It is important to note that the best bank is the one that covers all your needs and meets all your expectations. To help you decide, we have made this list so that you can learn about the different benefits and advantages of the central banks in the United States.
1. DiscoverBank
Discover Bank is an entirely online bank with more than 60,000 accessible ATMs. Deposit accounts do not require a minimum deposit to open the account and do not have monthly fees.
Savings account: The savings account, Discover Savings Account, has one of the highest interest rates in the market, with 2.10%. No minimum opening deposit is required and no monthly fees.
Credit card: The Discover it Cash Back has no interest for the first 14 months on purchases and money transfers. After 14 months, the claim can be from 14.24% to 25.24%. On acquisitions and transfers, there is a 3% charge.
2. Chase
Chase is one of the most popular banks in the United States for bonuses and offers throughout the year. However, checking and savings accounts have monthly and annual fees, from $5 to $25. But these can be eliminated if you meet specific requirements such as maintaining a balance of $1,500 or more in the account at the beginning of each day.
Savings account: At Chase, you can open a savings account (0.01% interest) with no monthly service fee if you maintain a $300 or more balance in the budget. The minimum deposit to open this account is $25.
Credit card: With the Chase Freedom credit card, you can enjoy 0% interest for the first 15 months. However, the claim can vary, after 15 months, from 17.24% to 25.99%. On the other hand, the card has no annual fees, and you could earn a bonus of $150 after spending $500 during the first three months of opening the account.
3. Bank of America
Bank of America has approximately 4,400 branches in the United States. Although Bank of America checking and savings accounts have monthly fees ($12 to $25), these can be waived if you add direct deposit or maintain a minimum account balance of $1,500.
Savings Account: With the Rewards Savings account, your interest rate may also increase as your account balance grows. Interest can be increased from 0.03% to 0.06% when opening the account. You can earn Cashback on the items you buy each day.
Credit Card: BankAmericard has 0% interest for the first 15 billing cycles on purchases and any money transfers made in the first 60 days of opening your account. Afterward, a claim of 15.24% will be applied to 25.24%.
4. Capital One
This financial entity has more than 500 branches available in the United States, being one of the largest banks in the nation. Capital One offers many benefits to its clients, such as competitive interest on credit accounts no monthly fees on their accounts. It provides one of the best digital platforms to request services and makes money transfers.
Savings Account: The Capital One 360 account bears 1.00% interest and has no annual or monthly fees.
Credit Card: The Capital One VentureOne Credit Card has no annual fee for the first year, then it would be $95. Credit card interest is 0% for the first 12 months on purchases.
5. PNC Bank
PNC Bank is one of the banks that currently offers a host of benefits and services to meet the needs of all its customers. PNC Bank has 9,000 ATMs and 2,600 branches in 19 states. Although the interest rates on your savings and credit accounts are not very competitive, PNC offers very satisfactory customer service.
Savings account: You can open a regular savings account at PNC with $25, and if you maintain a balance of $300, you will not have to pay monthly fees. The interest on the account is 0.01%. Credit card: With the PNC Core Visa Credit Card, you can save interest during the first 15 billing cycles on purchases, then the claim can be between 12.24% to 22.24%.
