March 2026's Best Savings Accounts

Axos ONE is a hybrid banking product that combines a high-yield savings account with a checking account, offering competitive interest rates and a streamlined digital banking experience. The account’s standout feature is its savings rate of up to 4.21% APY, which is among the more competitive yields currently available from online banks. Unlike many traditional accounts, Axos ONE has no monthly maintenance fees, no minimum opening deposit and no minimum balance requirements, making it accessible for a wide range of savers.

Another notable aspect of Axos ONE is that it bundles checking and savings together. When certain requirements are met, such as  meeting higher deposit thresholds, customers can unlock the top savings rate and also earn up to 0.51% APY on checking balances. If these requirements aren’t met, the savings rate drops to a lower base rate, which is something prospective customers should keep in mind.

Axos operates as a fully online bank, but it still offers convenient access to cash and everyday banking features. Customers can withdraw funds through a large network of tens of thousands of fee-free ATMs, and some accounts provide limited reimbursements for out-of-network ATM fees. The bank also provides expanded FDIC insurance coverage of up to $2.5 million through its insured deposit program, far above the standard $250,000 limit.

Vio Bank offers a straightforward high-yield savings option designed for customers who primarily want a place to grow their cash. The Vio High Yield Online Savings Account currently earns around 4.03% APY, which is competitive with many online savings accounts on the market. The account requires a $100 minimum opening deposit, but once opened there is no minimum balance required to earn the advertised rate and no monthly maintenance fee, helping savers keep more of the interest they earn.

Vio Bank is a fully digital bank and a division of MidFirst Bank, one of the largest privately held banks in the United States. Because it operates online, it focuses mainly on savings products rather than everyday banking services. The bank offers a high-yield savings account, a money market account and certificates of deposit, but it does not provide checking accounts, debit cards or ATM access, meaning funds typically need to be transferred to an external bank when you want to spend them.

Vio Bank also provides a digital banking platform that allows customers to manage their accounts entirely online. Through its online banking tools and mobile app, users can view balances, transfer money between linked accounts, search transaction history and deposit checks remotely. These features make it easy to monitor and manage savings without visiting a branch.

Synchrony Bank has one of the better savings accounts available today. Its central feature is a 3.50% APY, which is one of the higher rates on the market. There are no minimum deposit requirements with this account, making it a viable option for just about anyone. Beyond that, there are no monthly fees that will eat into your interest earnings.

Synchrony offers a rare set of features for a savings account, as it provides account holders with an ATM card and fee-free ATM access to thousands of machines throughout the U.S. and abroad. It does so through two ATM networks, Plus and Accel, giving it a more robust selection than some other online banks.

Synchrony's mobile app is also fairly highly rated, which is a benefit for any online bank. Through the app, customers can set up Touch ID and Face ID login, deposit checks remotely, live chat with a customer service representative, check their balances and more. The app is available to both Apple and Android mobile users.

The UFB Portfolio Savings account has a strong APY at 3.26%, which is the highest rate on our list. The account also comes with additional perks. You don’t have to worry about fees digging into your hard-earned money. In fact, the bank offers no monthly maintenance fees when you open a high-yield savings account.

Another perk that comes with the UFB Portfolio Savings account is a complimentary ATM Card. The bank also provides a 24/7 customer service hotline, as well as an online chat function and text messaging. You can also reach UFB Preferred Savings over their mobile app and deposit checks no matter where you are. The bank’s locations are in fewer than 10 states, though it has a large free ATM network that’s about 91,000 machines strong.

The Chime High-Yield Savings Account is designed to work alongside Chime’s checking account and focuses on simplicity and automation rather than offering the absolute highest interest rate. The account currently offers 0.75% APY by default, with the opportunity to earn up to 3.00% APY if you qualify for Chime+, which requires a qualifying direct deposit. While the rate isn’t always the highest available among online banks, the account has no monthly fees and no minimum balance requirements, making it easy to start saving with any amount.

