Top Banks Offering 24/7 Customer Service in 2024

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Customer experience can significantly impact your overall banking experience. 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 some of these institutions are even among the best banks.

Earn 3.10% APY with a paired savings account.

no monthly service fee

0.25%

$25

Alliant is one of the best credit unions out there, especially if you want to earn high interest rates on savings, checking, and certificates.

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

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

Alliant Credit Union Review

Earn 4.00% Annual Percentage Yield with a $0 minimum account opening requirement

no monthly service fee

4.00%

$0

The Ally High Yield Savings Account is a great option for anyone who wants savings tools to help save for specific financial goals, or prioritizes an account that doesn't charge standard bank fees.

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

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

Ally Bank Review

Earn 4.10% Annual Percentage Yield (APY) with no account opening minimums, minimum balance requirement or monthly fees.

no monthly service fee

4.10% (as of 10/02/24)

$0

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

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

American Express National Bank Review

no monthly service fee

up to 3.30%

$0

Axos Bank has strong high-yield savings, checking, and money market accounts if you'd like to avoid monthly service fees. But, you can find higher interest rates at some of the best online banks.

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

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

Axos Bank Review

No fees or minimum balance requirements. $0 minimum opening deposit.

no fees

4.60%

$0

N/A

With no minimum opening deposit or monthly fees, BMO's savings accounts are affordable options for those who’d like to build their savings. BMO Alto offers lucrative interest rates on par with some of the best high-yield savings accounts.

Standout feature:BMO Alto, an online-only platform, has a high-yield savings account and CDs with competitive interest rates.

How to contact customer support: Customer support is available by phone. If you get a BMO Alto bank account, you can't go to a BMO branch for customer support.

Earn 0.20% Annual Percentage Yield (APY). $0 minimum deposit. FDIC Insured.

no monthly service fee

0.20%

$0

Charles Schwab Bank is one of the best banks for international travelers, because it doesn't charge foreign transaction fees. It also refunds all fees charged by ATMs worldwide. But if you want to earn high interest rates, you're better off looking elsewhere.

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 customer support: Customer service representatives are available via online chat.

Charles Schwab Review

no monthly service fee

2.00%

$0

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

How to contact customer support: Customer service representatives are available over the phone, by live chat in the app, or through email.

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

Chime Bank Review

Earn 4.35% annual percentage yield on your savings. Open an account with as little as $100 today. Member FDIC.

no monthly service fee

4.35%

$100

The CIT Bank Platinum Savings and CIT Bank Savings Connect Account pay great interest rates that are on par with what best high-yield savings accounts offer right now. The CIT Bank Savings Builder Account and CIT Bank Money Market Account pay above-average rates, but they aren't nearly as competitive.

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 customer support: Customer service representatives are available via online chat.

CIT Bank Review

$4.50 monthly service fee

4.35% (vary by location)

$0

You might like Citi if you live in one of the areas that offers the Citi® Accelerate Savings account, so you can earn a higher savings rate than the national average. The best high-yield savings accounts, however, offer even more competitive savings rates.

Standout feature: Citi's strongest product is its Citi® Accelerate Savings

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

Citi Review

Earn up to 5.00% Annual Percentage Yield (APY). $5 minimum deposit. FDIC Insured.

no monthly service fee

up to 5.00%

$5

You'll find Consumers Credit Union appealing if you enjoy online banking or live near Chicago, Illinois. The credit union has one of the best high-yield checking accounts right now, with a low minimum opening deposit and zero monthly fees.

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 customer support: Customer service representatives are available by phone.

Consumers Credit Union Review

3.60% to 4.75%

$1,000

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 customer support: Customer service representatives are available over the phone.

Delta Community Credit Union Review

Earn 4.10% Annual Percentage Yield (APY). $0 minimum deposit. FDIC Insured.

no monthly service fee

4.10% (as of 9/25/24)

$0

The best high-yield savings accounts offer competitive interest rates and low fees, and the Discover Online Savings Account comes with both. The minimum opening deposit might be especially attractive to new savers who don't meet the higher initial deposits some banks require.

