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Insider’s experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

  • Several banks offer 24/7 customer service by phone or live chat.
  • Other banks may have limited hours during the workweek or weekend.
  • If you find it challenging to do banking tasks during business hours, you may want to change banks.

Customer experience is a vital component in banking. If you can’t find time to visit a branch or call a bank during regular business hours, then it’s going to be difficult to manage your money.

Thankfully, some banks make it easy to call or message the customer service center at any time of the day. Here’s a list of banks that offer 24/7 customer support, and many of these institutions are featured in one or more of our best bank account guides.

Banks with 24/7 telephone or online chat services

1. Alliant Credit Union

Alliant High-Interest Checking Account


Annual Percentage Yield (APY)

0.25% APY


Minimum Deposit Amount

$0

Alliant Credit Union Alliant High-Interest Checking Account

Alliant High-Interest Checking Account


Annual Percentage Yield (APY)

0.25% APY


Minimum Deposit Amount

$0

On Alliant Credit Union’s website


Annual Percentage Yield (APY)

0.25% APY


Minimum Deposit Amount

$0

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Standout feature: Alliant Credit Union pays high interest rates on savings, checking, and certificates. 

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

2. Ally Bank

Ally Ally High Yield Savings Account

Ally High Yield Savings Account


Annual Percentage Yield (APY)

2.25% APY


Minimum Deposit Amount

$0

Ally Ally High Yield Savings Account

Ally High Yield Savings Account


Annual Percentage Yield (APY)

2.25% APY


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

2.25% APY


Minimum Deposit Amount

$0

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Standout feature: Ally pays high interest rates on savings accounts and certificates. 

How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat. 

3. American Express National Bank

American Express National Bank (Member FDIC) American Express® High Yield Savings Account

American Express® High Yield Savings Account


Annual Percentage Yield (APY)

2.15% APY (as of 10/06/2022)


Minimum Deposit Amount

$0

American Express National Bank (Member FDIC) American Express® High Yield Savings Account

American Express® High Yield Savings Account


Annual Percentage Yield (APY)

2.15% APY (as of 10/06/2022)


Minimum Deposit Amount

$0

On American Express National Bank (Member FDIC)’s website


Annual Percentage Yield (APY)

2.15% APY (as of 10/06/2022)


Minimum Deposit Amount

$0

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Standout feature: The American Express® High Yield Savings Account is the bank’s strongest account. It pays a high interest rate and has a $0 minimum opening deposit. 

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

4. Axos Bank

Axos Axos Bank Rewards Checking

Axos Bank Rewards Checking


Annual Percentage Yield (APY)

Up to 1.25% APY


Minimum Deposit Amount

$50

Axos Axos Bank Rewards Checking

Axos Bank Rewards Checking


Annual Percentage Yield (APY)

Up to 1.25% APY


Minimum Deposit Amount

$50


Annual Percentage Yield (APY)

Up to 1.25% APY


Minimum Deposit Amount

$50

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Standout feature: Axos Bank has great high-yield savings, checking, and money market accounts.

How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat. 

5. Blue Federal Credit Union

Blue Federal Credit Union Blue Extreme Checking Account

Blue Extreme Checking Account


Annual Percentage Yield (APY)

1.00% to 2.00% APY


Minimum Deposit Amount

$0

Blue Federal Credit Union Blue Extreme Checking Account

Blue Extreme Checking Account


Annual Percentage Yield (APY)

1.00% to 2.00% APY


Minimum Deposit Amount

$0

On Blue Federal Credit Union’s website


Annual Percentage Yield (APY)

1.00% to 2.00% APY


Minimum Deposit Amount

$0

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Standout feature: The Blue Extreme Checking Account is the credit union’s strongest account; it comes with a high interest rate. Blue FCU also reimburses you up to $28 each month in out-of-network ATM fees

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

6. Capital One 360

Capital One Capital One 360 Performance Savings™

Capital One 360 Performance Savings™


Annual Percentage Yield (APY)

2.20% APY


Minimum Deposit Amount

$0

Capital One Capital One 360 Performance Savings™

Capital One 360 Performance Savings™


Annual Percentage Yield (APY)

2.20% APY


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

2.20% APY


Minimum Deposit Amount

$0

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Standout feature: Capital One 360 pays competitive interest rates on savings, checking, and certificates. 

