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How we chose the best domestic banks for 2021-2022:
Selecting our winners for the best national bank, Money started with the 20 largest retail banks in the country, as measured by their assets. Money then partnered with data provider Curinos to review account minimums and qualifications, interest rates, monthly service fees, ATM fees, overdraft fees, overdraft protection fees. overdrafts, insufficient fund charges, debit card replacement fees, domestic wire transfer fees, and online banking capabilities.
In selecting the finalists, priority was given to checking and savings accounts with no monthly or no monthly fees, free ATM withdrawals and higher interest rates. In naming the free accounts, we assumed that customers would agree to receive electronic statements to avoid monthly fees.
When available, we weighed customer service scores from JD Power’s 2020 US Retail Banking Satisfaction Survey, 2021 Online Banking Satisfaction Survey, and Survey 2021 Mobile Banking Satisfaction Rating. The Money Editing Team independently verified the information in September and October.