A comprehensive list of FDIC insured Online Banks that offer their products nationally within the United States. Get rate and safety and soundness information for. The best online banks usually offer higher interest rates and friendlier fee in the case of a few financial institutions on this list, not very many branches. Alliant Credit Union · How to Deposit Cash at an · Aspiration · Bank of Internet. Why: For the second year in a row, Ally Bank tops GOBankingRates' list as the best online bank because of its winning combination of no. Fred Brown June 28, Bank5 Connect offers customers a mobile app and live chat with a human representative through its site, though it doesn't offer around-the-clock phone support. Bank5 Connect also doesn't charge a monthly checking account maintenance fee; however, its savings and one-year CD rates were lower than Ally Bank's. Each criterion was individually scored from most to least favorable. The best online banks offer high rates, low fees and exceptional customer service. Because online banks do not have physical branch locations, consumers need to make some adjustments in how they interact with their new bank. The easiest way to make a purchase is to use the debit card provided by your new bank. The bonus is subject to certain requirements, including minimum deposits. I enjoy reading your blogposts! And as with most online banks, Dime offers very competitive rates with low fees. Banks were then ranked based on their overall scores. NEWS Highline Science Education Weird News Business TestKitchen Tech College Media.