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.

How we evaluate products

In order to find the banks with the best customer service, we relied on information from the J.D. Power 2024 U.S. National Banking Satisfaction Study. Since this study doesn’t include fintech companies like SoFi, we considered the following:

• Fees
• APY offered on checking and/savings accounts
• Overdraft protection offering
• Other benefits

Bank	Best for	Monthly fees	J.D. Power 2024 National Banking Satisfaction Study score
American Express National Bank, Member FDIC	High-yield savings	None	Not rated
Chase	In-person banking	$12 on Chase Total Checking®; $5 on Chase Savings℠ (waivable)	677/1,000 (658 study average)
U.S. Bank	Military members and seniors age 65 and over	$12 on U.S. Bank Smartly® Checking; $5 on Bank Smartly® Savings (waivable)	660/1,000 (658 study average)
SoFi®	Direct deposit	None on SoFi Checking and Savings1 <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>	Not rated
Capital One	Overall customer satisfaction	None	689/1,000 (658 study average)

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. 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

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

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

SoFi®

Because SoFi is a fintech company and not a bank, it 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

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 <p>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.</p> 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.