Top Online Banks Offering 5%+ APY Right Now
What to Watch For
Before opening an account, compare these key features:
| Feature | What to Look For |
|---|---|
| APY Rate | 5.00% or higher |
| Fees | No monthly or maintenance charges |
| Minimum Deposit | As low as $0–$100 to open |
| Transfer Speed | Fast ACH transfers in/out |
| Mobile Banking Features | Intuitive app, instant balance updates |