9 Excellent
APY | Up to 3.80% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
APY | Up to 3.80% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
9 Excellent
APY | Up to 3.80% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
APY | Up to 3.80% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
9.2 Excellent
APY | 4.00% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
APY | 4.00% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
9.6 Excellent
Fee | $0 per month |
---|---|
Minimum deposit to open | $0 |
Fee | $0 per month |
---|---|
Minimum deposit to open | $0 |
9.4 Excellent
APY | N/A |
---|---|
Fee | From $5.99 per month |
Minimum deposit to open | $150 |
APY | N/A |
---|---|
Fee | From $5.99 per month |
Minimum deposit to open | $150 |
8.8 Great
Fee | $0 per month |
---|---|
Minimum deposit to open | $0 |
Fee | $0 per month |
---|---|
Minimum deposit to open | $0 |
9.6 Excellent
APY | Up to 3.75% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
APY | Up to 3.75% |
---|---|
Fee | $0 per month |
Minimum deposit to open | $0 |
9.6 Excellent
APY | Up to 3.50% |
---|---|
Fee | From $0 per month |
Minimum deposit to open | $0 |
APY | Up to 3.50% |
---|---|
Fee | From $0 per month |
Minimum deposit to open | $0 |
9 Excellent
Fee | $0 per month |
---|---|
Card fee | $0 |
ATM withdrawal | $0 |
Fee | $0 per month |
---|---|
Card fee | $0 |
ATM withdrawal | $0 |
Varo is a top banking option, and unlike many other online accounts, Varo is directly insured by the FDIC. You’ll find most online accounts such as Chime, Current and Honeydue all have banking partners that insure and back the accounts, which can limit what products they offer, though insurance coverage is typically the same.
Overall, Varo’s account has a strong cashback rewards program and a 5% high APY on the savings account when you meet direct deposit requirements. For balances under $5,000, you can earn 5% APY, and for those over $5,000, you’ll earn 2.5% if you direct deposit at least $1,000 per month. The Visa Varo Believe card is a debit-credit card that can build credit history, but you’ll need a Varo account and must manually transfer money to the Varo Believe card to use it. Overall, Varo is a competitive product but not the best choice if you need a joint account or a bank with physical locations.
Zelle transfer limits vary by bank. Some of the banks with the highest Zelle limits include Capital One, SoFi, Chase, PNC and Wells Fargo.
Zelle users can no longer use its standalone app to send or receive money.
Capital One does work with Zelle and has one of the highest Zelle transfer limits available. See how to get started here.
U.S. Bank does integrate with Zelle without needing the discontinued standalone app. Here’s how to use it for personal and business accounts.
Ally and Capital One have similar APYs and no monthly fees, but Ally is online-only and Capital One has some physical locations.
PNC is compatible with Zelle and is easy to integrate. See a step-by-step guide on how to use Zelle with your PNC bank account.
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