Banking & Saving

We tested dozens of services to bring you our top picks as you look to turn knowledge into action

  • A single, easy-to-use platform for banking, credit, and investing
  • $30 cash bonus for depositing $1,000 when you use our link
  • Easy to automate debt payments and recurring investments
  • Low credit rates make it easy to borrow from investment accounts
  • Solid savings rates
  • Cash-back rewards credit card
  • Investing interface is great for beginners or experts
  • Removes the intimidating and annoying process of placing trades
  • Automated investing made very easy with auto-transfers, auto-invest, and auto-rebalancing, on fully customizable portfolios down to specific stocks
  • Build an investment portfolio of stocks & ETFs by choosing what percent you want in each investment, not by purchasing individual shares
  • Or choose any pre-designed portfolios
  • Helpful growth projections
  • No management or trading fees
  • Both regular & retirement accounts
  • Mobile account opening is simple
  • Responsive customer service over email, available for 1-on-1 tutorials

  • Only available for US-based investors
  • $100 minimum balance for investments
  • Unique interface takes a couple days to get used to
  • No live customer service chat
  • Relatively new institution with small asset size

Worthy alternatives

Atmos

The most sustainable way to bank

  • Atmos prioritizes sustainability, with deposits exclusively lent out to fund sustainable projects like clean energy, water resilience, or regenerative agriculture
  • Atmos incentivizes philanthropy and sustainable shopping
  • Very small team, so it has the personal service of a local bank
  • High savings account rates
  • Very simple initial sign-up, maybe 30 seconds
  • No minimum balances
  • No monthly fees
  • Free ATM network
  • Loose change round-up transfers to nonprofits or a savings account
  • Instantly open multiple accounts to bucket savings
  • Virtual and physical debit cards

  • Atmos is a small startup, so they’re still improving some things
  • Accounts aren’t open immediately, but usually approved same-day
  • There’s no Plaid bank-linking, so funding the account takes a little time to initiate a transfer yourself
  • 5% cash-back card on sustainable purchases is only debit
  • No credit cards
  • No investments

Worthy alternatives

Yotta

Banking with lottery prizes

  • Weirdly makes saving fun and exciting
  • Weekly cash & prize lottery giveaways
  • Earn more lottery tickets by saving more
  • Lottery chance for debit or credit transactions to be free
  • Solid savings rates made better by lottery wins
  • Easy sign up and account opening
  • Simple funding transfers with Plaid
  • Cool interface with ways to pool tickets with friends
  • Credit and debit cards
  • Crypto savings accounts with crypto interest

  • No desktop web access - only the app
  • The app is so loaded with features it gets a little confusing
  • Crypto savings accounts not available everywhere

Worthy alternatives

SaveBetter

High-yield savings account curator

  • Shift your savings between the highest-interest accounts at regional banks
  • All curated through one simple interface
  • SaveBetter processes the account opening at different banks for you
  • You only need one SaveBetter account
  • Monitor your different savings accounts together
  • Aggregated monthly statements
  • Easy sign-up and funding
  • No fees
  • Only $1 minimum balance
  • Successful European FinTech company, newly launching in the US

  • Not the most beautiful interface
  • Network of bank options is still growing
  • No mobile app, but mobile web is ok

Worthy alternatives

M1 Finance

Our favorite banking and investing super app

  • A single, easy-to-use platform for banking, credit, and investing
  • $30 cash bonus for depositing $1,000 when you use our link
  • Easy to automate debt payments and recurring investments
  • Low credit rates make it easy to borrow from investment accounts
  • Solid savings rates
  • Cash-back rewards credit card
  • Investing interface is great for beginners or experts
  • Removes the intimidating and annoying process of placing trades
  • Automated investing made very easy with auto-transfers, auto-invest, and auto-rebalancing, on fully customizable portfolios down to specific stocks
  • Build an investment portfolio of stocks & ETFs by choosing what percent you want in each investment, not by purchasing individual shares
  • Or choose any pre-designed portfolios
  • Helpful growth projections
  • No management or trading fees
  • Both regular & retirement accounts
  • Mobile account opening is simple
  • Responsive customer service over email, available for 1-on-1 tutorials

  • Only available for US-based investors
  • $100 minimum balance for investments
  • Unique interface takes a couple days to get used to
  • No live customer service chat
  • Relatively new institution with small asset size

Worthy alternatives

Atmos

The most sustainable way to bank

  • Atmos prioritizes sustainability, with deposits exclusively lent out to fund sustainable projects like clean energy, water resilience, or regenerative agriculture
  • Atmos incentivizes philanthropy and sustainable shopping
  • Very small team, so it has the personal service of a local bank
  • High savings account rates
  • Very simple initial sign-up, maybe 30 seconds
  • No minimum balances
  • No monthly fees
  • Free ATM network
  • Loose change round-up transfers to nonprofits or a savings account
  • Instantly open multiple accounts to bucket savings
  • Virtual and physical debit cards

  • Atmos is a small startup, so they’re still improving some things
  • Accounts aren’t open immediately, but usually approved same-day
  • There’s no Plaid bank-linking, so funding the account takes a little time to initiate a transfer yourself
  • 5% cash-back card on sustainable purchases is only debit
  • No credit cards
  • No investments

Worthy alternatives

Yotta

Banking with lottery prizes

  • Weirdly makes saving fun and exciting
  • Weekly cash & prize lottery giveaways
  • Earn more lottery tickets by saving more
  • Lottery chance for debit or credit transactions to be free
  • Solid savings rates made better by lottery wins
  • Easy sign up and account opening
  • Simple funding transfers with Plaid
  • Cool interface with ways to pool tickets with friends
  • Credit and debit cards
  • Crypto savings accounts with crypto interest

  • No desktop web access - only the app
  • The app is so loaded with features it gets a little confusing
  • Crypto savings accounts not available everywhere

Worthy alternatives

SaveBetter

High-yield savings account curator

  • Shift your savings between the highest-interest accounts at regional banks
  • All curated through one simple interface
  • SaveBetter processes the account opening at different banks for you
  • You only need one SaveBetter account
  • Monitor your different savings accounts together
  • Aggregated monthly statements
  • Easy sign-up and funding
  • No fees
  • Only $1 minimum balance
  • Successful European FinTech company, newly launching in the US

  • Not the most beautiful interface
  • Network of bank options is still growing
  • No mobile app, but mobile web is ok

Worthy alternatives

Pick the platform that makes things easier for you

At the end of the day, it's all about what's right for you. With something like budgeting, debt management, or investing, the most important criteria is that you feel comfortable using it. Otherwise, you're not going to build the confidence to take your future into your own hands. If you're buying basic stocks and funds to hold for the long term, you can do that almost anywhere. Just find a respectable institution that charges low or no fees and has an interface you don't hate using.

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