29 banks with 24/7 customer support either online or over the phone

Some banks offer 24/7 customer service by phone or live chat. fizkes/ Getty Images

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• Several banks offer 24/7 customer service by phone or live chat.
• Other banks may have limited hours during the workweek or weekend.
• If you find it challenging to do banking tasks during business hours, you may want to change banks.

Customer experience can significantly impact your overall banking experience. If you can't find time to visit a branch or call a bank during regular business hours, then it's going to be difficult to manage your money.

Thankfully, some banks make it easy to call or message the customer service center at any time of the day. Here's a list of banks that offer 24/7 customer support, and many of these institutions are featured in one or more of our best bank account guides.

Banks with 24/7 telephone or online chat services

1. Alliant Credit Union

Standout feature: Alliant Credit Union pays high interest rates on savings, checking, and certificates. 

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

2. Ally Bank

Standout feature: Ally pays high interest rates on savings accounts and certificates. 

How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat. 

3. American Express National Bank

Standout feature: The American Express® High Yield Savings Account is the bank's strongest account. It pays a high interest rate and has a $0 minimum opening deposit. 

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

4. Axos Bank

Standout feature: Axos Bank has great high-yield savings, checking, and money market accounts.

How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat. 

5. Blue Federal Credit Union

Standout feature: The Blue Extreme Checking Account is the credit union's strongest account; it comes with a high interest rate. Blue FCU also reimburses you up to $28 each month in out-of-network ATM fees. 

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

6. Capital One 360

Standout feature: Capital One 360 pays competitive interest rates on savings, checking, and certificates. 

How to contact 24/7 customer support: Customer service representatives are available via online chat.

7. Charles Schwab

Standout feature: The Schwab Bank High Yield Investor Checking® Account is its most appealing account, with no minimum opening deposit or monthly fees. Charles Schwab also doesn't charge foreign transaction fees and offers unlimited refunds for out-of-network ATM fees. 

How to contact 24/7 customer support: Customer service representatives are available via online chat.

8. Chase

Standout feature: Chase has over 4,700 branches in 33 states. It's a good option if you want a large ATM and branch network.

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

9. Chime*

Standout feature: Chime has solid checking and savings accounts. There are no monthly fees or minimum opening deposit required.

How to contact 24/7 customer support: Customer service representatives are available through email.

*Chime is an online banking platform, not a bank.

10. CIT Bank

Standout feature: CIT Bank's most appealing account is the CIT Bank Savings Connect Account. The account has a competitive interest rate that's higher than the average savings account.

How to contact 24/7 customer support: Customer service representatives are available via online chat.

11. Citibank

Standout feature: Citi's strongest product is its Citi® Accelerate Savings. You can earn a high interest rate if you deposit at least $1.

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

12. Consumers Credit Union

Standout feature: Consumers Credit Union has a strong rewards checking account. You can earn a high interest rate if you meet the requirements.

How to contact 24/7 customer support: Customer service representatives are available via online chat.

13. Delta Community Credit Union

Standout feature: Delta Community Credit Union's strongest products are its share certificates. You can get a competitive interest rate. If you need to withdraw money early, its penalties are lower than other institutions.

How to contact 24/7 customer support: Customer service representatives are available over the phone. 

14. Discover Bank

Standout feature: Discover Bank has a great online savings account. You can earn a high interest rate, and you don't have to deal with monthly fees. 

How to contact 24/7 customer support: Customer service representatives are available over the phone or through online chat. 

15. Falcon International Bank

Standout feature: Falcon International Bank has a good checking account for Texas residents. With the Falcon International Bank Regular Checking Account, there's no minimum opening deposit and zero monthly service fees.

How to contact 24/7 customer support: Customer service representatives are available over the phone.

16. FirstBank

Standout feature: FirstBank has over 100 branches in Arizona, California, and Colorado. Its checking account has a $0 minimum opening deposit and charges zero monthly service fees.

How to contact 24/7 customer support: Customer service representatives are available over the phone.

 17. International Bank of Commerce

Standout feature: International Bank of Commerce has a good free checking account. This Hispanic American bank has 186 branches in Texas and Oklahoma. 

How to contact 24/7 customer support: Customer service is available over the phone.

18. KeyBank

Standout feature: KeyBank offers a checking account with zero monthly service fees and free overdraft protection.

How to contact 24/7 customer support: Customer service is available over the phone.

19. Latino Community Credit Union

Standout feature: Latino Community Credit Union is a Hispanic American-led credit union in North Carolina with several services geared toward Latinos, including customer support in Spanish and English. The Latino Community Credit Union Savings Account is the credit union's strongest account with no monthly fees. 

How to contact 24/7 customer support: Customer service is available over the phone. You can also send a secure message through online banking.

20. Navy Federal Credit Union

Standout feature: Navy Federal Credit Union has solid account options if you're affiliated with the military. The Navy Federal Free Active Duty Checking™ Account is one of the bank's strongest accounts with the option of early direct deposit. 

How to contact 24/7 customer support: Customer service is available over the phone.

21. Premier Members Credit Union

Standout feature: The Premier Members Credit Union Money Market Account is the credit union's standout product. It pays a high interest rate on low balances. 

How to contact 24/7 customer support: Customer service is available over the phone.

22. Regions Bank

Standout feature: Regions Bank is featured on our best national banks guide. It has about 1,300 branch locations in 15 states and is a good option if you are searching for a bank with a national presence. 

How to contact 24/7 customer support: Customer service is available over the phone.

23. River City Federal Credit Union

Standout feature: River City Federal Credit Union is a Hispanic American-led institution in Texas. It has  share certificates with competitive interest rates and a $500 minimum opening deposit.

How to contact 24/7 customer support: Customer service is available over the phone.

24. State Employees Credit Union

Standout feature: State Employees Credit Union has over 273 locations and 1,100 free ATMs in North Carolina. Its checking and savings accounts have low minimum opening deposits and low monthly service fees. 

How to contact 24/7 customer support: Customer service is available over the phone.

25. Service Credit Union

Standout feature: Service Credit Union has solid account options if you're affiliated with the military and live in New Hampshire or Massachusetts. The Service Everyday Checking Account offers a high interest rate if you meet the requirements. 

How to contact 24/7 customer support: Customer service is available over the phone.

26. Security Service Federal Credit Union

Standout feature: Security Service Credit Union has solid account options if you're affiliated with the military and live, work, or study in Colorado, Texas, and Utah. The Security Service Power Checking Account has zero monthly fees. 

How to contact 24/7 customer support: Customer service representatives are available via online chat.

27. Synchrony

Standout feature: Synchrony Bank pays high interest rates on savings and money market accounts. 

How to contact 24/7 customer support: Customer service representatives are available via online chat.

28. TD Bank

Standout feature: TD Bank is featured on our best national banks guide. It has over 1,200 branches across 16 states and is a solid option if you're looking for banks with a national presence.

How to contact 24/7 customer support: Customer service is available over the phone.

29. US Bank

Standout feature: US Bank is featured on our best national banks guide. It has over 3,000 branches across 26 states and is a good option if you're looking for banks with a national presence.

How to contact 24/7 customer support: Customer service is available over the phone.

Frequently asked questions