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Discover 2025’s Top 10 Online Banks for Smart Savings

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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

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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

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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 logo

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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What’s the Best Design Agency in San Jose for Growing Brands?

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If you’re a growing business in the San Jose, California area, finding the right graphic design partner is easy. The city holds some of the best design agencies in the region. Here’s a shortlist to narrow down your options:

1. Penji

Best Design Agency in San Jose

As a top design-as-a-service platform, Penji offers a wide range of graphic design services to businesses in San Jose and anywhere in the world. Its unlimited request and revision model allows growing brands to get all their design assets for one single fee. You can submit requests for logos, infographics, custom illustrations, and many others.

2. Design in Mind

Best Design Agency in San Jose

Offering a full menu of services, Design in Mind offers branding, marketing, web, and event design services. This includes logos, brand guidelines, print collaterals, UI/UX, and event branding services. It has done impressive work for Ploughshares, LinkedIn InDay, Natera GSM 2025, iChina, and Project Peace, to name a few.

3. Baunfire

Best Design Agency in San Jose

With a promise to drive brands forward, Baunfire is an excellent design agency for growing businesses. It offers a wide array of services, which include website design, UI/UX design, web development, insights and analytics, research and discovery, and competitive analysis, among others.

4. Clear Digital

Best Design Agency in San Jose

With offices in New York, Houston, and Chicago, Clear Digital has its headquarters in San Jose, California. Its broad range of services includes strategic branding and positioning, digital experiences and creative, technology infrastructure and support, and more. Its multidisciplinary approach is carefully followed by its team of strategists, designers, developers, and client managers.

5. WebEnertia

Best Design Agency in San Jose

Popularly known as Silicon Valley’s non-profit digital agency, WebEnertia is another option you can consider. It has worked with non-profit brands The James Irvine Foundation, Hoover Institution, and IMBA. Its key services include digital strategy, UX/web design, motion graphics, web and mobile app development, SEM strategy, and analytics and tracking services, among many others.

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What’s the Best Design Agency in Houston?

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TLDR: For scalable, high-volume, high-quality design without hiring hassles, Penji is your best bet. For deeply strategic, narrative branding work, go traditional with Contrast & Co, BB Agency, or ProDesigns.

Did you know design is responsible for 94% of first impressions? That means your design is the welcome mat for your soon-to-be customers.

Are you a startup or agency based in Space City looking to launch your design into the stratosphere? You need a design partner who can match your pace.

1. Penji

Welcome to the future of design. Penji combines the top 2% of design talent and AI tools for on-demand, monthly subscription, unlimited graphic design, illustration, and UI/UX work.

Get a whole team at your fingertips. Get drafts in 24-48 hours without having to hire a team or deal with inconsistent freelance pricing. From a quick social media graphic to a full web mockup, Penji keeps your project on track at all times.

Pros: 

  • Unlimited Requests: Submit as many projects as you want. 
  • Fast Turnaround: Drafts in 24-48 hours. 
  • Cost-Effective: Flat monthly fee, no hidden charges. 
  • Expert Designers: Access to top global talent. 

Cons: 

  • Not Strategy-Focused: Best for execution, not long-term brand strategy.

2. Contrast & Co

If you’re looking for the traditional agency model with a little storytelling flair, Contrast & Co is the way to go. Although they’re based in Annapolis, they are experienced with many Houston clients and are known for building brands based on “radical differentiation.” They don’t just design; they tell stories.

Pros:

  • Strategic Depth: Excellent for complex rebranding and brand positioning.
  • High-End creative: Known for award-winning, narrative-driven visuals.

Cons:

  • Cost: Their premium strategic approach often comes with a higher price tag ($10,000+ minimums).
  • Timeline: Traditional agency models typically have longer turnaround times than on-demand services.

3. BB Agency

BB Agency works with SaaS and tech companies. They build businesses through thorough B2B branding and digital product design. If you are in the B2B tech space, their portfolio speaks for itself—clean, modern work which places UX at its core.

Pros:

  • Tech Focus: Deep expertise in SaaS and B2B sectors.
  • Holistic Approach: They handle everything from branding to development.

Cons:

  • Niche: Their specific focus on tech might not be the right fit for consumer lifestyle brands.
  • Budget: Project costs often range between $50,000 and $200,000.

4. ProDesigns

For businesses needing specific, project-based graphic design services, ProDesigns offers a solid middle ground. They focus heavily on logos, corporate design, and packaging. So if you need something created without a subscription or heavy retainer price, they’re great for local one-off projects.

Pros:

  • Project-Based: Good for one-off needs like a logo or brochure.
  • Affordable: generally more accessible pricing for small businesses compared to large agencies.

Cons:

  • Limited Scalability: Managing high-volume, ongoing design needs can become costly on a per-project basis.
  • Slower Feedback Loops: Revisions may take longer compared to a subscription model.

FAQs

How much does a graphic design agency cost in Houston? 

Agencies in Houston typically charge $100–$175 per hour. Project costs range from $1,000 for small tasks to over $50,000 for full branding. Services like Penji offer a flat monthly rate, often much lower than a single agency project.

What is “design as a service”? 

Design as a service offers a subscription model with a flat monthly fee for as much design work as you need for that monthly fee. Instead of paying per hour or project as normal with an agency, this is a way to ensure predictable budgeting and consistency with your design team.

