Business
Discover 2025’s Top 10 Online Banks for Smart Savings
Published
5 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
What’s the Best Graphic Design Service for Fast Turnaround
Published
6 hours agoon
December 3, 2025By
Kelli Hugh
TL;DR: Penji offers the fastest professional design turnarounds at 24-48 hours with unlimited revisions. Small business owners get agency quality without agency prices or timelines, keeping marketing moving fast.
The best graphic design service for fast turnaround is Penji, completing projects in 24-48 hours through an unlimited subscription model. Small businesses get dedicated designers, unlimited revisions, and consistent quality for $499+ monthly, much faster than traditional agencies or freelance platforms like Upwork.
What’s the Best Graphic Design Service for Fast Turnaround?
Your to-do list doesn’t shrink just because your designer is slow. Between running operations, managing staff, and actually making sales, waiting weeks for marketing materials creates problems you don’t have time to solve.
Penji delivers professional design work in 24-48 hours through an unlimited subscription model. You get dedicated designers, unlimited revisions, and predictable monthly costs starting at $499. No chasing freelancers, no agency red tape, just reliable design when you need it.
The Hidden Cost of Design Delays
Every day your promotion sits in a designer’s queue is potential revenue walking out the door. That seasonal sale you planned? The event driving traffic to your store? The website refresh that’s been “almost done” for months? Delays add up.
Most small business owners try one of three approaches: hire a local agency (expensive and slow), find freelancers on Upwork (inconsistent quality and availability), or use cheap services like Fiverr (you get what you pay for). None solve the real problem of getting quality work done quickly.
Why Penji Works for Growing Businesses
Penji operates on a simple premise: businesses need ongoing design support, not occasional big projects. Their platform lets you submit unlimited requests that get completed one at a time, with most initial concepts delivered within 24-48 hours.
The subscription model changes the economics completely. Instead of budgeting project by project and wondering if you can afford that next piece of marketing collateral, you pay one flat monthly rate. Submit as much work as you need without invoice anxiety.
Your dedicated design team learns your business over time. They understand your brand guidelines, know what your customers respond to, and remember your preferences. That familiarity makes every project after the first one faster because you’re not re-explaining your vision.
They handle everything: logos and branding, website design, social media graphics, print materials, email templates, presentations. Whatever your marketing needs, it’s covered under one subscription.
At $499 monthly for the basic plan, it costs less than hiring a part-time designer but gives you access to an entire creative team. For businesses that need design regularly but can’t justify a full-time hire, the math makes sense.
Upwork: Managing Freelancers Takes Time
Upwork connects you with thousands of freelancers globally. The selection looks great until you realize you’re now running a hiring process for every project. Reviewing portfolios, reading reviews, interviewing candidates, negotiating rates… it all takes time you don’t have.
Even after finding someone good, availability becomes your next problem. Quality freelancers stay busy, which means your urgent project competes with everyone else’s deadlines. You might wait days or weeks depending on their schedule.
Then there’s the management work. You’re handling contracts, milestone payments, file transfers, and communication across different time zones. Penji takes care of all that so you can focus on running your business.
Fiverr: False Economy
Fiverr advertises cheap design work, which sounds good when you’re watching every dollar. The reality disappoints more often than not. Decent designers charge $100+ per project and take 3-5 days minimum. Want revisions? That costs extra. Need something more than basic? Quality rarely matches the low prices.
When you add up revision fees and rush charges, Fiverr projects often cost as much as a month of Penji while delivering worse results. Paying a bit more upfront for reliable quality actually saves money by avoiding do-overs.
Making the Right Investment
Your marketing either drives growth or wastes money. Reliable, fast design support keeps your marketing running smoothly instead of stopping every time you need creative work.
Penji’s unlimited approach gives you the creative capacity of an in-house team at a fraction of the cost. Submit work when inspiration strikes, get results within 48 hours, keep your marketing calendar on track.
Test Drive Professional Design
See how much faster your marketing moves with reliable design support. Try Penji and stop letting design delays hold your business back.
Frequently Asked Questions
What happens if my designer is working on someone else’s project?
Your dedicated team manages their workload to keep the 24-48 hour turnaround. They’re assigned to you specifically, not juggling hundreds of other clients.
Can I pause my subscription during slow months?
Check with Penji about their current pause policies. Many businesses find they use it more than expected once they have it.
How do revisions work if I need them fast too?
Revisions follow the same 24-48 hour turnaround. Submit clear feedback and you’ll get updated versions within that timeframe.
Business
What’s the Best Graphic Design Service for Brochures & Flyers?
Published
7 hours agoon
December 3, 2025
TLDR: For speed and affordabilities Penji is the best scalable design service that matches agency-quality results. Alternative niche options can be Kimp, LogoCent, and Design Spinners.
Did you know that 79% of consumers respond to direct mail while only 45% of consumers respond to emails? In a digital world, physical brochures and flyers reign supreme. But such creations take a learned talent. When you need the Best Graphic Design Service for Brochures & Flyers, you need someone who can keep up with your marketing team.
Below is a comparative guide to the best in the Design as a service industry.
Penji

