$18 trillion in US deposit accounts (FDIC 2024)
Source: FDIC Summary of Deposits · 2024
Checking and savings complaints reflect the most day-to-day friction in banking — overdraft practices, account freezes, and difficulty accessing funds are the dominant themes.
Checking & savings Complaint Rates
Complaints about current accounts, savings accounts, overdraft fees, account closures, and access to funds.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. Hover column headers for metric explanations.
These complaint rates reflect how often customers encounter problems with the accounts they use every day. A high rate suggests systemic issues, not isolated incidents. 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.
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.
We may earn a commission if you open an account through our links. This does not influence our data or rankings, which are derived entirely from federal government sources. Partner links marked rel="sponsored". Full affiliate disclosure · Methodology
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing