Best Internet Banks, 2019
According to the 2019 Direct Banking Satisfaction Study by J.D.
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According to the 2019 Direct Banking Satisfaction Study by J.D. Power, direct (or branchless) banks continue to beat traditional banks in overall customer satisfaction.
Our picks have low fees, solid savings accounts and slick digital tools that make online-only banking easy. Take a look.
Informa Financial Intelligence (opens in new tab) compiled the data as reported by the financial institutions that it tracks; the information is subject to change. All rates as of June 20, 2019.

BEST: Ally Bank
- Why it won: Customers earn interest on their accounts without maintaining a particular balance or paying monthly fees.
- Standout accounts: Interest Checking (opens in new tab) is fee-free and pays 0.1% on sums below $15,000, or 0.6% on balances of $15,000 or more. Online Savings (opens in new tab) pays a flat 2.2% on everything.
Our online winner recently celebrated its 10th anniversary as Ally Bank (opens in new tab), but its history stretches back to 1919 as the auto financing arm of General Motors. The J.D. Power study ranked Ally second in overall satisfaction, pointing to its competitive interest rates as one standout feature. Besides its free checking, savings and money market deposit accounts (opens in new tab), you can open a high yield CD (opens in new tab) with any amount and rake in 2.55% for a one-year term or 2.85% for a five-year term. Alternatively, Ally offers an 11-month No Penalty CD (opens in new tab), which pays up to 2.3%, depending on the size of your deposit, as well as a Raise Your Rate CD in two- and four-year terms.
You won’t pay a fee to withdraw cash at any Allpoint ATM in the U.S., and Ally will reimburse you up to $10 per month for fees triggered by other ATMs. Ally offers a multitude of ways to move your money into and out of your accounts at no cost, including expedited transfers, remote check deposits and the peer-to-peer payment system Zelle. Your debit card will fit into the digital wallets from Apple, Google, Microsoft and Samsung.
Live customer service is available 24-7 by phone (check wait times (opens in new tab) on the website or app) and online chat. Or you can seek answers via the bank’s @AllyCare Twitter (opens in new tab) account on weekdays.

RUNNER-UP: Capital One 360
- Why it won: You get the benefits of an online bank but can still get customer service at a branch or in a hip Capital One Café (opens in new tab).
- Standout accounts: 360 Checking (opens in new tab) returns 0.2% on amounts below $50,000, 0.75% on balances up to $100,000, and 1% on larger tallies. 360 Money Market (opens in new tab) pays 2% on balances of $10,000 and more (amounts less than $10,000 earn 0.85%).
- Where it is: About 500 branches in eight eastern and southern states and Washington, D.C.
If you walk into a Capital One (opens in new tab) branch to open an account, the teller may hand you an iPad and steer you toward the online Capital One 360 products. Adults are limited to one choice per checking, savings and money market deposit account, but all are free to open and none charges monthly fees. You will earn different rates depending on the balance in your checking or money market deposit account, or a flat 1% on anything you stash in 360 Savings (opens in new tab). Or you can open a CD (opens in new tab) for any amount and earn 2.9% for a five-year term.
Cash withdrawals from Capital One and Allpoint ATMs are free. But Capital One won’t charge 360 users to use ATMs in any network (you won’t be reimbursed for surcharges that originate from the ATM operator). And Capital One doesn’t levy a foreign-transaction fee on debit card purchases abroad.
You can seek help by phone, via the @AskCapitalOne Twitter (opens in new tab) account or at a branch. Or drop by one of 37 Capital One Cafés scattered around the country to lounge or work remotely and have a Peet’s coffee. The cafés also feature Capital One ATMs and “DIY Banking” terminals.

The Best Banks and Credit Unions for You, 2019
These stellar banks and credit unions are making all the right moves to win satisfied customers:
Best Banks for High-Net-Worth Families
Best Banks for Families With Students
Best Banks for No-Fee, No-Fuss
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