Best Bank Accounts That Let You Name Your Savings Goals for 2026

Wealthfront’s Cash Account earns a competitive 3.55% APY without requiring direct deposit and charges no monthly fees. You can create and name up to eight customizable savings goals, create your own automated plans and set recurring transfers to move money to your savings goals. Additionally, Wealthfront’s account comes with an optional debit card, no withdrawal limits, up to $8 million in FDIC insurance and an APY boost for referrals.

The SoFi Checking & Savings account earns up to 3.30% APY on your savings balance, and you can create up to 20 Vaults to separate your savings goals. You can also name those Vaults to keep things organized and set up savings round-ups to be deposited automatically into one of those Vaults whenever you make a purchase. Also, you earn 0.50% on checking balances. However, to earn up to 3.30% APY on the savings, you must either set up direct deposit or deposit at least $5,000 per month or pay a $10 monthly membership fee for SoFi Plus.

• SoFi terms and conditions

  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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. 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 5/15/2026 and will be available through 12/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% 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 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% 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 9/23/26. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
  
  Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 9/23/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
  
  We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
  
  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. 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 SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
  
  We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
  
  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.
  
  Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
  
  Earn up to 4.40% Annual Percentage Yield (APY) on one SoFi Savings account with a 1.10% APY Boost (added to the 3.30% APY as of 10/20/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/27. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC.

Revolut’s personal accounts offer high APYs and the ability to create up to 100 savings Pockets for sorting and naming your goals. You can name each Pocket, choose an image for them, set goals and then set up automatic transfers. Revolut also offers a savings round-up feature, called spare change, that sounds up your purchases to the nearest dollar and deposits the rounded-up amount into the Pocket or savings account of your choice. Revolut has three plans (Standard, Premium and Metal), each with different APYs for its High-Yield Savings and regular savings, up to 4.00% APY for Metal Plan balances in a high yield account. Regardless of your plan, you’ll get a very competitive rate much higher than national averages. On the downside, Revolut is an online-only option.

• Revolut terms and conditions

  The Annual Percentage Yield (APY) is a variable rate and may change at any time. These APYs are accurate as of 9/1/2026 and apply only to plan users in good standing. Plan fees apply and cancellation fees may apply for Premium and Metal plans. Terms & Conditions apply. No min. balance to open; $0.01 min. to earn APY. 4.00% APY for Metal plan users, 3.75% APY for Premium plan users, and 3.50% APY for Standard plan users with balances held in a Max Rate Savings Account. For balances in other Savings Account, the rate is 3.10% APY Metal, 3.00% for Premium, and 2.90% for Standard. Only 1 Max Rate Savings Account is permitted and is limited to $10,000 USD in user-initiated deposits. The max combined balance of all Savings Account is $250,000 per user. Savings Account services provided by Cross River Bank, Member FDIC, insured up to $250,000.

Ally Bank Savings Account offers up to 3.10% on all balances, with no monthly maintenance fees or opening deposit requirements. With either the Ally checking or savings account, you can create up to 30 “buckets” that let you divide your money into named goals. You can also use a variety of savings tools, such as recurring transfers, Round Ups and Surprise Savings.

Capital One’s 360 Performance Savings earns a solid 3.20% APY with no monthly fees or minimums. While it doesn’t have formal “buckets,” Cap One lets you create up to 25 savings accounts per customer, giving you flexibility to name and fund separate goals. Cap One also has no-monthly-fee teen checking and kid savings accounts options, making it a family-friendly option with easy mobile access and high APYs overall.

Setting up savings buckets is usually quick and easy, and most banks with the feature let you do it right from their app. The exact steps vary by provider, but here’s how to set up SoFi’s Vaults as an example:

1. Log in to SoFi®‘s savings account.
2. Choose Add Vault.
3. Select a pre-named Vault, such as Travel, or customize the Vault’s name.
4. Finish creating the vault and move money from your SoFi Checking account to the Vault, or vice versa.

Some accounts also let you round up purchases or use AI tools to help fund your buckets faster. In the case of SoFi, you can set up round-ups so each debit card purchase is rounded up to the nearest whole dollar, and the rounded-up amount can be transferred to the Vault of your choice.