Americans pay $8 billion in overdraft fees every year.
Source: CFPB Overdraft Fee Report
The worst-rated banks charge the most.
Checking & Savings Complaint Rates
Checking and savings account providers ranked by complaint rate. This category captures account closures, fee disputes and fraud handling failures.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. #1 = the institution with the highest complaint rate per customer in this category. Hover the i icons in the column headers for an explanation of each metric.
Account closure without notice is one of the most common complaints in this category - disproportionately affecting customers at high-growth fintechs whose support infrastructure has not kept pace with user growth. Read our full methodology →
A high complaint rate means when your direct deposit goes missing or a mystery fee appears, you are more likely to wait days while your bills bounce.
When your paycheck does not land on time, when a hold freezes your account without warning, or when fees appear that were never disclosed - your bank's complaint rate predicts how long you will be stuck. At high-complaint banks, customers report account freezes lasting a week or more with no explanation. At the best-rated banks, the same issues are resolved the same day with a phone call.
Opening a new bank account takes under 15 minutes online. Most modern banks offer automated tools that move your direct deposits for you. Run both accounts in parallel for 30 days to make sure nothing slips through.
- ✓Online banks average 40% fewer complaints than traditional high-street banks
- ✓Same-day account opening with no minimum balance at top-rated banks
- ✓FDIC-insured up to $250,000 - equally safe as any major bank
- ✓Top-rated online banks offer 4-5% APY savings vs 0.01% at complaint-heavy banks
These institutions handle complaints the best in this category. Click any name to see their full profile.
Partner links are marked rel="sponsored". ComplaintRate earns a referral fee if you open an account through these links -- at no cost to you. Rankings are independent of commercial relationships and based solely on CFPB + FDIC public data. Read our methodology →
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing