Banks with 24/7 Customer Service (2024)

Personal Finance Banking Savings

Written by Sophia Acevedo; edited by Sarah Silbert

Updated

Banks with 24/7 Customer Service (1)

  • Top banks offering 24/7 customer service
  • Criteria for selection
  • Benefits of 24/7 customer support
  • FAQs

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  • Several banks offer 24/7 customer service by phone or live chat.
  • Other banks may have limited hours during the workweek or weekend.
  • If you find it challenging to do banking tasks during business hours, consider changing banks.

Customer experience can significantly impact your overall banking experience. If you can't find time to visit a branch or call a bank during regular business hours, then it's going to be difficult to manage your money.

Thankfully, some banks make it easy to call or message the customer service center at any time of the day. Here's a list of banks that offer 24/7 customer support, and some of these institutions are even among the best banks.

Top banks offering 24/7 customer service

1. Alliant Credit Union

Alliant High-Rate Digital Checking

Start banking

Alliant Credit Union, Member NCUA

Insider’s Rating

4.5/5

Perks

Earn 3.10% APY with a paired savings account.

Fees

no monthly service fee

Annual Percentage Yield (APY)

0.25%

Minimum Opening Deposit

$25

Pros

  • Earn interest
  • No minimum opening deposit
  • No monthly service fees
  • $20/month in out-of-network ATM fee refunds
  • No overdraft fees
  • No incoming wire transfer fee

Cons

  • Compounds interest monthly, not daily
  • $25 outgoing wire transfer fee

Insider’s Take

Alliant is one of the best credit unions out there, especially if you want to earn high interest rates on savings, checking, and certificates.

Alliant High-Rate Digital Checking review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Several ways to become a member; the easiest is to join Foster Care to Success (Alliant will cover your $5 membership fee)
  • 80,000+ free ATMs
  • Alliant does not charge overdraft fees; you can overdraw, but you will not pay a fee. You may also link checking to a savings account and select for funds to automatically transfer to cover overdrawn amount.
  • Interest compounded monthly
  • Federally insured by the NCUA

Standout feature: Alliant Credit Union pays high interest rates on savings, checking, and certificates.

How to contact customer support: Customer service representatives are available over the phone.

Alliant Credit Union Review

2. Ally Bank

Ally Savings Account

Start saving

Ally Bank, FDIC Insured

Insider’s Rating

4.75/5

Perks

Earn 4.20% Annual Percentage Yield with a $0 minimum account opening requirement

Fees

no monthly service fee

Annual Percentage Yield (APY)

4.20%

Minimum Opening Deposit

$0

Pros

  • High APY
  • No minimum opening deposit
  • No monthly service fees
  • Savings buckets help you save for different goals
  • Surprise savings transfers help you save extra money from your checking account

Cons

  • No physical branch locations
  • No way to deposit cash

Insider’s Take

The Ally High Yield Savings Account is a great option for anyone who wants savings tools to help save for specific financial goals, or prioritizes an account that doesn't charge standard bank fees.

Ally Savings Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Create separate savings buckets in a savings account
  • Link to your Ally checking account and enroll in surprise savings transfers to have extra money transferred to savings three times per week
  • Interest compounded daily, paid monthly
  • FDIC insured

Standout feature: Ally pays high interest rates on savings accounts and certificates.

How to contact customer support: Customer service representatives are available over the phone or through online chat.

Ally Bank Review

3. American Express Bank (Member FDIC)

American Express® High Yield Savings Account

Start saving

American Express National Bank, Member FDIC

Insider’s Rating

4/5

Perks

Rate as of 6/17/24

Earn 4.25% Annual Percentage Yield (APY) with no account opening minimums, minimum balance requirement or monthly fees.

