What do you want out of your bank? Genuinely?

The 21 -year-old wreaking her road through college has different needs from the 33 -year-old whose career is taking off — or the 40 -something who’s certainly settling in financially.

Luckily, it’s 2019, and banking is a whole new ballgame. A bank isn’t only a bank anymore. There’s a bank out there to fit every life-style, financial positions and age. These are a few of our favourites — we gamble we can find one that’s perfect for you.

Pay 31 Times Interest on Your Money

There’s no statute that requires you to bank the old-fashioned path — at a brick-and-mortar bank with a low interest rate on your savings.

It’s time to move your money into the 21 st century. An iOS app announced Varo Money blends traditional bank tools with modern engineering to help its patrons become financially healthy.

Here’s the best part: Pair your Bank Account with a Varo Savings Account where you’ll earn 2.12% annual percentage relent with the opportunity to earn up to 2.80% APY on up to $50,000 in savings. To qualify for the 2.80% pace, you’ll need to have payroll or authority direct lodges of $1,000 or more and approve at the least five acquisitions with your Varo debit card each month .* That’s 31 days — reiterate, 31 days — the average savings account, based on a 0.09% average reported by the FDIC.

Varo exits easy on the rewards, very. As long as “youre using” one of its 55,000 ATMs across the world, you’ll never money fees.

Additionally, you’ll spend no monthly service fees , no minimum match rewards , no foreign transaction rewards and no money substitution rewards. You’ll really pay any rewards blamed by out-of-network ATMs and currency lodge rewards if you lodge cash in-store through Green Dot.

Perfect for: You’re in your 30 s or 40 s. Your profession is moving along nicely. You’re possibly not living paycheck to paycheck, and now you demand your money to work for you. You demand it to be paying fascinate and getting you closer to that nicer automobile, firstly house or reverie vacation.

* Varo exposure: APY is accurate as of January 29, 2019. This charge is variable and may change. No minimum counterbalance required to open account. Balance in savings must be at least $0.01 to earn engage. Situates are FDIC insured to at least $250,000 through The Bancorp Bank; Member FDIC.

Have Your Soup, but No Fees for You!

Nothing breaks your bank suffer like getting pegged repeatedly with costs.

To framed it simply, online notes are easier to use than the traditional banks. They’re cheaper and more accessible.

One of our favorite fellowships, Aspiration, works on a pay-what-is-fair prototype. You choose to set a monthly tip-off, up to $10 or as low-pitched as$ 0, and you can change it anytime.

You won’t get hit with overdraft rewards, either. Instead of forking over $30 a month for the purposes of an overdraft collision, you actually have a chance to earn money on the remaining balance of your account.

Want more? Fine. You got it.

ATM fees, “il be going”!

With Aspiration, you’ll face no ATM fees — domestic or international. ATMs in-network are free, and Aspiration will recoup you the fees for out-of-network ATMs monthly.

Yup. It’s that simple to start living a fee-free life, thanks to Aspiration.

Perfect For: The 20 -something crowd. Hey, whether you’re driving your highway through college or putting in your time at that first large-scale son/ girl job, you can’t yield to have a bank that nickels and dimes you to death with excessive fees.

Stimulate Payday Come to You

Want to get a jump on payday? Tell Chime be your secret weapon.

Unlike most finance institutions, this online bank account doesn’t wait until your settle date to give you access to your fund. As soon as it receives notification of a direct lodge from your bos, it immediately announces those funds to your account.

That means you’ll get your paycheck early — like Samuel Demeny, who recently be changed to Chime. He expends direct accumulation. His corporation technically compensates everyone on Fridays, but Chime gets him access to that currency 2 day earlier than his co-workers.

“The fact that I’m paid on Wednesday versus Friday … facilitates me fund before the weekend even starts, ” Demeny told The Penny Hoarder.

