Compare US banks with live chat

Bypass the 1-800 and get help via instant message.

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Live chat makes it easier than ever to get connected with a representative from your financial institution. But keep in mind that sensitive financial matters may be better handled over the phone or in person.

Compare accounts from banks with live chat

Name Product Interest rate (APY) Fee Minimum deposit to open
1.90%
$0
$0
Enjoy no monthly fees and a competitive APY with this online-only savings account.
1.90%
$0
$0
Earn one of the highest interest rates without the fees.
2.05%
$0
$1
Get one of the highest interest rates available without high balance requirements or fees.
1.90%
$0
$0
Take advantage of a high-interest online savings account with no fees, no minimums and more.
1.90%
$0
$0
A fee-free online savings account with a great rate for any savings balance.
2.00%
$0
$0
An online high-interest savings account with no minimum deposit or monthly fees.

Compare up to 4 providers

Name Product APY ATMs Fee
Access to HSBC ATMs worldwide, most with no withdrawal fees
$15/month
(can be waived)
Choice Checking offers convenience and value to your day-to-day needs while serving as a gateway for what HSBC has to offer.
1.00% on balances of $100,000+
0.75% on balances of $50,000 to $99,999.99
0.20% on balances of $0 to $49,999.99
39,000+ Capital One and Allpoint ATMs nationwide
$0
A fee-free online checking account you can use anytime, anywhere.
0.25%
39,000+ Capital One and Allpoint ATMs nationwide
$0
A teen checking account with zero fees.
2.15%
Free at more than 9,000 PNC ATMs nationwide
$7/month
(can be waived)
A high interest, short-term savings and a checking account, paired with digital money management tools – all working together to help you better manage your financial life.
0.03%
16,000 fee-free ATMs nationwide
$25/month
(can be waived)
Customize your account to fit your needs and experience a wide array of services from a Big Four bank.
Over 16,000 ATMs
$12/month
(can be waived)
Everyday banking with more ways to waive the monthly fee.

Compare up to 4 providers

What is live chat?

Live chat allows you to receive real time assistance through instant messaging via a bank’s website or app. Ask questions about products, get financial advice, and inquire about your personal accounts without talking on the phone. It’s like texting, but hosted by the bank — and there’s a representative on the other end.

Live chat hours

These financial institutions have customer service representatives on standby to offer real time assistance.

Financial institution Live chat hours How to live chat?
Capital One24/7Log into your online account and click Support.
PNCWeekdays 7 a.m.-10 p.m. Weekends 8 a.m.-5 p.m. ETLog into your account online or through the app and click Chat Online Now.
Bank of America24/7Go to the BoA website, click Contact Us, choose a topic, and Bank of America will show its support options.
CitibankWeekdays 9 a.m.- 8 p.m. ETLog into your account and click Contact Us. Choose a topic and Citibank will show its support options.
DiscoverWeekdays 9 a.m.- 5 p.m. ETLog into your online account, click Help, then choose Message an Agent.
American Express24/7Log into your online account and click Help.
Charles SchwabWeekdays 9:00 a.m.-9:00 p.m. ETGo to the Charles Schwab website and hit Chat.
SynchronyWeekdays 11:00 a.m.-7 p.m. ETGo to Synchrony’s website and click CONTACT US, then Chat with us.
HSBC Direct24/7Go to HSBC’s website, click Contact HSBC, and hit Live Chat Now.
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Pros and cons of using live chat

Live chat’s convenience is alluring, but it isn’t the best route for every question. Here’s what to consider before reaching out:

Benefits of live chat

  • Receive answers in real-time. Live chat offers general advice on the spot, so you don’t need to wait for a response (or spend time listening to elevator music while on hold).
  • Multitask online. Minimize the chat window or open another tab while the representative’s response is pending.
  • Save time on simple solves. Sometimes all it takes is a yes-or-no answer. Live chat lets you get in and out of the conversation without hassle.

Drawbacks of live chat

  • Limited scope. Due to security, there is a limited amount of information that live chat operators can provide about your account. So you may end up rerouted to a phone call anyways.
  • Scripted responses. Whether your counterpart is a bot or live representative, they’ll likely be following a script throughout the conversation. Getting help at a branch location may prove more personable.
  • Possible wait time. Response time depends on whether or not a representative is available. So you could still end up waiting in-queue.

Bottom line

Live chat can be a handy solve, though more complex problems may still require a phone call or brick-and-mortar visit. Access to customer service is just one aspect of choosing a bank that’ll best meet your needs.

Live chat FAQs

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