Fees

no monthly service fee

Annual Percentage Yield (APY)

4.25% (as of 6/17/24)

Minimum Opening Deposit

$0 to open

Pros

  • Competitive APY
  • No monthly service fees
  • No minimum opening deposit or minimum account balance
  • 24/7 phone support
  • No excess transaction fee

Cons

  • No mobile app for banking customers
  • You must make a deposit within the first 60 days
  • No live online chat

American Express High Yield Savings Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Member FDIC
  • 24/7 account access
  • Earns interest daily, and posts to account monthly

Standout feature:The American Express® High Yield Savings Account is the bank's strongest account. It pays a high interest rate and has a minimum deposit of $0 to open.

How to contact customer support: Customer service representatives are available over the phone.

American Express National Bank Review

4. Axos Bank

Axos Bank Rewards Checking

Start banking

On Axos's website

Insider’s Rating

4.25/5

Perks

Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account using the promo code RC500 and complete qualifying activities by 7/31/24.

Fees

no monthly service fee

Annual Percentage Yield (APY)

The Annual Percentage Yield (APY) is accurate as of 6/20/2024. Rewards Checking accounts are eligible to receive APY reward when criteria is met. The account must be in an open and active status on the last business day of the statement cycle to receive the reward. All daily collected balances up to and including $50,000 will earn interest based on the combined rate rewards. All daily collected balances greater than $50,000 will not earn interest. Qualifying transactions must post and clear the account by the 25th of the month to count towards the monthly qualification cycle. Account transactions may take one or more business days from the transaction date to post to the account. At the time of your statement cycle date, we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply. We will use the daily balance method to calculate the interest. We may change these rewards at the Bank's discretion any time without notice. Fees may reduce earnings.

up to 3.30%

Minimum Opening Deposit

$0

Bonus

Earn up to $500 welcome bonus when you use the promo code RC500 to apply for a Rewards Checking account and complete qualifying activities by 7/31/24.

up to $500

Pros

  • High APY
  • Unlimited out-of-network ATM reimbursem*nts
  • No monthly maintenance fees
  • No overdraft fees
  • No non-sufficient funds fees

Cons

  • No APY if you can't meet qualifications
  • Few mobile app reviews

Insider’s Take

Axos Bank has strong high-yield savings, checking, and money market accounts if you'd like to avoid monthly service fees. But, you can find higher interest rates at some of the best online banks.

Axos Bank Rewards Checking review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.
  • Build your own APY with up to 3.30% APY*
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • No initial deposit requirement
  • Unlimited domestic ATM fee reimbursem*nts
  • Online debit card management
  • Simple, 3-step process for direct deposit

Standout feature: Axos Bank has great high-yield savings, checking, and money market accounts.

How to contact customer support: Customer service representatives are available over the phone or through online chat.

Axos Bank Review

5. BMO Alto

BMO Alto Online Savings Account

Start saving

BMO Bank N.A. Member FDIC

Insider’s Rating

4/5

Perks

No fees or minimum balance requirements. $0 minimum opening deposit.

Fees

no fees

Annual Percentage Yield (APY)

5.10%

Minimum Opening Deposit

$0

Bonus

N/A

Pros

  • High interest rate
  • No minimum opening deposit
  • No minimum balance requirements
  • No monthly maintenance fee

Cons

  • No mobile app
  • Doesn’t accept cash or check deposits
  • Cannot visit a BMO Branch for support

Insider’s Take

With no minimum opening deposit or monthly fees, BMO's savings accounts are affordable options for those who’d like to build their savings. BMO Alto offers lucrative interest rates on par with some of the best high-yield savings accounts.

BMO Alto Online Savings Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Interest compounded daily and deposited monthly
  • FDIC insured

Standout feature:BMO Alto, an online-only platform, has a high-yield savings account and CDs with competitive interest rates.

How to contact customer support: Customer support is available by phone. If you get a BMO Alto bank account, you can't go to a BMO branch for customer support.

BMO Alto Savings Account and CDs

6. Charles Schwab

Schwab Bank High Yield Investor Checking® Account

Start banking

Charles Schwab, FDIC Insured

Insider’s Rating

4.75/5

Perks

Earn 0.45% Annual Percentage Yield (APY). $0 minimum deposit. FDIC Insured.

