As such, they tend to pass those savings on to customers in the form of lower fees, higher rates and intuitive digital banking products. Online banks don’t have the costs associated with traditional brick-and-mortar institutions.
BEST ONLINE BANKING SOFTWARE FOR MAC FULL
Read our full Capital One 360 Bank Review. None of the bank’s products require a minimum deposit or minimum balance. You can also send Capital One a message on Twitter.Ĭapital One 360 makes it easy to open and maintain your accounts-whether it’s a savings account, checking account or CD. And Eno, the bank’s virtual assistant, is available in the mobile app or by text. Physical locations aren’t something you’ll find with most online banks.Ĭustomer service reps are available seven days a week by phone, from 8 a.m. If you can’t find a Café near you, Capital One also offers full-service branches in some states. Cafés offer certified money coaches, money workshops and assistance with opening and managing Capital One accounts. At these spaces, you can get personal support in a coffee-shop atmosphere. Plus, in select locations, you can also find Capital One Cafés. You can access your accounts at any time from anywhere online or via the bank’s highly rated mobile app. You can also get your questions answered via live chat, email and regular mail.Īlly’s mobile app, available on iOS and Android, gets high scores in the App Store and Google Play.Ĭapital One 360 is a hybrid between an online and brick-and-mortar bank. And the bank’s “surprise savings” feature analyzes your Ally checking account for money that’s safe to save and transfers it to your savings account automatically.Īlly Bank earns high customer satisfaction scores, with a customer service department available 24/7 by phone. The bank also has a “round ups” feature that looks for transactions in your checking account that it can round to the nearest dollar and transfer to your savings account.
With Ally’s savings account, you can create “buckets,” allowing you to set 10 different savings goals within a single account. It has an extensive ATM network and it reimburses up to $10 per statement cycle for fees charged at out-of-network ATMs.Īlly customers also get access to the bank’s savings tools. Ally, a full-service online bank, offers consistently competitive rates on its products with low fees and no monthly maintenance fees or minimum balance requirements.
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