$HYSA Compare

Best No-Fee HYSAs

18 accounts · Updated daily · Verified APYs

Every account on this page has a $0 monthly maintenance fee. We re-verify the fee structure every time the published rate moves and de-list any bank that introduces a balance-tier penalty.

A "no-fee" HYSA does not just mean no maintenance fee. We also exclude accounts that charge for outbound ACH, paper statements, or below-minimum balance penalties. The ranking below is sorted by current APY among the survivors.

The ranking

  1. 01
    Varo Savings Account
    FDIC · $0 min · $0.00/mo
    5.00%
    Updated 1d ago
  2. 02
    BrioDirect High-Yield Savings
    FDIC · $5,000 min · $0.00/mo
    4.85%
    Updated 1d ago
  3. 03
    Bask Interest Savings
    FDIC · $0 min · $0.00/mo
    4.65%
    Updated 1d ago
  4. 04
    UFB Secure Savings
    FDIC · $0 min · $0.00/mo
    4.57%
    Updated 1d ago
  5. 05
    CIT Platinum Savings
    FDIC · $100 min · $0.00/mo
    4.55%
    Updated 1d ago
  6. 06
    Wealthfront Cash Account
    FDIC · $1 min · $0.00/mo
    4.50%
    Updated 1d ago
  7. 07
    LendingClub LevelUp Savings
    FDIC · $0 min · $0.00/mo
    4.50%
    Updated 1d ago
  8. 08
    Bread Savings High-Yield Savings
    FDIC · $100 min · $0.00/mo
    4.40%
    Updated 1d ago
  9. 09
    Synchrony High Yield Savings
    FDIC · $0 min · $0.00/mo
    4.35%
    Updated 1d ago
  10. 10
    Barclays Online Savings
    FDIC · $0 min · $0.00/mo
    4.35%
    Updated 1d ago
  11. 11
    Fidelity Cash Management Account
    FDIC · $0 min · $0.00/mo
    4.05%
    Updated 1d ago
  12. 12
    SoFi Checking and Savings
    FDIC · $0 min · $0.00/mo
    4.00%
    Live
  13. 13
    Discover Online Savings Account
    FDIC · $0 min · $0.00/mo
    4.00%
    Updated 1d ago
  14. 14
    Marcus Online Savings Account
    FDIC · $0 min · $0.00/mo
    3.65%
    Live
  15. 15
    Ally Online Savings Account
    FDIC · $0 min · $0.00/mo
    3.20%
    Live
  16. 16
    American Express High Yield Savings
    FDIC · $0 min · $0.00/mo
    3.20%
    Live
  17. 17
    Capital One 360 Performance Savings
    FDIC · $0 min · $0.00/mo
    3.20%
    Live
  18. 18
    Alliant High-Rate Savings
    NCUA · $5 min · $0.00/mo
    3.10%
    Updated 1d ago

Frequently asked

Are no-fee HYSAs really free?

The accounts on this page have no monthly maintenance fee and no minimum balance fee. Some may still charge for wire transfers or expedited ACH — those are optional services and not part of the everyday cost of keeping the account open.

Do no-fee accounts have lower APYs?

No. As of April 2026, several of the highest-yielding accounts in our dataset are also fee-free. The trade-off banks make is usually around branch access or check-writing, not yield.

How often do these rates change?

We refresh every rate on this page once per day via direct scraping of the bank's rate disclosure page. The "updated" badge next to each APY shows exactly when we last verified it.

Are these accounts FDIC-insured?

Yes. Every bank on this list is FDIC-insured up to $250,000 per depositor, per ownership category, except where labeled NCUA (credit unions, also $250,000 federal share insurance).