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 customer support: Customer service representatives are available over the phone or through online chat.

Discover Bank Review

no monthly service fee

None

$100

If you live in Texas and are looking for bank accounts with zero monthly service fees and a variety of CD options, then Falcon International Bank may be a good option. The best CD rates at online banks are good options for those who don't live in Texas, though.

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 customer support: Customer service representatives are available over the phone.

$12 monthly service fee

None

$0

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

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

Earn $300 after completing qualified activities until 12/20/2024 with the no-monthly-maintenance-fee Key Smart Checking®

no monthly service fee

None

$10

$300

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

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

KeyBank Review

no monthly service fee

0.05%

$0

Navy Federal Credit Union is one of the best institutions for the military. Its strongest features are probably its 24/7 live customer support and out-of-network ATM refunds.

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 customer support: Customer service is available over the phone.

Navy Federal Credit Union Review

no monthly service fee

0.01%

$5 at a branch, $50 online

Standout feature: 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 customer support: Customer service is available through a secure message.

Regions Bank Review

0.25%

$25

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 customer support: Customer service is available over the phone.

no monthly service fee

None

$0

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 customer support: Customer service is available over the phone.

Service Credit Union Review

no monthly service fee

None

$0

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 customer support: Customer service representatives are available via online chat.

Security Service Credit Union Review

Earn $200 when you deposit at least $10,000 within the first 20 days and maintain at least a $10,000 balance for 90 additional days from the 20th day after account opening (offer expires October 31, 2024)

$5 monthly service fee

0.02%

$0

$200

TD Bank Signature Savings Account pays a higher interest rate than the TD Simple Savings Account on balances of $10,000 or more. However, to get the most out of this account, you'll need to qualify for a relationship rate and meet one of the requirements to waive the monthly service fee. Ultimately, you can find much better rates with the best online banks.

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 customer support: Customer service is available over the phone.

TD Bank Review

$5 monthly service fee

up to 4.10%

$25

U.S. Bank is included in our best national banks guide as the best national bank in the Midwest and West. It's a good choice if you want a brick-and-mortar bank with 24/7 live support. It also has a variety of credit card and lending options, and you can earn significant welcome bonuses when you open checking and savings accounts.

Standout feature: U.S. 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 customer support: Customer service is available over the phone.

U.S. Bank Review

We looked at the national, regional, and online financial institutions featured in our "best of" guides. If a financial institution offered customer service by phone, live chat, or an online or mobile banking feature, we included it in our list.

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. Below, we outline some primary benefits of 24/7 customer service.

Many financial institutions listed in this guide are national banks. They have branches in several different regions or perhaps an online-only presence in all 50 states. Having 24/7 customer support can be of great value to customers of these banks because they don't have to worry about time zone differences when contacting customer service.

Standard bank customer service hours follow a similar structure to branch hours — typically from 9 a.m. to 5 p.m. on weekdays and morning availability on Saturdays.

Another benefit to banking with a financial institution that has 24/7 customer support is that you get immediate banking help via chat or phone when other banks are closed. You also might prefer banking with a financial institution with extended customer service hours if you regularly have schedule conflicts with traditional banking hours.

Numerous banks with 24/7 customer service also have other digital banking features that may be appealing to customers.

For example, some banks listed have a live chat feature so you can communicate directly with a representative through the bank's website. Other banks also have strong mobile banking features with communication features. You'll be sent a message through the app and get a prompt response back.

It can be incredibly beneficial for customers if a bank offers 24/7 customer service because then they'll have access to round-the-clock banking assistance.

Customer support wait times tend to vary from day to night and from bank to bank. Banks with many services will often specify different customer service hours for various products, so it's important to check a bank's website before calling a bank representative.

The bank website will usually mention what times customer service is available.

U.S. banks usually have a specific customer service number for customers traveling abroad. You might find banks with 24/7 automated services, but 24/7 live support services for international customers isn't very common.

A bank with 24/7 customer service can help you address common banking questions or emergencies.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.