With the world becoming more and more digitized, banking has also undergone a major transformation. Gone are the days when you had to visit a physical branch to conduct transactions. Today, digital banks have made it possible to manage your finances from the comfort of your home or office. In this article, we have compiled a list of digital banks in the USA that you can consider for your banking needs.
1. Chime
Chime is a mobile-only bank that offers a variety of features such as fee-free overdrafts, early direct deposit, and automatic savings. They also provide a debit card that can be used at over 38,000 ATMs across the country.
2. Ally Bank
Ally Bank is an online-only bank that provides a wide range of banking products such as checking accounts, savings accounts, money market accounts, and CDs. They also offer 24/7 customer support through phone, email, and chat.
3. Axos Bank
Axos Bank is an online bank that provides personal banking, business banking, and lending services. They offer a variety of checking and savings accounts, as well as CDs and money market accounts. They also provide a mobile app that allows you to manage your accounts from anywhere.
4. Capital One 360
Capital One 360 is an online bank that offers checking accounts, savings accounts, CDs, and money market accounts. They also provide investment accounts and credit cards. Their mobile app allows you to deposit checks, pay bills, and transfer funds.
5. Simple
Simple is a mobile-only bank that offers a fee-free checking account, high-yield savings account, and budgeting tools. They also provide a debit card that can be used at over 55,000 ATMs worldwide.
6. Varo Bank
Varo Bank is an online bank that provides a fee-free checking account, high-yield savings account, and personal loan products. They also offer a mobile app that allows you to deposit checks, pay bills, and transfer funds.
7. Aspiration
Aspiration is an online bank that offers a fee-free checking account, high-yield savings account, and investment products. They also provide a debit card that can be used at over 55,000 ATMs worldwide. Aspiration also donates a portion of their profits to charity.
8. Marcus by Goldman Sachs
Marcus by Goldman Sachs is an online bank that offers high-yield savings accounts, CDs, and personal loans. They also provide a mobile app that allows you to manage your accounts from anywhere.
9. Discover Bank
Discover Bank is an online bank that offers a variety of banking products such as checking accounts, savings accounts, money market accounts, CDs, and credit cards. They also provide 24/7 customer support through phone, email, and chat.
10. BankMobile
BankMobile is an online bank that provides personal banking and lending services. They offer a fee-free checking account, savings account, and personal loans. They also provide a mobile app that allows you to manage your accounts from anywhere.
11. Alliant Credit Union
Alliant Credit Union is an online credit union that provides a variety of banking products such as checking accounts, savings accounts, money market accounts, and CDs. They also offer mortgages, auto loans, and personal loans. They provide a mobile app that allows you to manage your accounts from anywhere.
12. SoFi Money
SoFi Money is an online bank that offers a fee-free checking account, high-yield savings account, and investment products. They also provide a mobile app that allows you to manage your accounts from anywhere.
13. TIAA Bank
TIAA Bank is an online bank that provides a variety of banking products such as checking accounts, savings accounts, CDs, and money market accounts. They also offer mortgages, home equity loans, and personal loans. They provide a mobile app that allows you to manage your accounts from anywhere.
14. HSBC Direct
HSBC Direct is an online bank that offers a variety of banking products such as checking accounts, savings accounts, CDs, and money market accounts. They also offer mortgages, home equity loans, and personal loans. They provide a mobile app that allows you to manage your accounts from anywhere.
15. CIT Bank
CIT Bank is an online bank that provides a variety of banking products such as checking accounts, savings accounts, money market accounts, CDs, and home loans. They also provide a mobile app that allows you to manage your accounts from anywhere.
16. Live Oak Bank
Live Oak Bank is an online bank that offers a variety of banking products such as savings accounts, CDs, and personal loans. They also provide lending services to small businesses. They provide a mobile app that allows you to manage your accounts from anywhere.
17. Synchrony Bank
Synchrony Bank is an online bank that provides a variety of banking products such as savings accounts, money market accounts, CDs, and credit cards. They also offer financing options for retail purchases. They provide a mobile app that allows you to manage your accounts from anywhere.
18. American Express National Bank
American Express National Bank is an online bank that offers a high-yield savings account and CDs. They also provide personal loans and credit cards. They provide a mobile app that allows you to manage your accounts from anywhere.
19. Bank of Internet USA
Bank of Internet USA is an online bank that offers a variety of banking products such as checking accounts, savings accounts, money market accounts, and CDs. They also offer home loans and personal loans. They provide a mobile app that allows you to manage your accounts from anywhere.
20. T-Mobile MONEY
T-Mobile MONEY is an online bank that offers a fee-free checking account and high-yield savings account. They also provide a debit card that can be used at over 55,000 ATMs worldwide. They provide a mobile app that allows you to manage your accounts from anywhere.
21. UFB Direct
UFB Direct is an online bank that provides a variety of banking products such as checking accounts, savings accounts, money market accounts, and CDs. They also offer home loans and personal loans. They provide a mobile app that allows you to manage your accounts from anywhere.
22. FNBO Direct
FNBO Direct is an online bank that offers a variety of banking products such as checking accounts, savings accounts, money market accounts, and CDs. They also provide personal loans and credit cards. They provide a mobile app that allows you to manage your accounts from anywhere.
23. MemoryBank
MemoryBank is an online bank that offers a variety of banking products such as checking accounts, savings accounts, and money market accounts. They also provide a debit card that can be used at over 85,000 ATMs worldwide. They provide a mobile app that allows you to manage your accounts from anywhere.
24. PurePoint Financial
PurePoint Financial is an online bank that offers savings accounts, money market accounts, and CDs. They also provide personal loans and credit cards. They provide a mobile app that allows you to manage your accounts from anywhere.
25. Salem Five Direct
Salem Five Direct is an online bank that provides a variety of banking products such as checking accounts, savings accounts, money market accounts, and CDs. They also offer mortgages, home equity loans, and personal loans. They provide a mobile app that allows you to manage your accounts from anywhere.
26. TAB Bank
TAB Bank is an online bank that offers a variety of banking products such as checking accounts, savings accounts, and CDs. They also provide lending services to small businesses. They provide a mobile app that allows you to manage your accounts from anywhere.
27. Sallie Mae Bank
Sallie Mae Bank is an online bank that offers savings accounts, money market accounts, and CDs. They also provide student loans and personal loans. They provide a mobile app that allows you to manage your accounts from anywhere.
28. Vio Bank
Vio Bank is an online bank that offers savings accounts, money market accounts, and CDs. They also provide personal loans and credit cards. They provide a mobile app that allows you to manage your accounts from anywhere.
29. CIT Savings
CIT Savings is an online bank that offers savings accounts, money market accounts, and CDs. They also provide lending services to small businesses. They provide a mobile app that allows you to manage your accounts from anywhere.
30. IncredibleBank
IncredibleBank is an online bank that offers a variety of banking products such as checking accounts, savings accounts, and CDs. They also provide lending services to small businesses. They provide a mobile app that allows you to manage your accounts from anywhere.
In conclusion, the above-listed digital banks in the USA offer a wide range of banking products and services that cater to the needs of different customers. They provide convenient mobile apps that allow you to manage your accounts from anywhere. With digital banks, you can say goodbye to long wait times and physical branch visits. Choose the one that suits your needs and start banking digitally today!