How to contact 24/7 customer support: Customer service representatives are available via online chat.

7. Charles Schwab

Charles Schwab Bank Schwab Bank High Yield Investor Checking® Account

Schwab Bank High Yield Investor Checking® Account


Annual Percentage Yield (APY)

0.40% APY


Minimum Deposit Amount

$0

Charles Schwab Bank Schwab Bank High Yield Investor Checking® Account

Schwab Bank High Yield Investor Checking® Account


Annual Percentage Yield (APY)

0.40% APY


Minimum Deposit Amount

$0

On Charles Schwab Bank’s website


Annual Percentage Yield (APY)

0.40% APY


Minimum Deposit Amount

$0

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Standout feature: The Schwab Bank High Yield Investor Checking® Account is its most appealing account, with no minimum opening deposit or monthly fees. Charles Schwab also doesn’t charge foreign transaction fees and offers unlimited refunds for out-of-network ATM fees. 

How to contact 24/7 customer support: Customer service representatives are available via online chat.

8. Chase

Chase Chase Savings℠


Annual Percentage Yield (APY)

0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change


Minimum Deposit Amount

$0

Chase Chase Savings℠


Annual Percentage Yield (APY)

0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

0.01% APY effective as of 09/26/2022. Interest rates are variable and subject to change


Minimum Deposit Amount

$0

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Standout feature: Chase has over 4,700 branches in 33 states. It’s a good option if you want a large ATM and branch network.

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

9. Chime*

Chime Chime Savings Account


Annual Percentage Yield (APY)

1.50% APY


Minimum Deposit Amount

$0

Chime Chime Savings Account


Annual Percentage Yield (APY)

1.50% APY


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

1.50% APY


Minimum Deposit Amount

$0

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Standout feature: Chime has solid checking and savings accounts. There are no monthly fees or minimum opening deposit required.

How to contact 24/7 customer support: Customer service representatives are available through email.

*Chime is an online banking platform, not a bank.

10. CIT Bank

CIT Bank CIT Bank Savings Connect Account

CIT Bank Savings Connect Account


Annual Percentage Yield (APY)

2.70% APY


Minimum Deposit Amount

$100

CIT Bank CIT Bank Savings Connect Account

CIT Bank Savings Connect Account


Annual Percentage Yield (APY)

2.70% APY


Minimum Deposit Amount

$100


Annual Percentage Yield (APY)

2.70% APY


Minimum Deposit Amount

$100

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Standout feature: CIT Bank‘s most appealing account is the CIT Bank Savings Connect Account. The account has a competitive interest rate that’s higher than the average savings account.

How to contact 24/7 customer support: Customer service representatives are available via online chat.

11. Citibank

Citi Citi® Accelerate Savings

Citi® Accelerate Savings


Annual Percentage Yield (APY)

2.20% APY


Minimum Deposit Amount

$0

Citi Citi® Accelerate Savings

Citi® Accelerate Savings


Annual Percentage Yield (APY)

2.20% APY


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

2.20% APY


Minimum Deposit Amount

$0

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Standout feature: Citi’s strongest product is its Citi® Accelerate Savings. You can earn a high interest rate if you deposit at least $1.

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

12. Consumers Credit Union

Consumers Credit Union Consumers Credit Union Free Rewards Checking Account

Consumers Credit Union Free Rewards Checking Account


Annual Percentage Yield (APY)

0.01% to 5% APY


Minimum Deposit Amount

$5

Consumers Credit Union Consumers Credit Union Free Rewards Checking Account

Consumers Credit Union Free Rewards Checking Account


Annual Percentage Yield (APY)

0.01% to 5% APY


Minimum Deposit Amount

$5

On Consumers Credit Union’s website


Annual Percentage Yield (APY)

0.01% to 5% APY


Minimum Deposit Amount

$5

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Standout feature: Consumers Credit Union has a strong rewards checking account. You can earn a high interest rate if you meet the requirements.

