The 10 best banks for customer service in 2024

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When selecting a bank, customer service is a crucial factor to consider alongside interest rates and account features. Quality customer service can mean 24/7 app access, in-person support, or online chat availability.

Banks that excel in customer satisfaction typically offer multiple service options, robust mobile banking, and extensive ATM networks to meet your needs. 

Best banks for customer service

Ally Bank

Ally Bank provides round-the-clock customer service through multiple channels. Customers can reach representatives via phone, with estimated wait times displayed on both the website and mobile app. The bank also offers live chat support through its online platforms.

Ally Bank ranked third in J.D. Power’s 2024 Banking Satisfaction Study and offers features such as:

• Early access to direct deposit
• Access to 43,000+ fee-free ATMs
• Savings buckets for individual goals
• Automatic round-ups on savings accounts
• No overdraft fees

Of course, the downside is that you don’t have any physical branches to visit.

Charles Schwab

Charles Schwab ranked the highest in overall customer satisfaction in J.D. Power’s study. While they don’t offer 24/7 phone service, they have extensive hours, giving you plenty of opportunities to get your questions answered.

While it’s traditionally an investment brokerage, Charles Schwab offers some unique banking features, including:

• Unlimited ATM rebates on its checking account
• No monthly maintenance fee
• No foreign transaction fees
• Includes a Visa® debit card and Zelle

A downside of the Schwab checking account is that you cannot deposit cash. Instead, you must deposit cash into a different account and transfer it to your Schwab account. While it’s not the end of the world, it does introduce an extra step and a potential delay in fund availability.

Capital One

You likely know Capital One as a credit card company, but did you know they offer robust banking products, too? While it’s mostly an online bank, it does have a handful of branches in about seven states.

On top of their stellar customer service, as noted by their above-average J.D. Power customer satisfaction score, they provide access to 70,000+ fee-free ATMs. Other features you can enjoy include:

• High annual percentage yield (APY) on savings accounts and CDs
• No fees
• Robust mobile app
• Option to deposit cash at CVS stores

The downside is that you’ll likely have to bank online unless you live in a state with branches.

USAA

USAA has five financial centers you can visit in person if you happen to live within the region they are located in. Otherwise, they offer a robust online banking experience and 24/7 access to your account online with features such as:

• Bill pay
• Fast funds transfer
• Mobile Deposit
• Access to over 100,000 fee-free ATMs

Of course, USAA's primary restriction is its membership eligibility, which is limited to active-duty military personnel, veterans, and their immediate family members.

SoFi

If you’re looking to deposit over the standard $250,000 that most banks provide FDIC insurance, look no further than SoFi, which offers FDIC insurance for up to $2 million. It charges no monthly or overdraft fees.

Live customer support is also available seven days a week, so you can even get your banking questions answered on the weekends.

Other features SoFi offers include:

• Up to 2-day early access to your paycheck
• Mobile deposit
• Online bill pay
• No-fee overdraft protection

However, SoFi's product range is notably limited. They only offer checking and savings accounts; there are no options for CDs, money market accounts, or other deposit products.

Quontic

Quontic is another online-only bank that offers great customer service and superior rates. It offers a unique rewards checking account that pays 1.00% back on everyday purchases, up to $50 in rewards monthly. The Quontic high-yield savings account also offers a high APY.

While its customer service isn’t available 24/7, the U.S.-based representatives are available 9 a.m. to 6 p.m. Monday through Friday.

Some of the great features Quontic offers include:

• Access to 90,000+ fee-free ATMs
• No monthly or overdraft fees
• Access to financial tools to track spending
• Access to credit report monitoring

If you’re looking for a bank that pays a high yield on checking and savings, you won’t find it with Quontic. Their checking account APY is much lower and requires at least ten qualifying debit card transactions per month for $10 or more to earn interest.

Discover

While primarily recognized for its credit card offerings, Discover also provides banking services. Discover offers 24/7 customer service, so you never have to worry about getting answers to your questions. In 2023, they ranked second in customer satisfaction on the J.D. Power study for checking accounts and first for savings.

Some of the best features Discover Bank offers include:

• Access to 60,000+ fee-free ATMs
• Option to earn 1% cash back on purchases up to $3,000 per month
• No monthly fees
• Early access to direct deposit

Of course, like most online banks, the lack of physical banks can be problematic if you prefer to bank in person.

Chase Bank

Chase consistently ranks high in J.D. Power's customer satisfaction ratings, a testament to its nationwide presence. With 4,700 branches and over 16,000 ATMs, the bank offers widespread accessibility. Chase offers a large number of banking products and services, and some of its best features include:

• High signup bonuses
• No ATM fees worldwide on some accounts
• 24/7 banking service line for certain account holders
• Online bill pay and mobile banking

The downside is Chase offers rather low APYs on its deposit products, and many of its accounts have monthly fees.

Marcus by Goldman Sachs

Marcus by Goldman Sachs ranked second on the J.D. Powers customer satisfaction survey in the savings account category. Marcus offers 24/7 customer support and several savings account options, including an online savings account and several CDs, each with competitive APYs.

Some of its most notable features include:

• Little to no opening balance is required
• No fees on its savings account
• Daily compounded interest
• Rate bump CD for even greater earnings

A downside of using Marcus by Goldman Sachs is they don’t offer a checking account; there are only savings account options.

American Express

In 2023, American Express tied for third with Ally Bank in the J.D. Power Satisfaction Study. With its 24/7 world-class customer service and fraud monitoring system, it’s easy to see why many like American Express.

Some of the most notable features American Express offers include:

• Debit card rewards
• No monthly fees
• No opening minimum deposit
• Mobile check deposit

To open an American Express checking account, you must have an American Express credit card for at least 35 days, which can be a downside if you don’t want a new credit card.

What to consider when choosing a bank

When choosing a bank, there are several factors to consider:

• Account accessibility: Consider how you access your funds, including the number of ATMs, online access, and whether cash deposits are allowed.
• FDIC/NCUA insurance: Only choose banks with proper insurance to ensure your funds are safe.
• Customer support: Consider how you like interacting with bank personnel, whether online, in person, or over the phone, and compare it to what banks offer.
• Monthly fees: Many banks offer opportunities to waive monthly fees, so compare your options based on their requirements to see if you qualify.
• Types of accounts offered: Look at the range of accounts available, such as checking, savings, money market, and CDs. Choose a bank that offers the specific account types that suit your financial goals.

How we rated these banks

When rating the banks in our list of the banks with the highest customer satisfaction, we considered:

• Overall satisfaction score: We examined TrustPilot and J.D. Power ratings to determine which banks offer the highest level of customer service.
• Customer service quality: Using TrustPilot and J.D. Power, we determined how satisfied customers are with each bank’s service.
• Digital banking experience: We used mobile apps and online banking reviews to determine what current customers like and dislike about the digital banking experience.
• Customer service resolution: Understanding how quickly and well a bank responds to customer service inquiries and issues is key to our rankings.
• Fees: No one likes to pay more than necessary, so we considered banks with options to waive any monthly maintenance fees.
• Interest rates: We looked for banks that offer the highest APYs on most banking products.
• Variety of account types offered: It's best to have a bank that offers multiple account types, so we looked for banks with as much variety as possible.
• How easy it is to open an account: Opening a bank account should be simple. We chose banks that take only a few minutes.
• Security and fraud protection: We looked for banks that offer FDIC insurance and other account security measures.

The bottom line

Focusing on the best banks for customer service ensures you’ll always have the service you need. Finding banks that offer a robust ATM network, accessible features, and easy-to-contact customer service ensures your 100% satisfaction when trying to grow your money and keep it safe.

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.