: Some accounts, like Openbank, require at least $500 to open, while others like LendingClub have no minimum deposit.
The for April 2026 offer rates as high as 5.00% APY , significantly outperforming the national average of approximately 0.40%. Top High-Yield Savings Accounts (April 2026) best online high interest savings account
: Operates via mobile banking only; deposits are limited to wire transfers or Plaid (no direct deposits or ACH). Axos Bank: 4.21% APY : Some accounts, like Openbank, require at least