When it comes to banks and financial institutions, there are a few that I always recommend and plan to keep using, each for their unique strengths. Here’s a breakdown:
Note that any bank with a link next to it will offer you money as a sign up bonus – who doesn’t like free money?
1. Chase Bank
Chase stands out with its extensive product lineup, accessibility, and reliable branch network. Whether it’s handling day-to-day banking or managing more complex financial needs, Chase is a go-to choice. I also have funds locked up with them, which makes it practical to keep using their services. While their customer service can sometimes be hit-or-miss, their credit card offerings—like the Sapphire lineup—are hard to beat.
2. American Express
American Express is my favorite, but not for traditional banking needs. While they do offer checking accounts, their real value lies in their credit card perks. Amex cards boast industry-leading benefits, cutting-edge technology, and exceptional customer support. If you’re looking for top-tier rewards and service, Amex is the way to go. https://myaz.tech/amexrefer
3. Mercury Bank
Mercury is a newer player I discovered through a sign-up bonus, and it’s been an interesting experience. While I don’t plan to hold large sums with them, they offer some innovative features like revolving cards, near-instant transaction visibility, and access to working capital for consistent users. Definitely worth considering for entrepreneurs and small business owners. https://myaz.tech/mercury
4. Chime
Chime isn’t a bank I’d use to store significant funds, but it’s worth keeping for its no-minimum requirements and generous referral bonus opportunities. https://myaz.tech/chime
5. Current
Similar to Chime, Current is another no-minimum financial service worth holding onto for the referral opportunities. https://myaz.tech/currentbank
6. Upgrade
Upgrade follows the same logic as Chime and Current: no minimum requirements and excellent referral bonuses. Keeping it in my lineup is a no-brainer. https://myaz.tech/upgradechecking
7. MoneyLion
Another platform I hold onto for its referral offerings. MoneyLion isn’t my primary financial tool, but the extras they provide make it worthwhile. https://myaz.tech/moneylion
8. SoFi
SoFi earns a spot on this list for its referral benefits. They also have solid offerings in loans, investments, and savings accounts if you want to explore further. https://myaz.tech/sofi
9. Robinhood Gold
While Robinhood isn’t technically a bank, their Gold membership has been a game-changer for me. At just $5 a month, it offers competitive savings rates for uninvested cash, low-margin borrowing (the lowest I’ve found), and a $1,000 free margin benefit. They also match 3% on IRA contributions, making them a strong choice for long-term financial planning. Their optional checking account is worth considering as well. https://myaz.tech/robinhood
Each of these institutions brings something unique to the table, whether it’s rewards, perks, or referral bonuses. Depending on your financial needs, you might find them just as valuable.
