$18 trillion in US deposit accounts (FDIC 2024)
Source: FDIC Summary of Deposits · 2024
Checking and savings complaints reflect the most day-to-day friction in banking — overdraft practices, account freezes, and difficulty accessing funds are the dominant themes.
Checking & savings Complaint Rates
CFPB complaints about checking and savings accounts — overdraft fees, surprise account closures, frozen funds, and delays accessing your money.
How to read this table: Ranked from worst (most complaints) at the top to best (fewest complaints) at the bottom. Hover column headers for metric explanations.
These complaint rates reflect how often customers encounter problems with the accounts they use every day. A high rate suggests systemic issues, not isolated incidents. Read our full methodology →
A high complaint rate means when your direct deposit goes missing or a mystery fee appears, you are more likely to wait days while your bills bounce.
Opening a new bank account takes under 15 minutes online. Most modern banks offer automated tools that move your direct deposits for you. Run both accounts in parallel for 30 days to make sure nothing slips through. The best-rated alternative in this category has a complaint rate 8× lower than the highest-rate institution shown.
Rate = CFPB complaints ÷ estimated customers × 1,000 · Source: CFPB + FDIC BankFind · Data & pricing