Fees

no monthly service fee

Annual Percentage Yield (APY)

0.45%

Minimum Opening Deposit

$0

Pros

  • No opening deposit
  • No minimum account balance
  • Unlimited out-of-network ATM reimbursem*nts
  • No foreign transaction fees
  • Free overdraft protection

Cons

  • No way to deposit cash

Insider’s Take

Charles Schwab Bank is one of the best banks for international travelers, because it doesn't charge foreign transaction fees. It also refunds all fees charged by ATMs worldwide. But if you want to earn high interest rates, you're better off looking elsewhere.

Schwab Bank High Yield Investor Checking® Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • 24/7 live online chat
  • When you open a checking account, you automatically open a Charles Schwab brokerage account, too
  • No ATM network, but unlimited ATM fee reimbursem*nts
  • Interest compounded daily, paid monthly
  • FDIC insured

Standout feature: The Schwab Bank High Yield Investor Checking® Account is its most appealing account, with no minimum opening deposit or monthly fees. Charles Schwab also doesn't charge foreign transaction fees and offers unlimited refunds for out-of-network ATM fees.

How to contact customer support: Customer service representatives are available via online chat.

Charles Schwab Review

7. Chime*

Chime Savings Account

Start saving

On Chime's website

Insider’s Rating

4.25/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

2.00%

Minimum Opening Deposit

$0

Pros

  • Competitive APY
  • No minimum opening deposit
  • No monthly service fee
  • Option to round debit card purchases to the nearest dollar and put spare change in savings account
  • Option to automatically save a percentage of your paycheck

Cons

  • Must open Chime Spending Account before savings account
  • Deposit cash at Green Dot locations, which may charge fee

Chime Savings Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Round debit card purchases to the nearest dollar to put spare change into savings account
  • Set up a percentage of your paychecks to be put into savings account
  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Standout feature: Chime has solid checking and savings accounts. There are no monthly fees or minimum opening deposit required.

How to contact customer support: Customer service representatives are available over the phone, by live chat in the app, or through email.

*Chime is an online banking platform, not a bank.

Chime Bank Review

8. CIT Bank

CIT Bank Savings Connect Account

Start saving

CIT Bank, Member FDIC

Insider’s Rating

4/5

Perks

Earn 4.65% annual percentage yield on your savings. Open an account with as little as $100 today. Member FDIC.

Fees

no monthly service fee

Annual Percentage Yield (APY)

4.65%

Minimum Opening Deposit

$100

Pros

  • Competitive APY
  • No monthly service fees
  • No minimum monthly balance requirement

Cons

  • $100 minimum opening deposit

Insider’s Take

The CIT Bank Platinum Savings and CIT Bank Savings Connect Account pay great interest rates that are on par with what best high-yield savings accounts offer right now. The CIT Bank Savings Builder Account and CIT Bank Money Market Account pay above-average rates, but they aren't nearly as competitive.

CIT Bank Savings Connect review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Interest compounded daily, paid monthly
  • FDIC insured

Standout feature: CIT Bank's most appealing account is the CIT Bank Savings Connect Account. The account has a competitive interest rate that's higher than the average savings account.

How to contact customer support: Customer service representatives are available via online chat.

CIT Bank Review

9. Citi

Citi® Accelerate Savings

Read Review

Insider’s Rating

3.75/5

Fees

$4.50 monthly service fee

Annual Percentage Yield (APY)

4.35% (vary by location)

Minimum Opening Deposit

$0

Pros

  • High APY (minimum $0 balance to earn)
  • No opening deposit

Cons

  • You may pay a monthly fee, depending on a variety of factors
  • Other fees depend on which checking account you link to your savings account
  • Not available in certain states
  • BBB gives Citi an F in trustworthiness

Insider’s Take

You might like Citi if you live in one of the areas that offers the Citi® Accelerate Savings account, so you can earn a higher savings rate than the national average. The best high-yield savings accounts, however, offer even more competitive savings rates.

