Business
Discover 2025’s Top 10 Online Banks for Smart Savings
Published
7 months agoon

McKinsey & Company reveals that 73 percent of bank transactions worldwide now take place online, such as in digital banks and payment systems. The increasing demand of customers for more flexible banking options is attributed to the rise in online banking channels. People prefer online banks because they offer simple tools and resources to manage their money. With this trend, online banking is here to stay.
Best Online Banks: A Quick Guide

Image Source: Tima Miroshnichenko from Pexels
An online bank should cater to your financial needs like any traditional alternative. Here are a few factors to consider when choosing online banks:
Annual Percentage Yield (APY)
The annual average yield offered under each account will tell you how much interest your money will earn. When comparing online banks, consider one that offers competitive rates across all of its deposit accounts.
Products and Services
Some online banks offer a complete package of banking products, including checking, savings, certificates of deposit (CDs), and money market accounts. They also offer loans and credit cards. So, look at the products and services offered by online banks before making a decision. You may also combine the services of an online bank with a traditional brick-and-mortar bank.
Account Access
Typically, online banks offer 24/7 access to your account through their website or app. However, you should also consider how the bank handles deposits and withdrawals. It is crucial to know the restrictions, if any, on transfers, the limitations on withdrawals, and whether the bank accepts free cash deposits.
ATM Network
An ATM network is essential if you frequently withdraw or deposit cash. An extensive ATM network will help you avoid transaction fees. If the bank is not associated with a large ATM network, you should look for one that will reimburse out-of-network ATM fees.
Digital Tools
The best online banks offer innovative digital tools to help you accomplish financial goals. For example, Ally will help you organize your savings goals with savings buckets and analyze your spending habits to safely transfer available funds from your checking to your savings account.
Fees
You should avoid any bank, online or otherwise, that charges monthly fees or has extensive requirements to avoid them. Many online banks offer no-fee deposit accounts, require a low or $0 initial deposit to open the account, and don’t need a minimum balance to avoid maintenance fees. However, make sure you know whether the bank charges excessive withdrawal fees, paper statement fees, or fees for other services that you may want to use regularly.
Customer Service
Since you won’t have access to in-person customer service with an online bank, determine how you can contact a customer service representative if needed. Most online banks offer telephone support, live chats, or assistance via email. Some online banks also offer access to live support via extended hours or 24/7.
10 Top-Performing Online Banks

1. Alliant Credit Union
Alliant Credit Union is an NCUA-insured online credit union offering members competitive deposit account rates and minimal fees. Most accounts don’t charge maintenance fees, but these can be waived if you sign up for e-statements. Membership is available for current or former employees of Alliant’s partner businesses in the US. You can also become an Alliant Credit Union Foundation digital inclusion advocate to become eligible for membership. Signing up costs $5, but Alliant will pay the one-time fee on your behalf.
Alliant’s certificates earn solid APYs, with terms ranging from one year to five years. Its savings account earns a respectable yield of 3.10% APY on balances of $100 or more, but there are plenty of higher-yielding savings accounts with APYs over 5%. We like that Alliant’s High-Rate Checking account pays a better yield than other checking accounts and doesn’t require a minimum balance or charge service fees.
2. Varo Bank
Varo offers checking and savings accounts but doesn’t offer deposit certificates. Savings account comes with an APY starting at 2.50%. That rate becomes 5.00% for the first $5,000 if a customer meets the monthly requirements of the bank.
Cash deposits have limits and fees, and Varo customers can only deposit cash at a 3rd party retailer that joins the Green Dot network, including CVS, 7-Eleven, or Walgreens. On the other hand, cash withdrawals can be made through an ATM in the Allpoint network for free.
3. Ally Bank
Established in 2009, Ally Bank is full-service online bank that offers competitive rates on all deposit accounts. Customers can enjoy the highest rates for all balances, regardless of tier. Overall, the high APYs, minimal fees, and reliable customer service support makes Ally an excellent banking solution for millenials who want better savings and retirement plans.
4. Discover Bank
Discover Bank offers deposit accounts, credit cards, personal loans, and student loans. We like that Discover offers deposit accounts, such as CDs, savings, and a money market account, at competitive rates with no fees. While its $2,500 minimum deposit requirement for its CDs is steep, there is no minimum deposit required to open and maintain a savings, money market, or checking account.
5. Laurel Road
Laurel Road, powered by KeyBank, helps healthcare and business professionals achieve their financial goals. They offer student loan refinancing, mortgages, personal loans, credit card, and specialized savings accounts. Laurel Road also offer Loyalty Checking with a low APY. New customers can earn a sign-up and monthly bonus with qualifying direct deposits. In addition, both savings account and checking account has no monthly free or minimum balance requirement.
6. Capital One

