Using online banking accounts and tools really is the only way to go when it comes to your money. Its simple, by using the banks I mention on here, you earn more with your money and have the same FDIC assurance you have with any other bank. They are able to offer much higher rates for everyone because they don’t have the overhead of having a brick and mortar location (utilities, mortgage/rent etc.).

I have spent a lot of time researching different banks and I have a few that I highly recommend. Below, I have assembled a small list of the best banks I have found. The greatest thing about these banks is that you don’t have to worry about silly fees.

Checking Accounts

Click Here To Sign Up For PerkStreet Financial – Checking with Cash Back

Click Here To Sign Up For Ally Checking and/or Savings

Savings Accounts

High Interest Savings Accounts

Personal Finance Management 

Online Personal Finance Tracking and Tools

The best way to manage all of your finances in one place for FREE is Mint.com. It is totally free…forever, and it has tools to help anyone create and edit a budget very easy right on the website. It is so much more than a budget though. Mint lets you see all of your transactions, split your transactions and even track and manage all of your accounts (including everything from IRAs, CDs, Savings, Checking, and any other type of bank or money account you may have) all in one place. Read more about what Mint offers here.

Heard enough? Sign up for Mint.com here.