Citi® Accelerate Savings review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Monthly fee depends on whether you link to a Citi checking account, and which checking account you choose
  • You may qualify to have the monthly fee waived, depending on which checking/savings package you have
  • No opening deposit
  • Compounding interest to maximize your savings
  • Not available in CA, CT, MD, NV, NJ, NY, VA, DC, certain parts of FL or IL

Standout feature: Citi's strongest product is its Citi® Accelerate Savings

How to contact customer support: Customer service representatives are available over the phone.

Citi Review

10. Consumers Credit Union

Consumers Credit Union Free Rewards Checking Account

Banks with 24/7 Customer Service (11)

Insider’s Rating

3.75/5

Perks

Earn up to 5.00% Annual Percentage Yield (APY). $5 minimum deposit. FDIC Insured.

Fees

no monthly service fee

Annual Percentage Yield (APY)

up to 5.00%

Minimum Opening Deposit

$5

Pros

  • High APY
  • $5 minimum opening deposit
  • No monthly service fee
  • Early direct deposit
  • Unlimited reimbursem*nts for out-of-network ATM fees

Cons

  • $10 overdraft transfer charge
  • Limited customer support availability
  • Interest compounds monthly, not daily

Insider’s Take

You'll find Consumers Credit Union appealing if you enjoy online banking or live near Chicago, Illinois. The credit union has one of the best high-yield checking accounts right now, with a low minimum opening deposit and zero monthly fees.

Consumers Credit Union Free Rewards Checking Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • To become a member of Consumers Credit Union, pay an initial $5 membership fee and open the Membership Savings Account with at least $5
  • 14 open branches in Chicago, Illinois, and nearby cities
  • Access to over 5,600 shared branches and 60,000 surcharge-free ATMs through the CO-OP Shared Network
  • Earn 3.00% APY on balances up to $10k when you enroll in eDocuments, make 12 debit card transactions per month, and receive $500 per month in deposits
  • Earn 4.00% on balances up to $10k when you meet qualifications for 3.00% and spend $500/month with your CCU credit card
  • Earn 5.00% on balances up to $10k when you meet qualifications for 3.00% and spend $1,000/month with your CCU credit card
  • Earn 0.20% APY on balances between $10k and $25k
  • Earn 0.10% APY on balances over $25k
  • If you don't meet the requirements to earn a rewards interest rate, you'll earn 0.01% APY and you won't get ATM refunds
  • Interest compounded and deposited monthly
  • Federally insured by the NCUA

Standout feature: Consumers Credit Union has a strong rewards checking account. You can earn a high interest rate if you meet the requirements.

How to contact customer support: Customer service representatives are available by phone.

Consumers Credit Union Review

11. Delta Community Credit Union

Delta Community Credit Union CD

Start saving

DCCU, Member NCUA

Insider’s Rating

4/5

Annual Percentage Yield (APY)

3.85% to 4.95%

Minimum Opening Deposit

$1,000

Pros

  • Competitive APY
  • Low-to-standard early withdrawal penalties

Cons

  • $1,000 opening deposit
  • Interest compounded monthly, not daily

Delta Community Credit Union CD review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Credit union with 29 branches in Metro Atlanta, Georgia; 1 branch in Kentucky, Texas, and Utah
  • Free shared branches and ATMs around the US in the CO-OP Shared Branch Network
  • Membership depends on employer/association membership; or you can be a resident of certain counties in Georgia or have a family member who is already a member
  • Term lengths of 6, 12, 24, 36, or 60 months
  • Early withdrawal penalties ranging from 60 to 270 days interest
  • Interest is compounded monthly and paid monthly

Standout feature: Delta Community Credit Union's strongest products are its share certificates. You can get a competitive interest rate. If you need to withdraw money early, its penalties are lower than other institutions.

How to contact customer support: Customer service representatives are available over the phone.

Delta Community Credit Union Review

12. Discover Bank

Discover® Online Savings Account

Start saving

Discover Bank, Member FDIC

Insider’s Rating

4.75/5

Perks

Earn 4.25% Annual Percentage Yield (APY). $0 minimum deposit. FDIC Insured.

