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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: Tom Werner/Getty Images October 27, 2022 Karen Bennett is a consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters. Brian Beers is the managing editor for the Wealth team at Bankrate. He oversees editorial coverage of banking, investing, the economy and all things money. Bankrate logo The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you’re managing your money. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Here is a list of our . Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Most banks make it simple to find answers to common questions on their websites, often through a robust FAQ section. But there’s no substitute for live communication with a real person — whether you’re having login trouble or need to order checks, correct a banking error or report fraudulent activity. Customer service hours vary among banks, with many only offering the ability to speak with a representative during business hours. If you prefer wider access to customer service, you might want a bank that allows you to communicate with a live person anytime. These 12 popular banks, presented alphabetically, offer live 24/7 customer support over the phone or through live online chat. Axos Bank
is an online-only bank that provides access to a large network of fee-free ATMs plus unlimited ATM fee reimbursement for some accounts. Over-the-phone customer service is available 24/7 except for Thanksgiving Day and Christmas Day. Alliant Credit Union
Membership in is open to those living and working in communities near its headquarters in Chicago, Illinois. Alliant members can receive around-the-clock support by phone. You can also send a secure message through Alliant’s mobile app, although you may have to wait for an answer. Ally Bank
Customers of can reach a representative at any time over the phone or through live chat on the bank’s website or mobile app. Clicking on “Contact Us” won’t just bring up phone numbers — it will also show you the approximate hold time. American Express National Bank
Customers can reach by phone 24 hours a day, seven days a week. In addition to credit cards, this branchless bank offers a high-yield savings account and a rewards checking account for eligible customers. Chime
is a financial services company that offers a credit card, a checking account and a savings account that pays a return well above the national average. Round-the-clock live support is available through the chat feature in the bank’s mobile app. Discover Bank
issues and offers a handful of consumer bank accounts, many of which pay competitive yields. While the bank only maintains one branch, customers can reach support over the phone around the clock. KeyBank
is a regional bank headquartered in Cleveland, Ohio. It operates more than 1,000 branches spanning 15 states. You can reach the bank over the phone around the clock. It also offers financial wellness reviews in person or on Zoom, during which you can meet with a banker to review your finances and discuss how to reach your goals. Marcus by Goldman Sachs
is an online-only bank offering competitive yields on deposit products like its savings account and certificates of deposit. Customers can access 24/7 help through online chat when logged on to the bank’s website. Navy Federal Credit Union
customer support is available anytime via phone or online chat. Membership in Navy Federal is open to U.S. military members, veterans and their families. The credit union maintains more than 340 branches worldwide, many on military bases. Synchrony Bank
In addition to credit cards, offers a savings account, a money market and CDs with terms from three months to five years. The accounts earn competitive yields and do not require a minimum balance. Customers can reach Synchrony at any time through its around-the-clock online chat service. TD Bank
both provides 24/7 phone support and offers longer branch hours than many other banks. The bank operates more than 1,100 branches along the East Coast, many of which are open for extended hours and on Saturdays and Sundays. U S Bank
is the fifth by assets. It offers access to a large branch network and plentiful ATMs. However, other banks on this list offer higher savings returns. U S Bank representatives can be reached anytime over the phone regarding the bank’s checking, savings and loan accounts. Bottom line
Many banks offer help through self-service tools on their websites and mobile apps. However, if you prefer frequent access to a live customer service representative, you may favor a bank that provides 24/7 support via phone or online chat. Other factors to consider when searching for the right bank for you include , , minimum balance requirements and branch access. SHARE: Karen Bennett is a consumer banking reporter at Bankrate. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters. Brian Beers is the managing editor for the Wealth team at Bankrate. He oversees editorial coverage of banking, investing, the economy and all things money. Related Articles