Banks we cover — and why

There are over 4,000 FDIC-insured banks in the US. We cover the ones you can open online from anywhere, that pay a competitive rate or a real bonus, and that we'd be comfortable sending a friend to. We leave the rest out on purpose.

How an institution gets in

• Open online from any state — no branch visit required.
• Competitive — close to the national top rate for its category, a live sign-up bonus, or genuinely fee-free checking.
• Safe beyond the FDIC sticker — no public enforcement actions, and for apps that aren't banks themselves, the partner bank holding your money is named and pass-through insurance is disclosed.
• Good after opening — fees you can realistically avoid, reasonable holds on your first deposit, a working app.
• Whether a bank pays us is checked last and only decides whether our link earns a referral fee. It never decides whether a bank is listed.

Currently listed

We're verifying our launch list by hand. It will appear here once every account on it has been checked.