analysed 179 financial institutions across nine categories and 6,996 data points across 65 scoring factors.

JPMorgan Chase Bank Pros: – Nearly 5,000 locations – Wide range of products offered Cons: – $4.95 Secure Banking fee can't be waived – No home equity loans or MMSAs

U.S. Bank Pros: – Low checking fee – Wide range of products offered – 0.05% APY for 12-month CD Cons: – Not as many locations as other national banks – Low rates on savings accounts

KeyBank Pros: – No checking fee – Wide range of products offered – 0.05% APY for most CDs Cons: – Savings APY isn't the best in the category – High minimum deposits for CDs

Ally Bank Pros: – Competitive rates on savings and CD – No monthly checking fee – No overdraft fees Cons: – Can find higher rates at a few other online banks

Navy Federal Credit Union Pros: – Competitive APY on savings account – Competitive APY on 1-year CD – No checking account fee Cons: – $1,000 minimum to open 1-year CD – Limits on who can join

Sallie Mae Bank's SmartyPig Account Pros: – No minimum balance to avoid fees – No monthly fee – 1.10% APY – Get $10 for each friend you refer who sets a goal and contributes to it.Cons: – Online only What to look for: Sallie Mae Bank's

Quontic Bank Pros: – 2.86% APY for 60-month CD – 2.01% APY for 12-month CD Cons: – Online-only bank