Capital One offers an above-average 3.80% APY on its savings account, strong rates on its certificates of deposit, and 0.10% APY on all checking balances. All accounts are free, and customers can access over 70,000 free ATMs.
7. American Express National Bank
This bank offer High Yield Savings Account with a 3.80 APY. Likewise, certifcate deposits (CDs) have competitive rate and there is no minimum opening deposit. You don’t have to worry in case you encounter banking-related issues because American Express National Bank has 24/7 phone support and online chat support.
8. Marcus by Goldman Sachs
Launched in 2016, Marcus is the online-only banking arm of Goldman Sachs, one of the 15 largest banks in the US. The bank’s savings accounts and CDs offer competitive yields and no monthly maintenance fees.
While some online banks offer no minimum deposit requirement to open an account, Marcus requires a $500 deposit to get started with a CD. There’s no minimum deposit requirement for its high-yield savings account. Marcus doesn’t offer a checking account or money market account.
9. My Banking Direct
My Banking Direct is the online-only arm of Flagstar Bank, N.A., which New York Community Bancorp owns. The bank is a lean financial service that offers only savings, checking, and a five-month CD term. The APYs on its savings account and CD are among the best available today.
In addition, the bank doesn’t charge monthly or overdraft fees and provides surcharge-free ATM access through a 55,000 Allpoint and Presto network. To open a savings account, you must deposit $500. Checking accounts can be opened with just $1. During the week, you can access extended customer service hours until 8 p.m. ET and 2 p.m. ET on Sundays.
10. SoFi
SoFi (short for Social Finance) was the brainchild of Stanford Graduate School of Business students who created an alumni-funded lending source initially focused on refinancing student loans. Since then, SoFi has expanded into a variety of loan categories and now offers online checking and savings accounts.
Conclusion
Online banks lets manage your money and account via a website, mobile device, or app. Also, online banks generally offer higher interest rates and fewer fees than traditional banks. You should remember that while technology makes everything accessible, online banks also have some limitations. For instance, online-only or internet-only banks lack in-person interaction. However, if you are comfortable managing your money online, online banks are a convenient and low-cost option.
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Business
Here’s How You Can Scale Your Business Beyond a 7-Figure Revenue
Published
11 hours agoon
January 22, 2026
With the right attitude, courage, and determination, many business owners have proven that achieving a 7-figure revenue is more than possible. However, they can also tell you that going beyond that is where the difficulties start. Here are seven steps to help you scale your business:
1. Leverage Your Unique Selling Point
Ask any seasoned entrepreneur, and they’ll tell you that establishing a unique selling point is essential. It is what will make you cut through all the noise and make your business more agreeable to consumers. Having made the 7-figure mark can mean that you already have this.
What you can do is improve on it. Better product development or superb customer service may be the keys, but it’s more than that. With so many competing for customers’ attention, it pays to have a specialization that can target a smaller market but can pay off so much more in loyalty.
2. Optimize, Optimize, Optimize
A big part of how to scale your business beyond the 7-figure mark is by optimizing every aspect of it as much as you can. This does not necessarily mean gathering more resources or spending more on advertising. The operative word here is optimization.
Take your website to the highest level by optimizing it. Take a closer look at your lead generation strategies and optimize them. Get insights for your sales conversion and create marketing strategies never tried before.
3. Focus on Lead Generation
While maintaining a certain quality level for your business is important, lead generation should always be on your top to-do list. Never take it for granted, and use every available means to generate more. Whether it’s outbound or inbound marketing, make sure that you focus on generating new leads.
Ensure that potential customers get sufficient information about your brand to have them think of you when the need arises. Better yet, create strategies that would make them want and need your services even before this need comes.
4. Get the Most From Sales Conversions
Take a deeper look at your sales conversions and study what happens down the funnel. This way, you can determine what’s working and what’s not. You can then adjust your conversion strategies accordingly. This will help boost lead generation and customer conversions without increasing your acquisition expenses.
While many think that lead generation is the only way to increase revenues, finding out what causes conversions to happen can be crucial. Knowing what stops a customer from buying allows you to nip it in the bud and find ways to purchase.
5. Know Your Customers’ Worth
Provide value to your customers by knowing their worth. This will help you understand what you need to do, acquire, and spend time on. Don’t just focus on bringing in the new customers, aim your attention at your loyal customers.
You can always look at opportunities for upselling, down-selling, and even cross-selling. These are very useful if you want to increase your customers’ lifetime value.
6. Get Busy with Triple-Win Partnerships
Business-to-business plays are advantageous, so use them when you can. Build relationships with companies that you work with. The following are what you can reap when you enter into these triple-win partnerships:
- New customers
- The partners get commissions
- The referred person receives a discount, bonus, or benefit
7. Have a Referral Program in Place
If you still don’t have one, create a referral program for your business. This will make selling easier and faster for you without spending a ton of extra cash. Let your fans and customers do it by offering them perks when they get referrals.
You can set up a system that gets those who refer incentives such as cash, discounts, gifts, and many more. This will get you new solid leads as the referrals come from customers who like your products or services.
Business
Know These Logo Statistics and Facts to Grow Your Business
Published
18 hours agoon
January 22, 2026
A logo is more than just a visual sign for your business. It’s the symbol of your brand’s vision and identity, and carries the weight of your credibility. In 2026, when brands are competing ever so fiercely for the audience’s attention, it has become a crucial part of earning the customers’ trust and loyalty.
Here are a few facts and statistics related to logos to help you make data-driven decisions when it comes to the visual asset that represents your brand, especially now, in a digital-first world.
Brand Recognition