One of Chime’s defining features is how tightly its savings account integrates with its checking account and budgeting tools. The savings account must be opened alongside a Chime checking account, and funds are typically transferred between the two when you want to spend money. Chime also offers automatic savings features, including rounding up debit card purchases to the nearest dollar and depositing the difference into savings, or automatically setting aside a portion of each direct deposit.

Although Chime operates entirely online and has no physical branches, it still provides convenient access to everyday banking services. Customers receive a debit card through their checking account and can withdraw cash at tens of thousands of fee-free ATMs nationwide through networks like Allpoint. As with many digital banking platforms, deposits are FDIC-insured through Chime’s partner banks, The Bancorp Bank and Stride Bank, up to standard limits.

The Valley Direct Savings Account boasts a 4.00% APY, which places it near the top of the market. The account has a $1,000 minimum necessary to open. It also has no monthly maintenance fees.

The Valley Direct Savings Account is an online-only offering. This means that you cannot manage your account in-person, even if you visit a Valley Bank branch location. However, if you're looking to open multiple accounts with Valley, just remember that it's regional and has locations in New York, New Jersey, Alabama, and Florida.

Marcus by Goldman Sachs has become one of the top banks in the U.S. when it comes to savings rates, and its Online Savings Account doesn’t disappoint. The offering comes with a 3.65% APY, giving it one of the better rates right now. There's also no minimum balance necessary to get this APY, as the 3.65% rate will apply to any size balance. The Marcus Online Savings Account has no monthly maintenance fees whatsoever.

Although the savings benefits of Marcus are clear, the bank does not have any checking accounts available. So if you’d like the ability to make frequent withdrawals, you’ll have to open a checking account at a different bank.

Marcus also has a number of strong certificate of deposit (CD) offerings ranging from six months to six years.

Capital One Bank’s 360 Performance Savings Account sports a great 3.20% APY (as of 3/12/2026), which ranks among the highest rates in the market. With this account, interest compounds monthly, which can help in the long run.

The 360 Performance Savings Account comes with a lot of perks. First, you don’t need to make a minimum deposit to open the account. That means once you enroll, you can begin saving at a great rate. In addition, the account comes with no monthly fees, which means more money stays in your wallet. 

If you are on the go and need to make a quick trip to an ATM, Capital One has over locations available nationwide. If you want to review your 360 Performance Savings Account’s history and balance, you have flexible options as you can check out Capital One's Apple and Android mobile apps, respectively, and through your computer. These are helpful options to choose from considering Capital One only has branches in eight states, plus Washington, D.C.

American Express is well-known as a credit card company. But it has some significant banking offerings as well. In fact, its High Yield Savings Account account boasts an annual percentage yield (APY) of 3.30% as of 03/02/2026, with $0 minimum to open the account and a minimum of $0 required to receive the APY. 

American Express National Bank, Member FDIC, has $0 in monthly fees for this account, which means everything you save will remain in your balance. The mobile and web banking platforms at American Express are the only ways you can manage your account, as it’s a branchless, online bank. 

Through these mediums, you can check the balances and transaction histories of both your American Express bank and credit card accounts. You can also link up to three outside bank accounts, allowing you to seamlessly send money between them. 

American Express National Bank is a savings-only financial institution. That means you can only open savings accounts and certificates of deposit (CDs), so there are no checking account offerings. If you want a checking account under the same roof as your savings account, Amex might not be a good choice.

Bread Financial has one of the highest APYs on the market at 4.00%. With this high-yield savings account, you don’t have to worry about many fees. Bread Financial offers no monthly fees while maintaining an account. However, the bank does require $100 to become an account holder. 

Bread Financial offers other perks, like free ACH transfers and incoming wire transfers, as well as unlimited deposits via its mobile app. But do be aware that it costs $25 per outgoing wire transfer and $15 per check request.

Outside of online banking, Bread Financial offers the ability for on-the-go customers to track their savings online and while using the mobile app. And while Bread Financial has easy access for online users, the bank has no physical locations, including no ATMs available.