Banks With the Best Customer Service [2025]: Standout Support You Can Count On

When choosing a bank, customer service can be just as important as interest rates or account features. Whether you prefer the convenience of online banking or the reassurance of walking into a branch, your experience often hinges on how well a bank supports you when issues arise.

After years of banking with a local credit union, I recently switched to an online bank to avoid fees and earn a little interest on my savings. Factors like fees, APYs, overdraft policies, and accessibility are important when evaluating the best banks.

American Express National Bank

You're probably most familiar with American Express for its credit cards, but the financial company also offers savings, checking, and other banking products. Its high yield savings account is one of the best savings accounts that earns a competitive APY of 3.60%² <p>The Annual Percentage Yield (APY) as advertised is accurate as of May 8, 2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened.&nbsp;</p> and is available to anyone, even if they're not an Amex cardholder.

I opened an Amex high yield savings account last year and have been happy with the return I've received so far (even though the interest rate has slightly decreased since I opened it.)

Amex's checking account is a newer product for the company, and it is currently only available for current Amex cardholders. If you have an Amex card, you may want to consider the company's checking account. It is one of the few checking accounts that earns interest, currently at 1.00% (as of 05/02/25) APY.

The account also comes with a debit card that rewards you with points for eligible purchases. You'll earn 1 point per $2 spent on eligible purchases. However, American Express is not for you if you need overdraft protection. The company doesn't offer that service.

Visit American Express® High Yield Savings | Learn more in our Amex High Yield Savings review

Earn Potentially Hundreds More on Your Savings With This Simple Move

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2025 award winner Best for Customer Service

American Express® High Yield Savings Benefits

• Earn a competitive 3.60% annual percentage yield (APY)² <p>The Annual Percentage Yield (APY) as advertised is accurate as of May 8, 2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened.&nbsp;</p> from a trusted brand
• No minimum deposits or balances required, and no monthly fees³ <p class="">There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.</p>
• Award-winning financial institution with 24/7 access to customer service representatives
• Terms apply

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Chase

If you prefer to do a lot of your banking in person, then Chase may be the right bank for you. It has over 4,700 brick-and-mortar branch locations across the country. It also ranks high for overall customer satisfaction, coming in just second behind Capital One on J.D. Power's 2024 National Banking Satisfaction Study.

However, beyond that, there's not much that excites me about Chase's banking products. It charges monthly service fees on both its checking and savings accounts. Many of those fees could be waived for some of their checking products if you jump through the right hoops, like having direct monthly deposits of at least $500 to a Chase Total Checking® account.

Neither of Chase's savings or checking accounts earns interest. The company offers overdraft protection on eligible accounts but is limited to $50 or less. If you overdraft over $50, you'd better deposit or transfer money into your account and make it good by the next day, or else you'll be charged a $34 overdraft fee.

Visit Chase Total Checking® | Learn more in our Chase review

Open a New Checking Account With Chase

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Chase Total Checking® Benefits

• Get a $300 bonus when you open a Chase Total Checking® account with qualifying activities; offer valid through 7/16/2025⁴ <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $500 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p>
• Access to more than 15,000 ATMs and more than 4,700 branches
• Manage all your accounts from the Chase Mobile® app
• Monthly Service Fee as low as $0 when you meet qualifying electronic deposits or account balance minimums⁵ <p>$12 Monthly Service Fee OR $0 with one of the following, each monthly statement period:</p> <p>Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,</p> <p>OR a balance at the beginning of each day of $1,500 or more in this account,</p> <p>OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.</p>
• Member FDIC

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U.S. Bank

Like Chase, U.S. Bank ranks higher than average for overall customer satisfaction according to J.D. Power. Still, it also has monthly fees and minimum balance requirements that many financial companies have done away with.

U.S. Bank levies a $12 monthly fee on its Smartly Checking Account and a $5 monthly fee on its Smartly® Savings account, but the savings account fee is waived if you have both a U.S. Bank Smartly® Checking or Safe Debit checking account and a Smartly® Savings account. There are other ways to get the monthly fees waived, including having an average account balance or monthly direct deposits of $1,500 or more. The fees are also automatically waived if you are a military member, a senior age 65 or older, or a teen or young adult age 13-24.

U.S. Bank operates 2,000 physical branches, but those branches are available in only 26 states in the U.S. The bank's tiered rewards system seems designed to benefit customers with at least $25,000 in their accounts. If you have less than that, you can probably find better terms at a different bank.

Visit U.S. Bank Smartly^® Checking | Learn more in our U.S. Bank Smartly Checking review

U.S. Bank Smartly® Checking

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2025 award winner Best for Bonuses

• Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities
• Subject to certain terms and limitations
• Offer valid through June 26, 2025
• Member FDIC
• Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint

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SoFi®

SoFi wasn't included in J.D. Power's annual National Banking Satisfaction Study. But the company does have a 4.3-star rating on Trustpilot, with 81% of users giving it 5 stars. It is also makes our list of the best online banks.

