimum balance requirement, no monthly fees, virtual savings goal folders, and Round-Up Match. The first APY tier applies through $250k; balances over $250k earn 0%.

A checking account is required to earn the stated APY

Balances over 250k will not earn interest

Not available in CT, DE, MA, NH, NJ, NY, PA, RI

TAB Save has no monthly maintenance fee, no minimum opening deposit, $0.01 minimum balance to obtain APY, no balance cap, and online/mobile access. Public TAB Save materials do not advertise joint ownership support.

Online application supports individual and joint ownership. Transfers initiated through Vio Bank External Transfer Service are limited to $25k per day and $100k per month.

$5 monthly fee for paper statements.

Agility High-Interest Savings requires a $1k minimum opening deposit; maintain at least $0.01 in the account to earn the stated APY. CIBC offers individual and joint ownership for this account.

eOne Savings eligibility is limited to online applicants without an existing Salem Five Bank checking or savings account, except existing Salem Five Direct eOne Checking customers. $10 minimum opening deposit; APY applies to balances from $0.01 to $1M.

Joint account support verified from Marcus deposit account agreement.

Money Market Premier requires $5k minimum deposit to open. Daily balances below $250k earn the advertised APY; balances at or above $250k earn the lower tier. Public Northern Bank Direct materials do not advertise joint ownership support.

Money Market Premier; $5k minimum opening deposit

Balances at/above $250k earn lower rate

UFB Direct offers savings and money market accounts with no stated limit on number of funds transfers. Public UFB Direct materials do not advertise joint ownership support.

Synchrony High Yield Savings has no minimum deposit, no minimum balance, and no monthly fees. Synchrony supports electronic transfers to and from external banks; joint owners are addressed in the deposit account agreement. Synchrony account agreement lists outgoing wire service charges, and Synchrony help states wire transfers can be requested by phone.

Checks are not available for the High Yield Savings account

Public High-Yield Cash Account is a brokerage cash account program with FDIC insurance through partner banks. Public materials state unlimited transfers and withdrawals and no maximum balance limits, but do not advertise joint ownership support.

Highest APY requires one qualifying path: eligible direct deposit every 31 days, $5k or more in qualifying deposits every 31 days, or an active SoFi Plus subscription; otherwise the Standard APY applies. The $5k monthly deposit amount applies only to the qualifying-deposit path. Savings balances include Vaults. Joint account support verified from SoFi Checking and Savings joint-account help.

Highest APY requires one qualifying path: eligible direct deposit, $5k+ in qualifying deposits every 31 days, or active SoFi Plus.

Wealthfront Cash Account has no account fees, no minimum or maximum balance to open, same-day eligible transfers through RTP/FedNow where available, and ACH transfers initiated through Wealthfront are subject to a $250k daily limit.

Savings bucket support verified from Betterment Cash Reserve cash-goals guidance.

Unlimited withdrawls

BMO Alto and Alto are trade names used by BMO Bank N.A. BMO Alto states accounts are subject to approval, FDIC insurance is not separate from other BMO U.S. deposits, and account opening requires identity information.

BMO branches and ATMs are unable to provide support for your BMO Alto account.

Ally asks for personal information including address and Social Security number during account opening. Joint account support verified from Ally savings account opening guidance.

Limit of 10 free withdrawals per month

"Buckets" can be used to organize and track savings without needing multiple accounts

No minimum balance is required to open, avoid a fee, or obtain the disclosed APY. Joint account interest is reported under the primary account holder's SSN.

Requires U.S. citizen or lawful permanent resident with U.S. physical address, U.S.-based mobile number, valid SSN or ITIN, and linked account at a U.S.-chartered bank. Savings goal support verified from Capital One 360 Performance Savings guidance.

M1 High-Yield Savings has no account minimum, no monthly maintenance fee, no limit on the number of transfers to and from the savings account, and ACH transfers between an external bank account and M1 High-Yield Savings are limited to $120k per day. Public M1 High-Yield Savings materials do not advertise joint ownership support.

Joint account support verified from Vanguard Cash Plus account guidance.

Unlimited withdrawls

Supplemental Savings requires a $5 minimum opening deposit, has no monthly fee when eStatements are selected, supports multiple supplemental savings accounts, and ACH initiated through Alliant Online Banking is free.

Citizens Access is a division of Citizens Bank, N.A. Online Savings has no account opening, maintenance, or ancillary service fees; no ATM card, debit card, or checks are offered.

HUSTL is a Vantage West Credit Union digital brand. HUSTL Money Market has no monthly fees, no monthly minimums, and no transaction limits. Public HUSTL materials do not advertise joint ownership support.

$7.5k per day/$10k per month limit on both inbound and outbound transfers via ACH

LevelUp Rate applies to the full balance when the account receives at least $250 in qualifying deposits during the evaluation period; otherwise, the account earns the Standard Rate. Public LendingClub High-Yield Savings materials do not advertise joint ownership support.

Requires a $250+ deposit per month

Premium Online Savings has no monthly maintenance fee, a $5 minimum opening deposit, and requires PenFed membership. PenFed account materials support joint ownership; public transfer materials reviewed did not disclose a savings-specific dollar transfer limit.

Credit Karma Money Save is a free interest-bearing savings account with banking services provided by MVB Bank, Inc., Member FDIC. Public Credit Karma Money Save materials do not advertise joint ownership support.

6 withdrawals per monthly statement cycle

Cash balances can be swept to one or more program banks for FDIC insurance if elected; balances swept to Money Market Overflow are not FDIC-insured and are instead eligible for SIPC coverage under SIPC rules. Fidelity also supports electronic funds transfer and bank wires from Fidelity accounts. Joint account support verified from Fidelity Cash Management Account FAQ joint-registration guidance.

Unlimited global reimbursement on ATM withdrawals.

BluPeak Money Market account criteria apply. BluPeak membership and account materials support digital transfer access and joint ownership generally, but public product materials do not disclose a money-market dollar transfer limit.

Available only to residents of certain California counties (Alameda, Sacramento, San Diego, Santa Clara, or Yolo).

Direct deposit to savings is required to maximize account benefits

Joint account support verified from Discover add-a-joint-owner instructions for Savings accounts.

Jenius Bank savings accounts transitioned to Axos Bank in early May 2026. This row should be treated as stale for new-user savings-account comparison until an inactive-product field or removal decision is implemented.

Jenius savings accounts transitioned to Axos Bank in early May 2026.

High-Yield Savings Premier requires a $500 opening deposit and $0.01 minimum balance to earn the advertised APY. ACH transfers from the linked account are generally available for withdrawal after five business days.

Schwab Bank Investor Savings has no monthly service fees; initial deposits can be made by transfer from eligible Schwab accounts, direct deposit, mobile deposit, mailed check, or wire transfer. Joint account support verified from Schwab Bank deposit account agreement.

BMO Savings Builder requires a $25 minimum opening deposit and has no monthly maintenance fee. BMO Digital Banking supports external transfers for eligible BMO savings accounts, and BMO guidance describes joint ownership for savings accounts.

PNC High Yield Savings schedule lists $0 minimum deposit to open, no monthly service charge, and interest-bearing status. New online accounts may have an initial hold that does not exceed five business days.