There's more than the rate.

Not all banks are created equal. We do the math to prove it.

Every major bank offers a different set of rate discounts, fee waivers, and rewards based on your balances and financial profile. The difference between the best bank for you and the worst can be tens of thousands of dollars. We compare 12 of the largest U.S. banks and show you exactly what each one is worth for your specific situation.

Latest insights

12 banks

Compared side by side

15-year

Total value projection

~2 min

Free, no login needed

Step 1 of 3

Your financial profile

Tell us about your finances. We'll calculate the total value of each bank's relationship benefits for your specific profile and rank them side by side.

Your age *

yrs

Current primary bank *

Life stage *

Annual household income *

Used to project your savings growth and bank tier eligibility over time.

Current savings & investments *

Determines which relationship tier you qualify for at each bank.

Monthly credit card spend *

Savings rate *

🔒 No account connection required · Rough estimates only · Your inputs are saved anonymously to improve this tool.

* Required field

Step 2 of 3

Loans you currently have

Select any loans you currently have. Skip this step if you don't have any.

🏠Mortgage

🚗Auto Loan

🏡HELOC

💳Personal Loan

🎓Student Loan

Step 3 of 3

What matters most to you?

Based on your profile we've highlighted what's most relevant.

What are you looking to do?

When do you plan to buy?

Estimated loan amount (optional)

Loan term

Estimated student loan balance

Total debt to consolidate

Credit card balances, personal loans, or any debt you'd roll into one loan

Would you bank here exclusively: savings and future deposits?

Banks we compare

Loading banks...

What makes banks different

Every bank offers a different combination of mortgage rate discounts, credit card rewards boosts, savings APY, loan pricing, fee waivers, and perks tied to your deposit balance. We calculate the total dollar value of these benefits across 12 banks for your specific profile.

Privacy protected

No names, emails, or account credentials. Inputs are used only to generate results and may be stored anonymously to improve insights.

Your relationship banking results

Also worth considering

All Banks Ranked: 15-Year Cumulative Value Based on relationship banking benefits only: rate discounts, fee waivers, and balance-linked perks. Values carry ±20% real-world variance.

How these estimates work Results are based exclusively on relationship banking benefits tied to your deposit and investment balances, including rate discounts, fee waivers, rewards bonuses, and perks. Product-specific value (credit card rewards, brokerage platforms, app features) is not included. Results reflect a 15-year projection based on publicly available bank data. All figures carry ±20% real-world variance.

Rates, fees, program benefits, and tier thresholds are subject to change by each financial institution at any time. Verify current terms directly with your bank. This tool is for informational and educational purposes only and does not constitute financial, tax, or legal advice.