There are so many online banks out there, which one should you choose? The chart below should help with your decision!
| N26 used to offer | Ally | mph.bank | |
|---|---|---|---|
| Rewards | Cash Back on debit card spend/discounts on favorite brands and subscriptions | No set reward program-offers promotions occasionally | Referral Rewards:
$1 every month for everyone you refer and they refer, to 6 levels that qualifies (makes 15 debit purchases). Most you can make: $8500/month Debit Purchase tracking tool built for transparency |
| Fees | No min account balance No Overdraft Fee | No min account balance
No overdraft fees |
No min account balance No overdraft fee |
| ATM Fees | Free ATM network 2 free out of network $2 out of network after 2Can’t deposit cash |
Free ATM Network
No fee to use out of network ATM Can’t deposit cash |
Allpoint ATM Network
No fee to use out of network ATM Deposit Cash in ATM Network *available Jan 2021 |
| Sub/Goals Accounts | Yes | Yes | Yes |
| Other fees | Couldn’t find information | RDI $7.50
Outgoing wires $20 Account research fee $25 |
Only 3rd party pass-thru fees
Others charge us, pass thru to customer, no fee on mph.bank’s end. |
| Roundup | Yes | Yes | Yes*
Available 1st Qtr 2021 |
| Mobile Wallets | Apple Pay Google Pay |
Apple Pay
Google Pay Samsung Pay |
Apple Pay Google Pay Samsung Pay |
| Person to Person Payments | MoneyBeam person to person transfer | Zelle | Zelle *
Available in December 2021 |
| Financial Awareness Tools | N/A | Lots of articles on money management | Credit Score and alerts for Transunion
Link and monitor external accounts on bank app Create Budgets and track spending |
| Customer Support | Customer Service:
888-626-0626 |
Customer Service
888-925-2559 |
Customer Service:
800-892-8798 |
Links to N26 departure from the US: https://n26.com/en-us/blog/n26-us-operations
Find out more about mph.bank.
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