Fees

no monthly service fee

Annual Percentage Yield (APY)

4.25% (as of 3/14/24)

Minimum Opening Deposit

$0

Pros

  • Competitive APY
  • No monthly service fee
  • No opening deposit
  • No insufficient funds fee
  • No excess withdrawal fee

Cons

  • Only 1 branch location
  • No debit card unless you open a checking account

Insider’s Take

The best high-yield savings accounts offer competitive interest rates and low fees, and the Discover Online Savings Account comes with both. The minimum opening deposit might be especially attractive to new savers who don't meet the higher initial deposits some banks require.

Discover Online Savings Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • No monthly balance requirements
  • 100% US-based customer service available 24/7
  • No hidden fees
  • Interest compounded daily, paid monthly
  • FDIC insured

Standout feature: Discover Bank has a great online savings account. You can earn a high interest rate, and you don't have to deal with monthly fees.

How to contact customer support: Customer service representatives are available over the phone or through online chat.

Discover Bank Review

13. Falcon International Bank

Falcon International Bank Regular Checking Account

Start banking

On Falcon International Bank's website

Insider’s Rating

3.5/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$100

Pros

  • No monthly service fee
  • MasterCard debit card offering

Cons

  • $100 minimum opening deposit
  • $35 overdraft fee
  • $5 fee for paper statements
  • $4 transaction fee for out-of-network ATMs
  • $5 fee if you don't use your account after 90 days

Insider’s Take

If you live in Texas and are looking for bank accounts with zero monthly service fees and a variety of CD options, then Falcon International Bank may be a good option. The best CD rates at online banks are good options for those who don't live in Texas, though.

Falcon International Bank Regular Checking Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Hispanic American-owned
  • 24 ATM locations, $4 transaction fee for out-of-network ATMs
  • With overdraft protection there is a $35 charge
  • 18 branches in Texas
  • Member FDIC

Standout feature: Falcon International Bank has a good checking account for Texas residents. With the Falcon International Bank Regular Checking Account, there's no minimum opening deposit and zero monthly service fees.

How to contact customer support: Customer service representatives are available over the phone.

14. FirstBank

FirstBank Anywhere Checking Account

Start banking

1ST Bank, Member FDIC

Insider’s Rating

4/5

Fees

$12 monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$0

Pros

  • No minimum opening deposit
  • Overdraft protection available

Cons

  • $2.50 out-of-network ATM fee
  • $34 overdraft fee
  • $20/year or $10/day overdraft transfer fee

Product Details

  • Access to over 100 locations and 200 ATMs in AZ, CA, CO
  • Overdraft protection plans that lets you link your checking account to a savings account
  • If you utilize overdraft protection, there's either a $20/year or $10/day transfer fee
  • Member FDIC

Standout feature: FirstBank has over 100 branches in Arizona, California, and Colorado. Its checking account has a $0 minimum opening deposit.

How to contact customer support: Customer service representatives are available over the phone.

15. KeyBank

Key Smart Checking®

Banks with 24/7 Customer Service (16)

Insider’s Rating

4/5

Perks

Earn $200 after completing qualified activities until 07/19/2024 with the no-monthly-maintenance-fee Key Smart Checking®

Fees

no monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$10

Bonus

Earn $200 after making a $10 minimum opening deposit plus one direct deposit of at least $500 within the first 60 days of account opening (open account by 07/19/2024)

$200

Pros

  • No minimum balance
  • No monthly service fees
  • Overdraft protection
  • Account alerts to avoid overdrawing
  • $10 minimum opening deposit

Cons

  • $3 out-of-network ATM fee (within the U.S.)
  • $20 overdraft fee

Key Smart Checking® review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn $200 after qualified activities until 07/19/2024 with the no-monthly-maintenance-fee Key Smart Checking®
  • Open a Key Smart Checking® account online by July 19, 2024
  • Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening
  • Approximately 1,000 branches in 15 states across the U.S.
  • Over 40,000 free ATMs through the KeyBank and Allpoint ATM networks
  • To avoid overdraft fees, you may link your checking account to a savings account or get a line of credit
  • With Key Coverage Zone, if the unexpected happens and your account’s overdrawn up to $20 at the end of the day, KeyBank won’t charge you an overdraft fee
  • Member FDIC

Standout feature: KeyBank offers a checking account with zero monthly service fees and free overdraft protection.

