$HYSA Compare

Best HYSAs With Debit Card and ATM Access

10 accounts · Updated daily · Verified APYs

Most HYSAs do not come with a debit card. The hybrid accounts on this page give you ATM access while still paying a competitive APY, eliminating the need for a separate checking account at the same bank.

These are typically labeled "cash management accounts" or "checking and savings hybrids" rather than pure savings products.

The ranking

  1. 01
    Varo Savings Account
    FDIC · $0 min · $0.00/mo
    5.00%
    Updated 1d ago
  2. 02
    UFB Secure Savings
    FDIC · $0 min · $0.00/mo
    4.57%
    Updated 1d ago
  3. 03
    Wealthfront Cash Account
    FDIC · $1 min · $0.00/mo
    4.50%
    Updated 1d ago
  4. 04
    LendingClub LevelUp Savings
    FDIC · $0 min · $0.00/mo
    4.50%
    Updated 1d ago
  5. 05
    Synchrony High Yield Savings
    FDIC · $0 min · $0.00/mo
    4.35%
    Updated 1d ago
  6. 06
    Fidelity Cash Management Account
    FDIC · $0 min · $0.00/mo
    4.05%
    Updated 1d ago
  7. 07
    SoFi Checking and Savings
    FDIC · $0 min · $0.00/mo
    4.00%
    Live
  8. 08
    Ally Online Savings Account
    FDIC · $0 min · $0.00/mo
    3.20%
    Live
  9. 09
    Capital One 360 Performance Savings
    FDIC · $0 min · $0.00/mo
    3.20%
    Live
  10. 10
    Alliant High-Rate Savings
    NCUA · $5 min · $0.00/mo
    3.10%
    Updated 1d ago

Frequently asked

Is the APY lower on hybrid accounts?

Historically yes, but in 2026 the gap has narrowed. Several hybrid accounts on this page match or beat pure-savings products from major online banks.

Are hybrid accounts FDIC-insured?

Yes — they are still bank deposit accounts. Brokerage cash-management accounts use a sweep program that places your cash at FDIC-insured partner banks.