How to contact 24/7 customer support: Customer service representatives are available via online chat.

Delta Community Credit Union Delta Community Credit Union Certificate of Deposit

Delta Community Credit Union Certificate of Deposit


Annual Percentage Yield (APY)

0.75% to 1.75% APY


Minimum Deposit Amount

$1,000

Delta Community Credit Union Delta Community Credit Union Certificate of Deposit

Delta Community Credit Union Certificate of Deposit


Annual Percentage Yield (APY)

0.75% to 1.75% APY


Minimum Deposit Amount

$1,000

On Delta Community Credit Union’s website


Annual Percentage Yield (APY)

0.75% to 1.75% APY


Minimum Deposit Amount

$1,000

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Standout feature: Delta Community Credit Union’s strongest products are its share certificates. You can get a competitive interest rate. If you need to withdraw money early, its penalties are lower than other institutions.

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

14. Discover Bank

Discover Discover Online Savings Account

Discover Online Savings Account


Annual Percentage Yield (APY)

2.15% APY


Minimum Deposit Amount

$0

Discover Discover Online Savings Account

Discover Online Savings Account


Annual Percentage Yield (APY)

2.15% APY


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

2.15% APY

Rates as of 9/30/22

Show more


Minimum Deposit Amount

$0

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Standout feature: Discover Bank has a great online savings account. You can earn a high interest rate, and you don’t have to deal with monthly fees. 

How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat. 

15. Falcon International Bank

Falcon International Bank Falcon International Bank Regular Checking Account

Falcon International Bank Regular Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100

Falcon International Bank Falcon International Bank Regular Checking Account

Falcon International Bank Regular Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100

On Falcon International Bank’s website


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$100

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Standout feature: Falcon International Bank has a good checking account for Texas residents. With the Falcon International Bank Regular Checking Account, there’s no minimum opening deposit and zero monthly service fees.

How to contact 24/7 customer support: Customer service representatives are available over the phone.

16. FirstBank

FirstBank FirstBank Anywhere Checking Account

FirstBank Anywhere Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

FirstBank FirstBank Anywhere Checking Account

FirstBank Anywhere Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

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Standout feature: FirstBank has over 100 branches in Arizona, California, and Colorado. Its checking account has a $0 minimum opening deposit and charges zero monthly service fees.

How to contact 24/7 customer support: Customer service representatives are available over the phone.

 17. International Bank of Commerce

International Bank of Commerce International Bank of Commerce Free Checking Account

International Bank of Commerce Free Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$10

International Bank of Commerce International Bank of Commerce Free Checking Account

International Bank of Commerce Free Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$10

On International Bank of Commerce’s website


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$10

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Standout feature: International Bank of Commerce has a good free checking account. This Hispanic American bank has 186 branches in Texas and Oklahoma. 

How to contact 24/7 customer support: Customer service is available over the phone.

18. KeyBank

KeyBank KeyBank Smart Checking Account

KeyBank Smart Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$10

KeyBank KeyBank Smart Checking Account

KeyBank Smart Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$10


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$10

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Standout feature: KeyBank offers a checking account with zero monthly service fees and free overdraft protection.

How to contact 24/7 customer support: Customer service is available over the phone.

Latino Community Credit Union Latino Community Credit Union Savings Account

Latino Community Credit Union Savings Account


Annual Percentage Yield (APY)

0.15% APY


Minimum Deposit Amount

$10

Latino Community Credit Union Latino Community Credit Union Savings Account

Latino Community Credit Union Savings Account


Annual Percentage Yield (APY)

0.15% APY


Minimum Deposit Amount

$10

On Latino Community Credit Union’s website


Annual Percentage Yield (APY)

0.15% APY


Minimum Deposit Amount

$10

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Standout feature: Latino Community Credit Union is a Hispanic American-led credit union in North Carolina with several services geared toward Latinos, including customer support in Spanish and English. The Latino Community Credit Union Savings Account is the credit union’s strongest account with no monthly fees. 