After writing several reviews on SoFi, I pulled the trigger and opened an account. I was attracted to it because of its no monthly fee or minimum balance requirements and interest-earning checking and savings accounts.

I also like that it automatically covers overdraft charges with the money in my savings account without charging me a fee, unlike my credit union that charges $3 every time it uses my own money in savings to cover overdraft charges to my checking account. There are, however, a number of conditions that must be met to qualify for overdraft coverage.⁷ <p>Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with Eligible Direct Deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A.&nbsp; The 30-Day Evaluation Period refers to the "Start Date" and "End Date" set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the "30-Day Evaluation Period"). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking &gt; Savings &gt; Current APY or (ii) Banking &gt; Checking &gt; Current APY.&nbsp; Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.</p>

However, to earn the higher up to 3.80% APY⁸ <p>SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. See the SoFi Plus Terms and Conditions at <a href="https://www.sofi.com/terms-of-use/#plus">https://www.sofi.com/terms-of-use/#plus</a>.</p> on your SoFi savings account, you must meet a range of conditions to be eligible.⁸ <p>SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. See the SoFi Plus Terms and Conditions at <a href="https://www.sofi.com/terms-of-use/#plus">https://www.sofi.com/terms-of-use/#plus</a>.</p> Otherwise, the interest rate on the savings account is just 1.00% (as of 01/24/25) APY. If you don't have direct deposit, you can get the higher interest on your savings account with a SoFi Plus premium membership, which will cost you $10 per month.

Visit SoFi Checking and Savings | Learn more in our SoFi Checking and Savings review

Reach Your Savings Goals Faster

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2025 award winner Best Checking and Savings Combo

SoFi Checking and Savings Benefits

• Earn up to 3.80% APY⁸ <p>SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. See the SoFi Plus Terms and Conditions at <a href="https://www.sofi.com/terms-of-use/#plus">https://www.sofi.com/terms-of-use/#plus</a>.</p> and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits¹⁰ <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement.&nbsp;Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p>
• No account, overdraft, or monthly fees¹ <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
• Get your paycheck up to two days early⁹ <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
• Access additional FDIC insurance up to $3 million⁶ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations.&nbsp;Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at&nbsp;<a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>

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Open an account with SoFi® here

Capital One

Capital One's 360 Checking and Savings accounts are a solid option if you want no monthly fees or minimum balance requirements. Plus, both accounts earn interest: 3.60% APY¹¹ <span>A rate of 3.60% Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 4/25/25. Rates are subject to change at any time before or after account opening.</span> on savings and 0.10% (as of 04/28/25) APY on checking. In J.D. Power's 2024 National Banking Satisfaction Study, Capital One ranked number one. It also takes the top spot in the Mid-Atlantic Region and South Central Region in J.D. Power's 2025 Retail Banking Satisfaction Study.

With Capital One, your funds are pretty accessible in over 70,000 ATM locations. The company does operate some physical branches and "cafes," but there aren't many of those locations compared to Chase and U.S. Bank. Capital One also has one of the best banking apps available.

Learn more in our Capital One 360 review.

Online banking vs. traditional banking

Choosing between an online bank and a traditional brick-and-mortar bank depends on your preferences and the type of banking experience you want. Online banks tend to have lower fees and offer higher interest rates because they don't have the overhead of physical branches. On the other hand, traditional banks provide in-person service, which can be helpful if you value face-to-face interaction. However, you may have to deal with more fees or account restrictions.

The fact that Capital One, which is primarily an online bank, ranks the highest for customer service indicates that online banks are starting to improve in that area, where traditional banks have often had the upper hand.

FAQs

Bottom line

Finding the right bank can be challenging. While many offer low fees and high APYs on accounts, how well you're treated — whether online or off — is just as important.

Capital One offers the best of both worlds with the digital offerings of an online bank, as well as branch locations for those who prefer a traditional bank. Plus, its rankings for outstanding customer service rival many online and traditional banks.

Ultimately, the best bank for you depends on your lifestyle and priorities.

Reach Your Savings Goals Faster

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2025 award winner Best Checking and Savings Combo

SoFi Checking and Savings Benefits

• Earn up to 3.80% APY⁸ <p>SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>. See the SoFi Plus Terms and Conditions at <a href="https://www.sofi.com/terms-of-use/#plus">https://www.sofi.com/terms-of-use/#plus</a>.</p> and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits¹⁰ <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement.&nbsp;Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p>
• No account, overdraft, or monthly fees¹ <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
• Get your paycheck up to two days early⁹ <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
• Access additional FDIC insurance up to $3 million⁶ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations.&nbsp;Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at&nbsp;<a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>

5.0

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Open an account with SoFi® here