Top Online Banks Offering 5%+ APY Right Now

What Makes These Accounts Attractive

These high-yield accounts aren't promotional gimmicks. Most offer:

- APYs above 5.00%

- $0 monthly fees

- No or low minimum balance requirements

- FDIC insurance for peace of mind

- Full digital access via apps and web

Some even include features like automatic savings goals, cashback rewards, and integrations with budgeting tools.