How to contact 24/7 customer support: Customer service is available over the phone. You can also send a secure message through online banking.

20. Navy Federal Credit Union

Navy Federal Credit Union Navy Federal Free Active Duty Checking™ Account

Navy Federal Free Active Duty Checking™ Account


Annual Percentage Yield (APY)

0.05% APY


Minimum Deposit Amount

$0

Navy Federal Credit Union Navy Federal Free Active Duty Checking™ Account

Navy Federal Free Active Duty Checking™ Account


Annual Percentage Yield (APY)

0.05% APY


Minimum Deposit Amount

$0

On Navy Federal Credit Union’s website


Annual Percentage Yield (APY)

0.05% APY


Minimum Deposit Amount

$0

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Standout feature: Navy Federal Credit Union has solid account options if you’re affiliated with the military. The Navy Federal Free Active Duty Checking™ Account is one of the bank’s strongest accounts with the option of early direct deposit

How to contact 24/7 customer support: Customer service is available over the phone.

21. Premier Members Credit Union

Premier Members Credit Union Premier Members Credit Union Money Market Account

Premier Members Credit Union Money Market Account


Annual Percentage Yield (APY)

0.10% to 2.00% APY


Minimum Deposit Amount

$5

Premier Members Credit Union Premier Members Credit Union Money Market Account

Premier Members Credit Union Money Market Account


Annual Percentage Yield (APY)

0.10% to 2.00% APY


Minimum Deposit Amount

$5

On Premier Members Credit Union’s website


Annual Percentage Yield (APY)

0.10% to 2.00% APY


Minimum Deposit Amount

$5

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Standout feature: The Premier Members Credit Union Money Market Account is the credit union’s standout product. It pays a high interest rate on low balances. 

How to contact 24/7 customer support: Customer service is available over the phone.

22. Regions Bank

Regions Bank Regions LifeGreen® Savings Account

Regions LifeGreen® Savings Account


Annual Percentage Yield (APY)

0.01% APY


Minimum Deposit Amount

$5 at a branch, $50 online

Regions Bank Regions LifeGreen® Savings Account

Regions LifeGreen® Savings Account


Annual Percentage Yield (APY)

0.01% APY


Minimum Deposit Amount

$5 at a branch, $50 online

On Regions Bank’s website


Annual Percentage Yield (APY)

0.01% APY


Minimum Deposit Amount

$5 at a branch, $50 online

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Standout feature: Regions Bank is featured on our best national banks guide. It has about 1,300 branch locations in 15 states and is a good option if you are searching for a bank with a national presence. 

How to contact 24/7 customer support: Customer service is available over the phone.

23. River City Federal Credit Union

River City Federal Credit Union River City Federal Credit Union Share Certificate

River City Federal Credit Union Share Certificate


Annual Percentage Yield (APY)

1.75% to 3.00% APY


Minimum Deposit Amount

$500

River City Federal Credit Union River City Federal Credit Union Share Certificate

River City Federal Credit Union Share Certificate


Annual Percentage Yield (APY)

1.75% to 3.00% APY


Minimum Deposit Amount

$500

On River City Federal Credit Union’s website


Annual Percentage Yield (APY)

1.75% to 3.00% APY


Minimum Deposit Amount

$500

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Standout feature: River City Federal Credit Union is a Hispanic American-led institution in Texas. It has  share certificates with competitive interest rates and a $500 minimum opening deposit.

How to contact 24/7 customer support: Customer service is available over the phone.

