Financial products in United States
The US has the deepest stock market and many commission-free brokers.
Currency: US Dollar (USD)
Regulator
SEC and FINRA
Investor protection
SIPC covers up to $500,000 per customer, including $250,000 for cash, if a member broker fails.
Tax, in general
Capital gains and dividends are taxed federally; IRAs and 401(k)s give tax advantages.
A general summary, not tax advice. Tax rules and limits change each tax year, and the year this note reflects is not recorded yet.
Verified products
- Min. deposit
- 0
- Regulators
- SEC / FINRA / SIPC
- Fees
- Equity: $0 online US stocks & ETFs; Other trades: Options commission-free (per-contract not stated); Account: $0 account minimum; ACATS out $0; FX: Not stated
- Investments
- Stocks, ETFs, mutual funds, options, bonds, precious metals, crypto, fractional shares
- Min. deposit
- 0
- Regulators
- SEC / FINRA / SIPC
- Fees
- Equity: $0 online equity trades; Other trades: Options commission-free (per-contract not stated); Account: $0 minimum; ACATS full out $50; FX: Not stated
- Investments
- Stocks, ETFs, mutual funds, options, bonds, crypto, forex, futures
- Min. deposit
- 0
- Regulators
- SEC / FINRA / SIPC
- Fees
- Equity: $0 per trade (Lite); Other trades: Options commission-free (amount not stated); Account: $0 minimum; ACATS out $0; FX: Not stated
- Investments
- Stocks, ETFs, mutual funds, bonds, options, futures, forex, crypto, metals; fractional on ~15,000 stocks
- Min. deposit
- 0
- Regulators
- SEC / FINRA / SIPC
- Fees
- Equity: $0 on stocks, ETFs; Other trades: Options $0; Account: $0 minimum; Gold $60/yr; $2/mo paper statements if <$50; ACATS out $100; FX: Not stated
- Investments
- Stocks, ETFs, options, crypto, futures, ADRs, precious metals (no mutual funds)
- Min. deposit
- 0
- Regulators
- SEC / FINRA / SIPC
- Fees
- Equity: $0 per trade; Other trades: Options volume discount (amount not stated); Account: $0 minimum; ACATS out $75/$25; $38 reorg fee; FX: Not stated
- Investments
- Stocks, ETFs, mutual funds, options, bonds, futures, ADRs, crypto
- Min. deposit
- 0
- Regulators
- SEC / FINRA / SIPC
- Fees
- Equity: $0 per trade; Other trades: Options commission-free (amount not stated); Account: $0 minimum; ACATS out $75; FX: Not stated
- Investments
- Stocks, ETFs, options, bonds, crypto, futures, mutual funds (IRA only)
- Coins
- Major crypto assets
- Trading fees
- 0.00%–0.40% maker, 0.05%–0.60% taker (Advanced Trade)
- Regulation
- FinCEN, SEC, NYDFS (as reported)
- Security
- Not stated in source
- Coins
- Major crypto assets
- Trading fees
- 0.00%–0.25% maker, 0.08%–0.40% taker (Kraken Pro)
- Regulation
- FinCEN, SPDI (as reported); not available in NY or WA
- Security
- Source reports a data breach and extortion incident in April 2026
- Coins
- Major crypto assets
- Trading fees
- Not stated in source
- Regulation
- Not stated in source
- Security
- Named by Finder as its security pick (2026)
- Min. investment
- $10
- Management fee
- 0.35% above $25,000 balance; free up to $25,000
- Regulators
- Not stated
- Accounts
- Automated portfolios
Wealthfront
Automated investing with tax-loss harvesting
Third-party figures, not checked with the provider
- Min. investment
- $500
- Management fee
- 0.25%
- Regulators
- Not stated
- Accounts
- Investment accounts
- Min. investment
- $0 (Premium $100,000)
- Management fee
- Not stated in source
- Regulators
- Not stated
- Accounts
- Investment accounts
Schwab Intelligent Portfolios
Investors who want no management fee
Third-party figures, not checked with the provider
- Min. investment
- $5,000
- Management fee
- No management fee (as reported)
- Regulators
- Not stated
- Accounts
- Investment accounts
Vanguard Digital Advisor
Low-cost long-term investors
Third-party figures, not checked with the provider
- Min. investment
- $100
- Management fee
- About 0.15% a year
- Regulators
- Not stated
- Accounts
- Investment accounts
SoFi Automated Investing
Users of an existing SoFi account
Third-party figures, not checked with the provider
- Min. investment