Did you know that 94% of the population can recognize the iconic Coca-Cola logo? Apart from being a huge and long-standing brand, they were able to use the classic red color and the Spencerian script to their advantage. Even if they tweak their logos over the years, they maintain their signature design elements, making it easier for people to identify the brand.
What does this mean for your logo?
There’s nothing wrong with redesigning your logo, most especially if you want to make it relevant and timely. But as much as possible, keep your prominent design elements. Otherwise, the market might be confused.
Cost of Logos

Most people undervalue the work needed to create a compelling logo. Sure, you can get affordable ones online. But the question is, will it represent your brand’s vision and mission?
This is precisely the reason why you need to hire a professional graphic designer. They don’t just create logos based on visual appeal. There is science behind every stroke and color.
Data tells us that the average logo price sits around $800, with high-end lgoo designs costing up to $1,500. That’s not entirely bad news. However, this shows the need for more business owners to understand that logo is an investment.
But let’s make it clear. Paying a huge fee isn’t a guarantee that you will have a good business logo. It still depends on the skills of your designer and how clearly you provided the instructions. Take note that some of the biggest brands like Google and Nike started with cheap and even free logos. So you cannot base the effectiveness of your logo on its cost.
Graphic Designers for Logos
Since there are more than 500,000 freelance graphic designers online, the prices of logos can be extremely low. This is due to the high competition. Yet again, among the 500,000 designers, only a few can deliver superior output.
To be honest, looking for the perfect one can be tedious and time-consuming. We would encourage you to work with on-demand graphic design services as they have already selected the best graphic designers for your logo. Take a look at Penji’s business model, where you only pay a fixed fee every month for unlimited graphic design requests. This includes your logo.
Colors in Your Logo

At first, you might get too excited to design your logo. You would probably ask your designers to go all out and crazy in terms of colors. But remember that the most effective logos only contain one or two colors.
In fact, 81.6% of the largest enterprises in the world use one or two colors in its logo. Looking at the data, they clearly have something in common. And as a startup and medium-sized business, it wouldn’t hurt if you follow their lead.
In addition, the choice of color is important too. Let’s use Starbucks as an example. They use green to symbolize mother earth and universal love. Lo and beyond, it has become a universal drink. This is where color psychology takes place.
Now, you might want to use gradient, but the fact is, only 34 companies in the Fortune 500 use the style. It might be too risky to follow that path.
Symmetrical vs Asymmetrical Designs
According to studies, people perceive asymmetrical logos as an exciting brand. You can see that transition when Burger King changed their logo. If you are about to build one, you might want to stay away from the plain font view and tilt your text, if possible.
Using Hidden Messages on Logos

Many logos have hidden messages. This includes Baskin-Robbins, FedEx, and Tostitos. There are two major reasons for doing it. One, this sends a subliminal message to your audience. Another is that it pays tribute to your company’s legacy. Either way, people love solving hidden messages.
Animated Logo Designs are on the Rise

Since many people have their own gadgets, animating a brand’s logo seems to be the trend. Just take, for example, Google and Netflix. But this takes a different level of expertise. Too much animation can also be a distraction, so you have to use this technique with caution.
Just a quick trivia. This isn’t a new style. Remember MGM Studios’ classic lion? Yet again, it is only recently that companies have taken the approach.
When to Rebrand Your Logo

We’ve already mentioned the possibility of rebranding. But take note that you shouldn’t change your logo just because you feel like it. There should be a strong reason why you would alter the design elements. You need to make sure that corresponding marketing will take place to reintroduce your logo to the market. Here are a few reasons why you might need to rebrand your logo.
- There’s a change in leadership
- Business expansion or mergers
- Outdated logo design
- Recovery from a controversy
You have to be careful when you are about to redesign your logo. According to logo statistics, those who are highly committed to your brand will take the change negatively compared to those who are not highly engaged. This means you have to watch out for your loyal pool of customers when you plan to change your logo.
Cost of a Poor Logo Design on Your Business
In case you are still not convinced about the role of logos in your business, this data might change your perspective.
Data says 60% of consumers don’t support ventures with poorly-designed logos.
Isn’t that counterproductive and impractical?
Conclusion
Learning these logo statistics could help you brainstorm a design that will work best for your company. We also want to enlighten you on how important it is to choose the right graphic designer. If you are to start your logo design project, go back to knowing more about logo statistics and use it as a reference.
Featured Image Credit: Photo by George Milton from Pexels