24. State Employees Credit Union

State Employees Credit Union State Employees Credit Union Share Account

State Employees Credit Union Share Account


Annual Percentage Yield (APY)

0.10% APY


Minimum Deposit Amount

$25

State Employees Credit Union State Employees Credit Union Share Account

State Employees Credit Union Share Account


Annual Percentage Yield (APY)

0.10% APY


Minimum Deposit Amount

$25

On State Employees Credit Union’s website


Annual Percentage Yield (APY)

0.10% APY


Minimum Deposit Amount

$25

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Standout feature: State Employees Credit Union has over 273 locations and 1,100 free ATMs in North Carolina. Its checking and savings accounts have low minimum opening deposits and low monthly service fees. 

How to contact 24/7 customer support: Customer service is available over the phone.

25. Service Credit Union

Service Credit Union Service Everyday Checking Account

Service Everyday Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

Service Credit Union Service Everyday Checking Account

Service Everyday Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

On Service Credit Union’s website


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

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Standout feature: Service Credit Union has solid account options if you’re affiliated with the military and live in New Hampshire or Massachusetts. The Service Everyday Checking Account offers a high interest rate if you meet the requirements. 

How to contact 24/7 customer support: Customer service is available over the phone.

26. Security Service Federal Credit Union

Security Service Federal Credit Union Security Service Power Checking Account

Security Service Power Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

Security Service Federal Credit Union Security Service Power Checking Account

Security Service Power Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

On Security Service Federal Credit Union’s website


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

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Standout feature: Security Service Credit Union has solid account options if you’re affiliated with the military and live, work, or study in Colorado, Texas, and Utah. The Security Service Power Checking Account has zero monthly fees. 

How to contact 24/7 customer support: Customer service representatives are available via online chat.

27. Synchrony

Synchrony Synchrony Money Market Account

Synchrony Money Market Account


Annual Percentage Yield (APY)

1.60% APY


Minimum Deposit Amount

$0

Synchrony Synchrony Money Market Account

Synchrony Money Market Account


Annual Percentage Yield (APY)

1.60% APY


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

1.60% APY


Minimum Deposit Amount

$0

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Standout feature: Synchrony Bank pays high interest rates on savings and money market accounts. 

How to contact 24/7 customer support: Customer service representatives are available via online chat.

28. TD Bank

TD Bank TD Simple Savings Account

TD Simple Savings Account


Annual Percentage Yield (APY)

0.02% APY


Minimum Deposit Amount

$0

TD Bank TD Simple Savings Account

TD Simple Savings Account


Annual Percentage Yield (APY)

0.02% APY


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

0.02% APY


Minimum Deposit Amount

$0

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Standout feature: TD Bank is featured on our best national banks guide. It has over 1,200 branches across 16 states and is a solid option if you’re looking for banks with a national presence.

How to contact 24/7 customer support: Customer service is available over the phone.

29. US Bank

US Bank US Bank Standard Savings Account

US Bank Standard Savings Account


Annual Percentage Yield (APY)

0.01% APY


Minimum Deposit Amount

$25

US Bank US Bank Standard Savings Account

US Bank Standard Savings Account


Annual Percentage Yield (APY)

0.01% APY


Minimum Deposit Amount

$25


Annual Percentage Yield (APY)

0.01% APY


Minimum Deposit Amount

$25

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Standout feature: US Bank is featured on our best national banks guide. It has over 3,000 branches across 26 states and is a good option if you’re looking for banks with a national presence.

How to contact 24/7 customer support: Customer service is available over the phone.

Frequently asked questions

Customer service varies at different financial institutions. Some of the options on this list have 24/7 customer support over the phone. Others offer support through live chat or email. 

We include several different types of banks — online banks, national banks, and local banks — so you can see that there are many options out there. You can explore and compare different institutions with 24/7 customer service until you find the right one.

If you’ve found it challenging to bank during normal business hours in the past, you may want to find a bank that offers 24/7 customer support. That way, you can contact a customer service representative when other banks may be closed — after work hours or during the weekend.

When looking at customer service, it’s also a good idea to learn more about the bank’s history. Our reviews have a section on trustworthiness that includes any public controversies an institution has been involved in within the last three years. We also include ratings from the Better Business Bureau, which looks at how an institution responds to customer complaints. 



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