10 Best Banks for Digital Creators in the USA in 2024

By NConsultin

If you’re looking for the best banks for digital creators as an American or US resident, you’re in the right place!

at NConsultin firm, especialized in digital creators since 2019, we’ve learned that having the right bank is crucial for a seamless digital creator lifestyle. Dealing with different currencies and complex banking systems can be a logistical nightmare.

That’s why we maintain ongoing research to ensure access to the best financial institutions catering to our digital creators needs.

However, juggling too many banks can complicate finances so we just stick with our top trio.

In this article, we’ll explore the best banks for digital creators, their pros, cons, fees, and requirements. Whether you’re a seasoned digital creator or just starting, having the right bank can streamline financial management while on the move. Let’s go!

Table of Contents

• The Best Banks for Digital Creators

• What Makes a Bank Best for Digital Creators?

• Comparison of the Best Digital Creators Banks

• Final Thoughts: The Best Bank for Digital Creators

• Best Banks for Digital Creators FAQs

The Best Banks for Digital Creators

We can only speak to the best banks for digital creators in the US as that’s where our personal experience lies. Plus, we are not financial advisors, so the recommendations here are solely based on our personal experience and research for our personal use.That said, our research has been pretty exhaustive so we hope this list is as helpful for you as it has been for us.

1. Wise

Formerly known as TransferWise, we love the ability to take up to $250 at a time from an ATM without fees.

It’s got 11 million+ users worldwide, making it one of the most popular best banks for digital creators – and regular folks – on earth. You can use your physical card or the digital card, which is compatible with both Apple Pay and Google Pay.

A feature that NConsultin personally really like about using Wise is the fact that you can hold money in over 50 different currencies and actually set an alert for when you want to exchange the currency.

Probably the best part of having a Wise bank account is that it’s completely free to set up and run. There isn’t even a premium version that gatekeeps some of the better features.

2. Fidelity Cash Management Account

I’ve had a Fidelity Cash Management account since 2019. Anyone who has any sort of Fidelity retirement account is eligible to apply for one. Yes, even if you still have a tiny 401K account with a company you worked for 15 years ago.

They refund all ATM fees at the end of a month, and charge no international usage fees when you pay for things either. This is my favorite debit card to use because it’s so flexible and versatile.

They also give whatever the actual exchange rate is at the time the withdrawl or payment is made and don’t charge extra conversion fees, so the exchange is always very favorable.

3. National Bank of Kansas City (NBKC)

Since 2019, we’ve been using an NBKC account, which has proven to be an excellent choice for digital creators. My favorite feature is that they don’t charge any foreign usage transaction fees for purchases, making it a great option when traveling abroad.

Plus, they refund ATM fees up to $12 USD per month, which can be a significant cost-saver when withdrawing cash in different countries. We primarily use our Fidelity Cash Management account for day-to-day transactions.

This is in part because NBKC’s customer service is available only during US business hours, which can be challenging when you’re in a different time zone.

We’ve made calls as late as 10 PM from Bali to reach their reps. Despite the late hour, their customer service is friendly, knowledgeable, and worth it.

4. Revolut

Revolut offers a multi-currency account supporting over 150 currencies, real-time exchange rates, and no-fee FX transactions up to a monthly limit. It provides budgeting tools, analytics, and access to cryptocurrencies and investments.

Plus, its app facilitates instant peer-to-peer payments, debit card with contactless payments, and free ATM withdrawals up to $1,200 in the US and 5 withdrawals or €200/£200 per month in the EU/UK.

With premium plans, Revolut offers travel and device insurance, making it attractive for digital creators. Licensed by the Bank of Lithuania, this option is favored by digital influencers and digital creators for its innovative tools and straightforward banking approach.

Revolut Pros

• Supports various currencies

• No currency exchange fees up to a certain limit

• Free cash withdrawal fees up to certain limits

• In-app budget & analytics tools

5. Betterment

You can use your Betterment Checking account debit card at any ATM worldwide where Visa cards are accepted, and Betterment will reimburse any associated fees. If we picked up another best bank for digital creators option, this is on our short list!

It will even reimburse the 1% currency conversion fee from Visa that applies to foreign transactions, purchases, and ATM transactions. That means you can get free ATM access anywhere you travel.

Betterment Checking provides a user-friendly mobile app for easy account management. It offers contactless payment, no minimum deposit, robust features, fee-free global ATM access – perfect for digital creators.

6. Capital One 360

Capital One 360 is a traditional US bank, making it one of the best banks for digital creators who frequently travel back to the States. The account setup is quick and easy, taking only around five minutes with no initial deposit required.