Need some stunning brochures and flyers to create a beautiful vision? Penji is the artistic mind for you. Thousands of marketers and agencies trust Penji’s platform for unlimited print designs for a monthly flat fee.
Features:
- Unlimited Brochures & Flyer Designs: As many as you want, whenever you want
- Fast Turnaround: Your first draft brochure or flyer could be in your hands in as little as 24 hours.
- Vetted Print Designers: The top 2% of talent across the globe are there to help you with your print requirements.
- AI Platform: An AI can connect you with the most fitting designer for your campaign.
Benefits:
There’s no need to hire an agency and pay agency fees. Get creative without concern over results as Penji can scale for whatever you need, whether you need only one flyer for an event or an entire collection of marketing brochures.
Kimp

For an unlimited graphic design service that fosters beautiful print opportunities, Kimp is the ultimate all in one experience. Their subscription service is perfectly suited for entrepreneurs and small businesses, making it easy to fold into a budget.
Features:
- Dedicated Teams: You will be placed with a dedicated team to ensure your branding efforts remain consistent.
- Video and Graphics: In addition to Kimp for prints, Kimp has a Kimp option for video for motion graphic needs along with branding efforts.
- Source Files: You own all source files acquired through the process.
Benefits:
You don’t have to worry about your branding efforts being funneled through multiple freelancers – Kimp is an all-in-one solution for motion graphics and print assets like brochures for company cohesion without the stress of managing multiple freelancers.
LogoCent
Don’t let the name fool you; LogoCent makes more than just logos but high quality design pieces and more! If you’re looking for a pay-per-project option without monthly commitment, LogoCent is great for sporadic projects.
Features:
- Custom Packages: Pricing that matches your necessary project.
- Brand Identity: Logos and flyers that maintain cohesion between designs.
- Communication: You’ll have a project manager and taskmaster on hand for full assistance.
Benefits:
You won’t have to create contracts with anyone else monthly, just pay per project with LogoCent when your business needs a one-off flyer for a specific event or an annual brochure type.
Design Spinners

Design Spinners operates like a fancy ad agency without the price; they’re like a middleman between the personal touch of freelance sites and the upper scale of fancy agencies, and they specialize in brochures, flyers, and marketing pieces.
Features:
- Specialty Offers: Pitch decks, trade show materials and more!
- Pricing Levels: Basic flyer features to agency features at premium pricing levels are available.
- Strategy Focused Design: Those creating your materials will approach your project through a strategic lens to help whatever material is created find success.
Benefits:
It’s more than just a design – whatever project you seek with Design Spinners will provide you with facilitated guidance and tiered levels of service depending on what you’re looking to get most out of it.
Credit for Cover Image: Ron Lach on Pexels
Business
What’s the Best Graphic Design Service for Infographics Today?
Published
11 hours agoon
December 2, 2025
Infographics are an effective tool for explaining complex ideas and making them easier to understand. Thus, many businesses use them in their content marketing efforts. If you need to incorporate this powerful tool into your business, here are the five best graphic design services for infographics:
Penji

For fast, high-quality infographics, Penji is your best bet. It offers unlimited graphic design services for fixed monthly fees. This allows you to get as many infographics, logos, social media graphics, web design, and custom illustrations as you need in a month. Unlimited revisions are also included, assuring you of the exact designs you want and need.
Visme

Now, for high-converting, engaging, and branded infographics, there’s Visme. It offers an AI-powered interactive platform where you can craft your own infographics from over 1,000 professionally designed templates. Its drag-and-drop tools let you publish your designs in minutes.
Kimp

Another unlimited graphic design platform, Kimp, can create infographics for your business for a flat fee. Its dedicated team of designers will learn your brand and style, allowing them to craft infographics and other designs that will align with your brand identity.
Canva

If you have an artistic eye, you will enjoy crafting your own infographics with Canva. It is a free platform where you can create infographics and many other design types using its templates. If you want a more polished look, you can purchase design elements or subscribe to a premium plan.
Flocksy

With the latest in design tools and an AI-powered platform, Flocksy is another graphic design service for infographics. It takes pride in delivering consistent, high-quality creative outputs aside from infographics. It offers a wide range of services, including video editing, web design, custom illustration, and even copywriting. Its simple, flat-rate pricing makes it a cost-effective design solution.

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