TLDR: Looking for great design in Las Vegas? Penji graphic design service provider does not get better. Penji is scalable, reliable, and budget-friendly. With unlimited revisions and fast turnarounds, everything marketing managers dream of for high-velocity graphic design queries is here.
Searching for a new branding launch, scanning up your advertising graphics, or a daily operational partner for all your graphic design queries? The Best Graphic Design Service Provider you could want is right here. In this article, we provide you with a complete overview of the Top Graphic Design Service Providers in Las Vegas. We include subscription-based, unlimited services, digital agencies that do it all. Here’s everything you need to know to get your hands on the creative partner that’s right for you.
1. Penji

Looking for the Best Graphic Design Service Provider? Something you can rely on and that moves at your pace? Penji is the best graphic design service provider, going above and beyond what other graphic design agency offer.
Penji graphic design service provider has the answers to all your needs. You do not have time to waste with a flyer that takes weeks to print or a partner with surprise hourly fees. With Penji, request as many designs as you need for a single flat monthly fee. Forget about hiring that pesky human resources team and the operational fuss of a full design team.
Pros:
- Scalability: You can upgrade or downgrade your plan instantly based on your seasonal workload.
- Cost-Efficiency: A flat monthly rate means predictable budgeting, no matter how many revisions you request.
- Speed: fast turnaround times ensure you never miss a market opportunity.
- Versatility: Covers over 120 design categories, including print, digital, UX/UI, and illustrations.
- Risk-Free: Comes with a 30-day money-back guarantee.
Cons:
- Remote-First: While highly efficient, you won’t have in-person coffee meetings (though our platform communication is seamless).
- Not for One-Offs: The subscription model is built for companies with recurring design needs, not just a single flyer.
2. Art Version

If UX and digital storytelling pique your interest, Art Version might just be the Best Design Agency in Las Vegas. They focus on aesthetics but prioritize “experiential design.”
Art Version collaborates with their brand partners to completely transform their digital presence. They focus on more than just how things look. Making sure the UX and usability work well is their forte.
Pros:
- Strategic Depth: Excellent for full brand re-launches and complex UI/UX projects.
- Cross-Industry Experience: They have a strong portfolio across finance, healthcare, and technology.
- Full-Service: capable of handling strategy, design, and development under one roof.
Cons:
- Cost: Likely requires a significant budget suited for enterprise-level projects.
- Speed: Traditional agency workflows can be slower compared to on-demand models.
- Project-Based: Usually involves contracts and scopes rather than a flexible subscription.
3. Chudovo OÜ

Chudovo OÜ might be far-flung in name only. They have solid roots in the Las Vegas market. They work in spaces where high-level design meets complex technology in the business world. This is no graphic design agency. Chudovo OÜ are full-cycle software developers who place priority on high-end designs.
If your business requires more than just great design and is looking for ways to use a standout design in proprietary software, then Chudovo OÜ is the graphic design agency you need.
Pros:
- Technical Expertise: Unmatched ability to implement designs into complex, working software.
- Industry Knowledge: Deep experience in healthcare, finance, and logistics.
- Transparency: Known for clear visibility on work progress and budget.
Cons:
- Not “Creative-First”: May lack the marketing flair needed for advertising or brand awareness campaigns.
- Scope: Best suited for large-scale development projects, not day-to-day graphic design needs.
- Complexity: Their processes are designed for software builds, which is heavy for simple design tasks.
4. JG Digital Agency

Last but not least is JG Digital Agency. They view design as performance marketing. If you are looking for a Best Design Agency in Las Vegas to help design graphics to generate leads and sales, then JG’s focus and modus operandi speak to you. This agency is a digital marketing agency focused on performance marketing and improving conversion rates. They work primarily on B2B and B2C growth, focusing on what visuals can do to grab attention and drive traffic.
Pros:
- Results-Oriented: Design decisions are backed by data and performance metrics.
- Integrated Services: They can handle the ad spend and the creative, ensuring alignment.
- Google Partners: Recognized expertise in advertising platforms.
Cons:
- Design Limitations: Creative work is focused on ads and performance, potentially lacking in broader branding capabilities.
- Ad-Centric: If you aren’t running paid campaigns, their value proposition decreases.
- Boutique Scale: A smaller team might struggle with massive volume compared to scalable platforms.
Credit for Cover Image: Photo by Antoni Shkraba

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