While not an ideal choice for international travelers, Capital One 360 offers free ATM withdrawals and a 50% discount on drinks at CapitalOne cafes when in the US.

Plu, the Capital One Venture X credit card is tailored for digital creators, providing 2 points per $1 spent without international transaction fees.

7. N26

N26, a German fintech company, provides Euro-centric banking with an 8-minute setup, high security (Euro license and German IBAN), and up to 100,000 Euros protection.

There are no fees for transfers up to 50,000 Euros, but withdrawal fees apply for Free and Smart plans. The You (€9.90) and Metal (€16.90) plans offer free global ATM withdrawals and travel insurance.

N26 holds Euros and uses the day’s exchange rate. Higher-tier plans offer bonuses, while the Free plan suits budget users.

8. Charles Shwab

Charles Schwab has long been one of the best banks for digital creators and remote workers who are US-based and value a comprehensive banking experience.

With its robust financial services and commitment to customer satisfaction, Schwab delivers a seamless banking solution for those living and working around the globe.

Get a High Yield Investor Checking account with no monthly fees, unlimited global ATM fee rebates, contactless payment debit card, full-service brokerage, investment options, mobile app, 24/7 customer support, and FDIC-insured accounts for added security.

However, be aware that they do a hard check on your credit before opening an account, which wasn’t disclosed during the application process and could potentially impact your credit score

9. Ally Bank

Ally Bank is an online-only bank that offers a range of products and services tailored for digital creators and frequent travelers.

While there is an international transaction fee of up to 1% when using an ATM located outside of the U.S., Ally Bank provides several benefits that make it a convenient choice for those on the move.

The Ally Everyday Cash Back Mastercard® has no foreign transaction fees, allowing you to make purchases abroad without incurring additional charges.

Ally Bank provides access to the Allpoint ATM network with over 55,000 ATMs globally, allowing fee-free cash withdrawals. Note: Additional fees may apply when using a non-Allpoint ATM abroad.

10. Chime

Chime, a US bank, offers a unique way to build credit. Use your credit card like a debit card, topping up and spending only what you have.

Each transaction is recorded as a credit transaction, which helps boost your credit score. This is the only bank I know of that does this!

Plus, Chime provides a fee-free experience for digital creators. You can use your Chime card worldwide without transaction fees and manage your money through their app. Plus, you’ll earn a 0.5% Annual Percentage Yield on your savings account.

What Makes a Bank Best for Digital Creators?

As digital creators, our banking needs are unique. We’re constantly on the move, traversing borders, and dealing with multiple currencies. A traditional brick-and-mortar bank simply won’t cut it. So, what makes a bank truly digital creators-friendly?

Low or No Foreign Transaction Fees

The best banks for digital creators either waive these fees entirely or keep them to an absolute minimum. One of the biggest pain points for nomads is the exorbitant fees charged by banks for international transactions.

Whether it’s withdrawing cash from an ATM or making a purchase abroad, those pesky foreign transaction fees can quickly add up, eating into our hard-earned money.

Global Accessibility and Worldwide Availability

As Digital Creators, we’re constantly on the move, and our banking needs don’t take a break. We need a bank that has a global presence, with a vast network of ATMs and branches (or at least partner institutions) worldwide.

This ensures that we can access our funds, make withdrawals, and conduct transactions seamlessly, no matter where our adventures take us.

Multi-Currency Accounts and International Wire Transfers

Juggling multiple currencies is a way of life for us digital creators. The best banks for digital nomads cater to this by offering multi-currency accounts, allowing us to hold and manage funds in various currencies without incurring excessive conversion fees.

Plus, seamless international wire transfers are a must, enabling us to move money across borders with ease.

Mobile App Accessibility and Online Banking

In our fast-paced, connected world, mobile banking is a necessity. The best banks for digital creators provide robust mobile apps and online platforms for managing finances on the go, from anywhere.

Checking balances, transferring funds, and paying bills all require a user-friendly mobile experience.

Final Thoughts: The Best Bank for Digital Creators

While there’s no one-size-fits-all solution, a few standout options deserve special recognition as the best banks for digital creators. Our personal favorites are Wise, Fidelity, and NBKC.

Ultimately, the best bank for digital creators is the one that aligns with your specific needs, travel patterns, and financial goals.

Whether you prioritize low fees, multi-currency support, or a robust mobile app, there’s an option out there that can make your nomadic lifestyle more seamless and financially rewarding.

So, embrace the freedom of the digital creator lifestyle, but do so with a banking partner that understands and caters to your unique needs.

With the right bank by your side, you can focus on exploring the world, secure in the knowledge that your finances are in capable hands.