FDIC-Insured - Backed by the full faith and credit of the U.S. Government
There are so many online banks out there, who do you choose? Hopefully, the below chart will help with your decision!
| N26 used to offer | Chime | mph.bank | |
|---|---|---|---|
| Bank or Fintech? | European Bank | Fintech with US bank partners | US Bank owned by Liberty Savings Bank |
| Rewards | Cash Back on debit card spend/discounts on favorite brands and subscriptions | One time bonuses:
$5 bonus for signing up $100 bonus for direct deposit $100 for referred accounts All hinge on direct deposits* |
Referral Rewards:
$1 every month for everyone you refer and they refer, to 5 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 if approved for SpotMe |
No min account balance No overdraft fee |
| ATM Fees | Free ATM network 2 free out of network $2 out of network after 2 |
Allpoint ATM Network
$2.50 fee for out of network ATM |
Allpoint ATM Network
No fee to use out of network ATM |
| Sub/Goals Accounts | Yes | Yes | Yes |
| 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 |
| Deposits | Mobile Check Deposit
No cash deposit |
Mobile Check Deposit
Cash deposit through Greendot locations with varying fees |
Mobile Check Deposit
Cash deposit through allpoint network |
| Person to Person Payments | MoneyBeam person to person transfer | Zelle Person to Person | Zelle Person to Person * Available in December 2021 |
| Financial Awareness Tools | N/A | Credit Score for Equifax | Credit Score and alerts for Transunion
Link and monitor external accounts on bank app Create Budgets and track spending |
| Support Options | Customer Service:
888-626-0626 |
Customer Service:
844-244-6363 |
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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