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Para crear esta lista, Forbes Advisor analizó 34 cuentas corrientes de 23 instituciones financieras, incluidos bancos tradicionales, bancos en línea y cooperativas de crédito. Clasificamos cada cuenta según 22 puntos de datos dentro de las categorías de tarifas, acceso, experiencia del cliente, experiencia digital, gasto mínimo y APY.
El peso asignado a cada categoría es el siguiente:
APY: 40% Tarifas: 20% Experiencia digital: 10% Experiencia del cliente: 10% Requisito de depósito mínimo: 5% Requisito de saldo mínimo: 5% Acceso*: 10%
*El acceso se refiere a si la cuenta se puede vincular fácilmente a una cuenta corriente comercial, si la cuenta viene con una tarjeta de débito o de cajero automático, si la cuenta viene con capacidad para emitir cheques, el tamaño de la red de sucursales y la red de cajeros automáticos. la escala de
Para obtener más información sobre nuestra metodología de calificación y revisión y nuestro proceso editorial, consulte nuestra guía sobre cómo Forbes Advisor revisa los bancos.
Bancos monitoreados
Las instituciones financieras investigadas fueron: ableBanking, Acorns, Affinity Federal Credit Union, Affirm, Albert, Alliant Credit Union, Ally Bank, Amalgamated Bank, American Express, Aspiration, Axos Bank, Apple Federal Credit Union y BancorpSouth Bank, Bank of America. , Bank5 Connect, BankDirect, BankPurely, BankUnitedDirect, Barclays, Bethpage Federal Credit Union, Betterment, Blue Federal Credit Union, Bread Savings, BrioDirect Banking, Capital One, Charles Schwab Bank, Chase, Chevron Federal Credit Union, CIT Bank, Citibank, Citizens Access, Colorado Federal Savings Bank, Comerica, CommunityWide Federal Credit Union, Connexus Credit Union, Consumers Credit Union, Credit Union of Denver, Dave, Discover, Dollar Savings Direct, E*Trade Bank, EmigrantDirect, Fidelity, Financial Partners Credit Union, Financial Recursos Cooperativa de crédito federal, First Internet Bank, First National Bank of America, FNBO Direct, Georgia’s Own Credit Union, Golden1 Credit Union, Greenwood Credit Union, Heritage Bank, HSBC Direct, Hughes Federal Credit Union, Ideal Credit Union, iGoBanking, Investors eAccess , Keybank, Kinecta Federal Credit Union, LendingClub, Limelight, Live Oak Bank, MAC Federal Credit Union, Marcus by Goldman Sachs, Michigan State University Federal Credit Union, My eBanc, MySavingsDirect, Navy Federal Credit Union, NBKC Bank, Northern Bank Direct, Northpointe Bank, Nuvision Federal Credit Union, Pacific National Bank, Paramount Bank, Pen Air Federal Credit Union, PenFed, PNC Bank, Popular Direct, Quontic, Quorum Federal Credit Union, Radius Bank, Regions Bank, Rising Bank, SalemFiveDirect, Sallie Mae Bank , Santander, SFGI Direct, SmartyPig Bank, SoFi, Spectrum Federal Credit Union, State Bank of Texas, State Department Federal Credit Union, Step, Superior Choice Credit Union, Synchrony Bank, TAB Bank, TD Bank, EverBank, TotalDirect Bank, Truist, Union Bank & Trust, US Bank, USAA, USAliance Federal Credit Union, Varo Bank, Vio Bank, Virtual Bank, Wealthfront, Wells Fargo.
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