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9 Best Free Joint Savings Accounts of 2026

By the Rankozo research desk · Updated November 11, 2026

9 of the 9 tools in our best joint savings accounts ranking offer a permanent free plan. Marcus by Goldman Sachs Online Savings Account scores highest among them at 9.0 out of 10.

  1. 01

    Marcus by Goldman Sachs Online Savings Account

    couples who want the highest bank APY with no conditions

    No fees and no minimum deposit

    Full entry, No. 1 overall

    Paid from

    Free

    Score 9.0

  2. 02

    Ally Bank Savings Account

    couples saving for several shared goals at once

    No monthly maintenance fees and no minimum balance

    Full entry, No. 2 overall

    Paid from

    Free

    Score 8.9

  3. 03

    Wealthfront Cash Account

    couples with large balances who want instant withdrawals

    Zero account fees

    Full entry, No. 3 overall

    Paid from

    Free

    Score 8.8

  4. 04

    SoFi Checking and Savings

    couples who want joint checking and savings in one account

    No account or maintenance fees and no minimum balance

    Full entry, No. 4 overall

    Paid from

    Free

    Score 8.7

  5. 05

    Capital One 360 Performance Savings

    couples who want a high-yield account with in-person help

    No fees to open or maintain the account; $0 monthly maintenance fee

    Full entry, No. 5 overall

    Paid from

    Free

    Score 8.6

  6. 06

    American Express High Yield Savings

    American Express cardholders who want one login

    No fee to open, no minimum deposit and no monthly fees

    Full entry, No. 6 overall

    Paid from

    Free

    Score 8.3

  7. 07

    Betterment Cash Reserve

    couples who also invest with Betterment

    No fees or minimums; $10 minimum deposit for the base APY

    Full entry, No. 7 overall

    Paid from

    Free

    Score 8.3

  8. 08

    Synchrony Bank High Yield Savings

    couples who want ATM access to savings

    No monthly fees, no minimum deposit and no minimum balance

    Full entry, No. 8 overall

    Paid from

    Free

    Score 8.1

  9. 09

    CIT Bank Platinum Savings

    couples who will keep at least $5,000 saved

    No account opening or monthly service fees; $100 to open

    Full entry, No. 9 overall

    Paid from

    Free

    Score 7.5

Scores and prices come from our Best Joint Savings Accounts ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com