Not everyone is guaranteed the two-day head start Demeny has. That depends on your employer and its financial institution. We talked to another Chime account holder, Lee Best, who gets his paycheck one day ahead of his co-workers — on Wednesday instead of Thursday.

Who doesn’t just wanted to get paid early?

Opening an chronicle with Chime is free and merely takes about five minutes.

Perfect For: The early-2 0-something who is living paycheck to paycheck. Do you get paid on the 15 th but your rent and phone statutes are also due that day? Chime can help you out by making your paycheck accessible a bit ahead of time.

Money In With Big-Time Sign-up Bonuses

If a bank wants your business, what’s in it for you? How about a bit compassion up front? A sign-up bonus is a great way for a bank to get your the enterprises and an even better mode for you to earn some extra money.

Chase gets it.

Visit this Chase Total Checking( r) page* to addres online, or enter your email address to get a unique coupon to take with you to open your note at any Chase branch.

This coupon expires on May 1, 2019, so you’ll need to complete the application before then.

Get a $200 bonus when you open a new Chase Total Checking( r) report and set up direct sediment.

Get a $150 bonus when you open a brand-new Chase Savings( sm) note, deposit a total of $10,000 or more in new money within 20 daylights, and maintain a $10,000 symmetry for 90 epoches. You’re not required to open the savings account to earn the $200 Chase checking bonus. This offer can be accessed at Arizona, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Michigan, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Texas, Utah, Washington, Wisconsin and West Virginia.

Perfect for: Those of you who are in your 40 s and starting to get ahead. You may have will be set up a little piggy bank or disaster savings. Hey, we get it. Not everyone has $10,000 be standing right now. But you will, someday. You will.

Get Paid Ahead of the Game

Life doesn’t ever wait for payday.

Your car breaks down. You have a rapid dentist statute( don’t expect ). Your toilet … ew! Don’t talk about it. Just get it prepared. Fast!

When you can’t wait for payday, wouldn’t it be nice if your bank would give you a little advanced?

MoneyLion does really that. If you sign up for a free MoneyLion Core body, you’ll get a zero-fee current account — no minimum poise, monthly service or overdraft costs. And sure, it’s an all-digital bank, but you’ll have free access to more than 55,000 IRL ATMs.

When you set up direct deposit, you can sound into up to $250 of your paycheck before payday with 0% affair.

Perfect for: Anyone in your 20 s or early 30 s. Even if you’re doing OK, you are not able to have disaster savings stashed apart hitherto. It’s OK. You’ll work on it. In the meantime, wouldn’t it be nice to have a bank that has your back in a pinch?

* Checking proposal is not available to existing Chase checking purchasers, those with fiduciary histories, or those whose accounts have been closed within 90 periods or shut with a negative balance. To receive the $200 checking bonus: 1) Open a brand-new Chase Total Checking account, which is subject to acceptance; 2) Accumulation $25 or more at report opening; AND 3) Have your direct money made to this account within 60 epoches of history opening. Your direct deposit needs to be an electronic money of your paycheck, welfare or government welfares( such as Social Security) from your bos or the governmental forces. After you have completed all the above requirements, we’ll situate the bonus in your new detail within 10 business epoches. You was simply receive one brand-new checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099 -INT.

Account Closing: If your current account is closed within six months after opening, the authorities concerned will rebate the bonus amount at closing.

Editorial Disclosure

This content is not provided by the bank advertiser. Opinions expressed here are author’s alone , not those of the bank advertiser. This place may be compensated through the bank advertiser Affiliate Pro.

Tyler Omoth is a major writer at The Penny Hoarder who loves soaking up the sunlight and discovering innovative ways to help others. He likes banks that have cookies, but that entails something different for online banks. Catch him on Quaver at @Tyomoth.

This was originally published on The Penny Hoarder, which cures millions of books worldwide earn and save money by sharing unique job opportunities, personal narrations, freebies and more. The Inc. 5000 graded The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We accommodate accurate, reliable knowledge. Here’s why you can trust us and how we make money.