EverBank

1. 01Which online banks offer the best digital tools for both personal and business banking in the U.S.?0/4
2. 02How can small businesses maximize returns on their operational funds through digital banking solutions?0/4
3. 03How do interest rates for 24-month CDs generally compare to rates for shorter or longer terms?0/4
4. 04What are common issues with mobile check deposit in digital banking apps and how can I avoid them?0/4
5. 05Are cash management accounts a good substitute for high-yield savings or CDs?0/4
6. 06I’m having trouble linking my external bank account to my online savings—what should I check first?0/4
7. 07What are alternatives to traditional brick-and-mortar banks for managing personal and business finances?0/4
8. 08Are high-yield certificates of deposit a good investment option in a rising interest rate environment?0/4
9. 09Is opening a high-rate online savings account worth it for someone who already has a traditional checking account?0/4
10. 10What are the typical fees associated with online banking services for personal accounts?0/4
11. 11Business checking vs. business savings accounts—what are the main differences and best use cases for each?0/4
12. 12What are the best high-yield savings accounts available for U.S. customers?2/4
13. 13How do high-yield savings accounts compare to money market accounts for short-term saving goals?0/4
14. 14What are the advantages of using an online-only bank account for managing personal finances?0/4
15. 15Which banks offer the most competitive interest rates on certificates of deposit right now?0/4

Columns, left to right: OpenAI, Claude, Perplexity, Gemini. Across the study, on 50% of the questions where a company is named, only one AI assistant names it.

“What are the best high-yield savings accounts available for U.S. customers?”

Based on current offerings, here are some of the best high-yield savings accounts available for U.S. customers:

Top Accounts by APY

Axos Bank offers up to 5% for six months when you have a linked checking account and certain deposit requirements are met, though the standard rate after meeting requirements is 4.21% APY.

For accounts without special requirements, Peak Bank offers a 4.27% APY, and EverBank's Performance Savings account pays 4.20% APY on every balance, with no tiers, no direct deposit requirement and no promotional window that expires.

Best for Simplicity and No Minimums …

The AI’s answer as we received it, shortened and not checked for accuracy.

See how every company did, and how this was measured.

These 14 checks ran during the audit and are what the AI readiness part of the overall score counts. The scan above ran later and is stricter on Link headers and Markdown, so a check can pass here and not there.

Read from the website’s own rules file (robots.txt). An asterisk marks a crawler the file names. The rest follow its general rules. “Partly” means only some pages are blocked.