Trust isn't a marketing line. It's our entire business.
Here's exactly how we vet every account, how we make money, and the standards that govern every word we publish. If we don't earn your trust, we don't deserve your visit.
The non-negotiables
FDIC & NCUA Insured Only
We list zero uninsured platforms. Every dollar you deposit through our partners is federally protected up to $250,000 per depositor, per institution.
Editorially Independent
Advertising relationships do not influence our ratings, rankings, or reviews. Our editorial team operates separately from our commercial team.
Fully Transparent
We disclose every partnership, every revenue source, and every methodology decision. No hidden incentives, no quiet endorsements.
Bank-Grade Security
256-bit TLS encryption end-to-end. We never store your bank passwords or full account numbers. SOC 2 Type II compliant infrastructure.
How an account earns a spot on our list
A five-step process. No shortcuts. No exceptions.
Sourcing
We track 120+ FDIC-insured banks and NCUA-insured credit unions across the United States, including online-only, regional, and national institutions.
Verification
Every rate, fee, and benefit is re-verified against the institution's official disclosures every business day before publication.
Scoring
Accounts are scored on 14 weighted criteria: APY, fees, minimums, accessibility, mobile experience, customer service, security, and more.
Ranking
Top performers are ranked by total value to the consumer — not by commission paid to us. Ties are broken by customer satisfaction data.
Review
Senior editors review every recommendation quarterly. Underperformers are removed; new contenders are added.
How we make money — in plain English
PickYourBank.com is free for consumers because some of the banks we list pay us a referral fee when you open an account through our links. This is standard across the industry — what's not standard is how we handle it.
Our editorial team is firewalled from our commercial team. Compensation never determines whether an account appears on the site, what score it receives, or where it ranks. We regularly recommend accounts that pay us nothing — because they're the best option for our readers.
What we will never do
- Accept payment to influence a rating
- Hide negative findings about a partner
- Display a sponsored result without clear labeling
- Sell your personal data to anyone
- Recommend an account we wouldn't use ourselves
The receipts
Registered U.S. business
Delaware C-Corp
Compliance
SOC 2 Type II
Customers served
647,250+
Industry recognition
12 awards since 2021
Five things we'll always do
- 1
We will never recommend an account we wouldn't open ourselves.
- 2
We will always disclose how we make money.
- 3
We will remove any partner that misleads our readers — no exceptions.
- 4
We will publish corrections promptly and visibly when we get something wrong.
- 5
We will never sell, rent, or share your personal information.
See the standards in action
Browse our top-rated accounts and see exactly why each one made the cut.