October 28, 2014

Branches: None

Account terms

  • Maintenance fee: $0
  • Interest on all ­balances: 0.95%

Why it’s a winner: The top flat interest rate on a fee-free account, with some sweet perks. For six months in a row of deposits, you get a 2.5% bonus on ­interest; and no withdrawals for six months earns you 2.5% on six months’ earned interest. Together, these boosts can raise your ­effective APY to 1%.

Caveats: For those with high balances, TCF beats Barclays, with a 1.09% yield on over $10,000. Also, ­Barclays does not offer checking.
 

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