Credit for cover image: Photo by Mikael Blomkvist on pexels

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Maximizing ROI in 2026: The Top 10 Facebook Ads Strategy Ideas to Try

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In today’s world, digital advertising is the most effective and efficient way to reach potential customers. Facebook advertising, in particular, has become a crucial tool for marketers to promote their brands, engage with their target audience, and generate a high return on investment (ROI). To stand out from the crowd, it’s crucial to implement the most effective actions. For this year, here are our recommendations for the top 10 Facebook ads strategy ideas you need to try:

1. Create Relevant Content

Topping our list is creating relevant content as one of the most effective Facebook ads and marketing strategy. Content tailored to your audience’s interests and needs increases engagement and builds brand awareness. This approach has been effective for years and will continue because it focuses on building a relationship between you and your audience.

Moreover, with the rise of ad-blocking software and decreasing attention spans, creating relevant content is more critical than ever. Creating informative, engaging, and valuable content for the audience ensures businesses that their ads are seen and welcomed by the audience.

2. Create Short-Form Video Ads (Reels & Stories)

Over the past few years, we’ve seen the shift to vertical, sound-on, mobile-first consumption across Facebook and Instagram. That said, it’s best to adapt your Facebook ads to align with this shift, using Reels ads, Stories ads, and vertical in-feed videos.

To make a high-performing short video ad, include a hook in the first three seconds and use captions for sound-off viewers. It’s also a good idea to create native-looking content and have a clear CTA.

3. Personalize Your Facebook Ads

Creating personalized ads on Facebook is an effective strategy because they’re more targeted and relevant to your audience. Businesses can use data from user behavior and interests to provide content that resonates with their audience, leading to higher engagement and conversions.

Plus, personalized ads can help you build trust and brand loyalty by showing you understand and care about your audience’s needs and preferences. This approach helps establish a stronger connection with the audience, leading to increased advocacy and customer loyalty.

You can also explore Advantage+ automated creative, which now personalizes ads using AI.

4. Use Facebook Custom Audiences

Facebook Custom Audiences are essential in a effective Facebook ads strategy in 2026. However, there have been changes in the way they’re used and optimized. Today, Meta’s AI now does much of the heavy lifting.

With Advantage+ targeting, users can start with broad audience signals and allow Meta’s system to automatically expand reach based on real-time performance data.

5. Join the Facebook Video Ad Bandwagon

According to statistics, Facebook videos have 8 billion daily views. This is an excellent Facebook ads strategy idea as they are more engaging than static ads, capturing the audience’s attention and creating an emotional connection. Facebook’s autoplay feature ensures that the video will be seen, making it an effective way to increase brand awareness and drive sales.

Facebook recommends keeping video ads short and adding captions, as these ads increase view time by an average of 12%, making it a more effective strategy.

6. Consider Creating Facebook Custom Landing Pages

Another highly recommended Facebook ads strategy idea is to create a custom landing page. This means having a specific page for people to visit when they click on your ad instead of just using your website. Using a custom landing page makes it easier for people to take the action you want, like signing up for your email list. 

It also ensures they don’t get confused or distracted by other information on your website. So, if you want more people to take action on your ad, a custom landing page is the way to go!

7. Always Think High-Quality

Having a broad reach of audiences, Facebook is also rife with advertisers, making differentiation a challenge. To work around this, you must always strive to create high-quality ads. Invest in producing the finest Facebook ads you can, as these will make your business look more professional and trustworthy. This, in turn, can increase engagement and conversions. 

They also make your brand look better overall, leading to better brand recognition and customer loyalty. Ultimately, investing in high-quality ads can pay off with better results and a higher return on investment (ROI) for your Facebook advertising efforts.

8. Familiarize Yourself with Lookalike Audiences

Knowing about Facebook Lookalike Audiences is essential for creating effective Facebook ad strategies because it allows you to reach a larger yet similar audience to your existing customers. With Lookalike Audiences, Facebook will use its data to find people similar to your current customers based on their interests, behavior, and demographics. 

This allows you to create more targeted and relevant ads for a group of people who are more likely to be interested in your products or services, leading to higher conversion rates and better return on ad spend.

9. Be a Facebook Remarketing Expert

Learning about the ins and outs of Facebook remarketing is crucial because it allows you to target people who have already shown an interest in your brand, reminding them of your business and increase conversions. 

With Facebook’s remarketing tools, you can track potential customers’ behavior and customize your ad strategy accordingly, reaching those most likely to convert. By mastering Facebook remarketing, you can boost your advertising efforts and maximize your return on investment.

10. Hold Contests and Giveaways

Contests and giveaways on Facebook have always been a great way to increase brand awareness, engagement, and lead generation. It encourages people to interact with your brand and share your content. They can also create a sense of urgency and excitement, driving more conversions and sales while providing valuable customer data and insights.

Holding contests and giveaways can help your business achieve short-term and long-term marketing goals. You can also explore shoppable events, live commerce promotions, and lead ad optimizations to enrich your campaigns.

Final Thoughts

To maximize your ROI in 2026, try implementing the top 10 Facebook ad strategies outlined in this guide. Standing out from the competition, engaging your target audience, and continuously improving your results, Facebook advertising can be a powerful tool for growing your business. It’s also a great idea to exp[lore Meta’s AI, which now helps automate creative, targeting, and placements.

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