Online Banking

Online banking has many great benefits that you can take advantage of including convenience, availability, and never having to wait in lines. The availability and features of online banking can include access to your accounts anytime, anywhere; the ability to receive alerts on your accounts and move money between them; pay bills; track spending; and more.

GO2bank

Credit Recommended:
All Credit Types Considered
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Considered
Overdraft Protection
up to $200 with opt-in and eligible direct deposits
Monthly Fee
No monthly fees with eligible direct deposit, otherwise $5 per month
Activation Fee
$0
Apply Now on the issuer’s secure website.
Direct Deposit Fee
$0
ATM Fee
$0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.
Credit Recommended
All Credit Types Considered

Highlights

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
See additional details for GO2bank

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.


Get Started on the issuer’s secure website.
Monthly Fee
$0
Overlimit Fee
$0
Foreign Trans Fee
$0
Get Started on the issuer’s secure website.
Minimum Deposit
$0

Highlights

  • Your Chime® Checking Account comes with a Visa® Debit Card, no monthly fees or minimum balance fees.
  • Over 60,000 fee-free ATMs¹ — more than the top 3 national banks combined!
  • Get paid up to 2 days early with direct deposit, terms apply.²
  • Chime will spot you up to $200 on debit card purchases and cash withdrawals with no overdraft fees. Eligibility requirements and limits apply.³
  • Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.
    ¹Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
    ²Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
    ³Chime SpotMe is an optional service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
See additional details for Chime®

Walmart MoneyCard®

Credit Recommended:
N/A
Apply Now on the issuer’s secure website.
Credit Recommended:
N/A
Activation Fee
$0
Monthly Fee
$0 with eligible direct deposit
Direct Deposit Fee
$0
Apply Now on the issuer’s secure website.
ATM Fee
$2.50
Credit Recommended
N/A

Highlights

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.
See additional details for Walmart MoneyCard®

Extra Card

Credit Recommended:
All Credit Types Considered
Apply Now on the issuer’s secure website.
Credit Recommended:
All Credit Types Considered
Minimum Deposit
$0
Rewards Rate 1
Earn up to 1% in points
Activation Fee
$0
Apply Now on the issuer’s secure website.
Annual Fee
See Terms
Brand Name
Mastercard
Checking Account Required
Yes

Highlights

  • Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.¹
  • No interest. No credit checks. No deposit required.
  • Track your spending & credit score—follow your progress with Credit Journey on the Extra App
  • Earn reward points—earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store¹
  • Use your bank—keep your money where you want, while spending smarter with Extra.¹
  • ¹The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.
See additional details for Extra Card

Get Started on the Self's secure website.
Credit Recommended:
None/Poor
Primary Benefit
Build credit and savings at the same time.
Credit Check
No Hard Credit Check Required
Products Offered
Credit Builder Account and Self Secured Credit Card
Get Started on the Self's secure website.
Credit Recommended
None/Poor
Loan Amount
See website for details*

Highlights

  • If you have an active Credit Builder Account in good standing, 3 on time payments, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the Self Secured Visa Credit Card*, without a hard credit check. Criteria subject to change.
  • Build credit and savings at the same time.
  • Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus.
  • At the end of your plan, unlock the savings you built — minus interest and fees.
  • The Self Visa® Secured Credit Card* is accepted at millions of locations in the U.S.
    *Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. Self Secured Visa® Credit Card issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details. Subject to ID Verification. Individual borrowers must be a U.S. citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval.
Advertiser Disclosure

More about Online Banking…

Online banking is the process of a consumer interacting with a financial institution over the internet. There’s never enough time in the day to get everything done, so save time having to stop by your bank and appreciate all of the banking needs available at your fingertips at any time – not just regular bank hours!

This is a secure process of monitoring, manipulating, and/or applying for additional products or services directly with a financial institution over the internet. Online banking includes the viewing of balances, transactions, statements and documents for their online checking and saving accounts. Consumers can also make payments, check balances, and review account activity or adjustments to their loans or credit cards. Online banking can also allow consumers to control their investment portfolio through online interfaces with their financial institutions.



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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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