How to contact customer support: Customer service is available over the phone.

KeyBank Review

16. Navy Federal Credit Union

Navy Federal Free Active Duty Checking™ Account

Read Review

Insider’s Rating

4.5/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

0.05%

Minimum Opening Deposit

$0

Pros

  • No minimum opening deposit
  • Refunds up to $20 per month in out-of-network ATM fees
  • Receive direct deposits one day before payday
  • No monthly service fee if you set up military direct deposits
  • Free personalized checks
  • 3 overdraft protection options: savings transfer, line of credit, or optional overdraft protection service

Cons

  • Interest compounded monthly, not daily
  • Free Active Duty Checking is only for active military, retired military, or reservists

Insider’s Take

Navy Federal Credit Union is one of the best institutions for the military. Its strongest features are probably its 24/7 live customer support and out-of-network ATM refunds.

Navy Federal Free Active Duty Checking™ Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Available to active military, retired military, or reservists
  • Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
  • 354 branches worldwide, including on select military bases
  • 30,000 free ATMs
  • Interest compounded monthly, paid monthly
  • Federally insured by the NCUA

Standout feature: Navy Federal Credit Union has solid account options if you're affiliated with the military. The Navy Federal Free Active Duty Checking™ Account is one of the bank's strongest accounts with the option of early direct deposit.

How to contact customer support: Customer service is available over the phone.

Navy Federal Credit Union Review

17. Regions Bank

Regions LifeGreen® Savings Account

Start saving

Regions Bank, Member FDIC

Insider’s Rating

3.75/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

0.01%

Minimum Opening Deposit

$5 at a branch, $50 online

Pros

  • No monthly service fees
  • You could earn a 1% annual savings bonus
  • $5 minimum deposit when opened at a branch

Cons

  • $50 minimum deposit when opened online
  • Low APY

Regions LifeGreen® Savings Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • 1,300 branch locations in 15 states
  • 2,000 free ATMs
  • To earn the 1% annual bonus (up to $100), set up monthly automatic transfers from your Regions checking account to your LifeGreen Savings account
  • Interested compounded daily, paid monthly
  • FDIC insured

Standout feature: It has about 1,300 branch locations in 15 states and is a good option if you are searching for a bank with a national presence.

How to contact customer support: Customer service is available through a secure message.

Regions Bank Review

18. State Employees Credit Union

Standout feature: State Employees Credit Union has over 273 locations and 1,100 free ATMs in North Carolina. Its checking and savings accounts have low minimum opening deposits and low monthly service fees.

How to contact customer support: Customer service is available over the phone.

19. Service Credit Union

Service Everyday Checking Account

Read Review

Insider’s Rating

4.5/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$0

Pros

  • No minimum opening deposit
  • No monthly service fees
  • No out-of-network ATM fee
  • Earn up to $30 per month in out-of-network ATM refunds, depending on tier level
  • Earn up to 0.75% discount on certain loans, depending on tier level
  • Get paid up to 2 days early
  • Transfer funds from savings for overdraft protection

Cons

  • No ATM fee refunds or loan discounts for Basic tier
  • Limited fee refunds and loan discounts for Direct Deposit tier
  • $5 overdraft transfer fee (no fee for Direct Deposit + tier)

Service Everyday Checking Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council
  • Branches and ATMs in the US and Europe
  • Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +
  • Basic doesn't reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans
  • Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month
  • Federally insured by the NCUA

Standout feature: Service Credit Union has solid account options if you're affiliated with the military and live in New Hampshire or Massachusetts. The Service Everyday Checking Account offers a high interest rate if you meet the requirements.

How to contact customer support: Customer service is available over the phone.

Service Credit Union Review

20. Security Service Credit Union

Security Service Power Checking Account

Start banking

SSFCU, Member NCUA

Insider’s Rating

4.25/5

Fees

no monthly service fee

Annual Percentage Yield (APY)

None

Minimum Opening Deposit

$0

Pros

  • No monthly service fees
  • No minimum opening deposit
  • Overdraft protection available as a transfer from savings or as a line of credit

Cons

  • $1.50 out-of-network ATM fee
  • Doesn't reimburse fees charged by out-of-network ATM providers
  • $2 overdraft transfer fee when you exceed 3 transfers per month

Security Service Power Checking Account review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Join Security Service FCU if you are a member of select military branches at certain military bases; are an employee of the Department of Defense; live, work, worship, study, volunteer, or have a business in CO, TX, or UT; are related to someone who is already a Security Service FCU member
  • 67 branches in CO, TX, and UT; 5,000 shared branches in the CO-OP network
  • Over 30,000 free ATMs in the Security Service FCU, CO-OP, and Stripes networks
  • Federally insured by the NCUA

Standout feature: Security Service Credit Union has solid account options if you're affiliated with the military and live, work, or study in Colorado, Texas, and Utah. The Security Service Power Checking Account has zero monthly fees.

How to contact customer support: Customer service representatives are available via online chat.

Security Service Credit Union Review

21. TD Bank

TD Simple Savings Account

Start saving

TD Bank, Member FDIC

Insider’s Rating

4/5

Perks

Earn $200 when you deposit $10,000 or more in new money within 20 days, then maintain that balance for 90 days from the date the deposit requirement is initially met (Offer ends June 30, 2024)

Fees

$5 monthly service fee

Annual Percentage Yield (APY)

0.02%

Minimum Opening Deposit

$0

Bonus

Earn $200 when you deposit $10,000 or more in new money within 20 days, then maintain that balance for 90 days from the date the deposit requirement is initially met (Offer ends June 30, 2024)

$200

Pros

  • No monthly fee for students, or for adults under age 24 or age 62 or older
  • No monthly fee for the first 12 months, with recurring monthly deposits of $25
  • Mobile check deposit
  • No minimum opening deposit

Cons

  • Low APY
  • $5 monthly service fee

Insider’s Take

TD Bank Signature Savings Account pays a higher interest rate than the TD Simple Savings Account on balances of $10,000 or more. However, to get the most out of this account, you'll need to qualify for a relationship rate and meet one of the requirements to waive the TD Signature Savings - Fees Display. Ultimately, you can find much better rates with the best online banks.

TD Bank review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn $200 when you deposit $10,000 or more in new money within 20 days, then maintain that balance for 90 days from the date the deposit requirement is initially met (Offer ends June 30, 2024)
  • No monthly service fee for students, adults under age 24 or age 62 or older
  • Waive $5 monthly service fee by maintaining $300 minimum daily balance
  • No monthly fee for the first 12 months if you make recurring $25 monthly deposits
  • Interest compounded daily
  • FDIC insured

Standout feature: TD Bank is featured on our best national banks guide. It has over 1,200 branches across 16 states and is a solid option if you're looking for banks with a national presence.

How to contact customer support: Customer service is available over the phone.

TD Bank Review

22. U.S. Bank

U.S. Bank Standard Savings Account

Start saving

On U.S. Bank's website

Insider’s Rating

3.5/5

Perks

Earn up to $100 for opening a new Standard Savings account and completing qualifying activities (offer expires July 31, 2024 )

Fees

$4 monthly service fee

Annual Percentage Yield (APY)

0.01%

Minimum Opening Deposit

$25

Bonus

Earn up to $100 for opening a new Standard Savings account and completing qualifying activities (offer expires July 31, 2024 )

$100

Pros

  • $25 minimum opening deposit
  • You may qualify to waive the monthly fee

Cons

  • Low APY
  • $4 monthly service fee

Insider’s Take

U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.

U.S. Bank review External link Arrow An arrow icon, indicating this redirects the user."

