Bank Accounts

Charlie, Chase and SoFi are some of the best free bank accounts for seniors and retirees, with competitive APYs and low deposit requirements.

Banks like SoFi, Chase, Revolut, Wells Fargo and more let you open an account without an SSN, but you’ll need other forms of ID.

Chime provides legitimate banking services through partner banks, which also offer typical FDIC insurance up to $250,000. See our full review here.

Some of the best-rated mobile banking apps include SoFi, Chase, Discover and Wells Fargo. See our full list here.

Walmart doesn’t accept Apple Pay or Google Pay, but it does accept One Pay and Walmart Pay if you want to pay digitally.

The Paze wallet is a new digital wallet available from a few major banks like Bank of America, PNC, Chase, Capital One and Wells Fargo.

One is a free digital spend-and-save account. You can earn up to 5% APY and access a line of credit. But there are limitations.

Wealthfront’s Cash Account has a very high 4.50% APY with no monthly fees and gives you a debit card for spending.

If you get a lump sum of money, putting it in a savings account is a solid plan, but it’s not your only option.

SoFi and Wealthfront both have competitive high-yield savings accounts, but Wealthfront has a higher APY while SoFi has better banking options.