Product Details

  • Earn up to $100 with a new Standard Savings account.
  • -Make new money deposit(s) totaling $15,000 or more by July 31, 2024
  • -Maintain the minimum total account balance of $15,000 or more through October 31, 2024
  • Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
  • Over 2,200 branches in 26 US states
  • Free access to around 4,500 ATMs
  • Waive $4 monthly service fee by maintaining a $300 daily balance, OR average $1,000 monthly balance, OR being under age 18
  • Interest compounded daily, paid monthly
  • FDIC insured

Standout feature: U.S. Bank is featured on our best national banks guide. It has over 3,000 branches across 26 states and is a good option if you're looking for banks with a national presence.

How to contact customer support: Customer service is available over the phone.

U.S. Bank Review

Criteria for selection: How we found 24/7 customer service banks

We looked at the national, regional, and online financial institutions featured in our "best of" guides. If a financial institution offered customer service by phone, live chat, or an online or mobile banking feature, we included it in our list.

Benefits of 24/7 customer support

If you've found it challenging to bank during normal business hours in the past, you may want to find a bank that offers 24/7 customer support. Below, we outline some primary benefits of 24/7 customer service.

Convenience for customers across time zones

Many financial institutions listed in this guide are national banks. They have branches in several different regions or perhaps an online-only presence in all 50 states. Having 24/7 customer support can be of great value to customers of these banks because they don't have to worry about time zone differences when contacting customer service.

Immediate assistance for urgent banking services

Standard bank customer service hours follow a similar structure to branch hours — typically from 9 a.m. to 5 p.m. on weekdays and morning availability on Saturdays.

Another benefit to banking with a financial institution that has 24/7 customer support is that you get immediate banking help via chat or phone when other banks are closed. You also might prefer banking with a financial institution with extended customer service hours if you regularly have schedule conflicts with traditional banking hours.

Enhanced digital banking experience

Numerous banks with 24/7 customer service also have other digital banking features that may be appealing to customers.

For example, some banks listed have a live chat feature so you can communicate directly with a representative through the bank's website. Other banks also have strong mobile banking features with communication features. You'll be sent a message through the app and get a prompt response back.

Customer support frequently asked questions (FAQs)

Why is 24/7 customer service important for a bank?

It can be incredibly beneficial for customers if a bank offers 24/7 customer service because then they'll have access to round-the-clock banking assistance.

Can I expect the same level of service at night as during the day?

Customer support wait times tend to vary from day to night and from bank to bank. Banks with many services will often specify different customer service hours for various products, so it's important to check a bank's website before calling a bank representative.

How do I know if my bank offers 24/7 customer support?

The bank website will usually mention what times customer service is available.

Are there any banks that offer 24/7 support for international customers?

U.S. banks usually have a specific customer service number for customers traveling abroad. You might find banks with 24/7 automated services, but 24/7 live support services for international customers isn't very common.

What types of banking issues can be resolved through 24/7 customer service?

A bank with 24/7 customer service can help you address common banking questions or emergencies.

Sophia Acevedo

Banking Editor

Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics.ExperienceSophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, and budgeting and saving. She is highly knowledgeable about long-term trends in rates and offers at banks across the U.S.Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE accounts, tax-free savings accounts for people with disabilities. She was also a winner of a 2018 California Journalism Awards Campus Contest for her photography.She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circ*mstances and overcoming their fears around money.ExpertiseSophia's expertise includes:

  • Bank accounts
  • Savings and CD rate trends
  • Budgeting
  • Saving
  • How banks operate

EducationSophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.

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SoFi Checking and Savings Earn up to 4.60% APY on savings balances and up to a $300 bonus with qualifying direct deposit. FDIC Insured.

There is no minimum direct deposit amount required to qualify for the 4.60% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (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 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. To earn the $300 bonus, the customer must complete a direct deposit with a minimum initial deposit of $250 in a new SoFi Checking and Savings account within 45 days of clicking to qualify (offer expires 12/31/24).

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

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