- Not stated
- Management fee
- No advisory fee (as reported)
- Regulators
- Not stated
- Accounts
- Investment accounts
- Min. investment
- Not stated
- Management fee
- $0 Chime Prime; 0.10% Chime Plus; 0.25% standard
- Regulators
- Not stated
- Accounts
- Investment accounts
- Rate type
- Variable (4.21% APY, April 2026 table)
- Min. balance
- No minimum (as reported)
- Protection
- Not stated
- Access
- Online
- Rate type
- Variable (4.00% APY, April 2026 table)
- Min. balance
- No minimum (as reported)
- Protection
- Not stated
- Access
- Online
- Rate type
- Variable (4.15% APY, July 2026)
- Min. balance
- Not stated
- Protection
- Not stated
- Access
- Online
- Rate type
- Variable (4.21% APY, May 2026 snapshot)
- Min. balance
- Not stated
- Protection
- Not stated
- Access
- Online
CIT Bank Platinum Savings
Savers who meet the balance
Third-party figures, not checked with the provider
- Rate type
- 4.10% APY for 6 months with promo code and $5,000+; then 3.75%
- Min. balance
- $5,000 minimum balance for the regular rate (as reported)
- Protection
- Not stated
- Access
- Online
Colorado Federal Savings Bank
Savers wanting no minimum
Third-party figures, not checked with the provider
- Rate type
- Variable (3.80% APY, April 2026 table)
- Min. balance
- $1 to earn interest; no minimum opening deposit (as reported)
- Protection
- Not stated
- Access
- Online; no checking or money market account
- Monthly fee
- No monthly fee (company claim)
- Card
- Not stated
- Spending abroad
- Not stated
- Protection
- Not stated
- Monthly fee
- Not stated
- Card
- Not stated
- Spending abroad
- Not stated
- Protection
- Not stated
- Monthly fee
- Not stated
- Card
- Not stated
- Spending abroad
- Not stated
- Protection
- Not stated
- Annual fee
- $95 (as reported)
- Rewards
- 75,000 bonus points welcome offer; 1x–5x (as reported)
- Foreign fee
- Not stated in source
- Credit needed
- Not stated
- Annual fee
- Not stated; listed among no-fee cards
- Rewards
- Not stated
- Foreign fee
- No foreign transaction fee (as reported)
- Credit needed
- Not stated
- Annual fee
- Listed among no-fee cards
- Rewards
- Not stated
- Foreign fee
- Not stated
- Credit needed
- Not stated
- Annual fee
- Listed among no-fee cards
- Rewards
- Not stated
- Foreign fee
- Not stated
- Credit needed
- Not stated
- Annual fee
- Listed among no-fee cards
- Rewards
- Not stated
- Foreign fee
- Not stated
- Credit needed
- Not stated
- Annual fee
- Listed among no-fee cards
- Rewards
- Not stated
- Foreign fee
- Not stated
- Credit needed
- Not stated
Bank of America Customized Cash Rewards
Choosing your cash-back category
Third-party figures, not checked with the provider
- Annual fee
- Listed among no-fee cards
- Rewards
- Not stated
- Foreign fee
- Not stated
- Credit needed
- Not stated
- Coins
- Major crypto assets
- Trading fees
- Crypto-to-crypto trading reported fee-free (Finder)
- Regulation
- Not stated in source
- Security
- Not stated in source
- Coins
- Major crypto assets
- Trading fees
- Named by Finder for low fees (2026); figures not stated
- Regulation
- Not stated in source
- Security
- Not stated in source
- Coins
- Major crypto assets
- Trading fees
- Not stated in source
- Regulation
- Not stated in source
- Security
- Not stated in source
- Min. deposit
- $5 (as reported)
- Regulators
- Not stated in source
- Spreads and fees
- Not stated in source
- Platforms
- Not stated in source
- Min. deposit
- $50 on its Direct STP account (as reported)
- Regulators
- Not stated in source
- Spreads and fees
- Not stated in source
- Platforms
- Not stated in source
- Transfer fee
- Variable fee about 0.35%–2.85% (as reported)
- Exchange rate
- Mid-market rate, no added margin (as reported)
- Speed
- Not stated
- Coverage
- Over 40 currencies (not stated)
- Transfer fee
- Flat fee varies by destination; $1.99 to Mexico bank deposit (as reported)
- Exchange rate
- Margin 0.5%–3.0% above mid-market (as reported)
- Speed
- Not stated
- Coverage
- Many countries (not stated)
- Transfer fee
- $1–$5 flat (as reported)
- Exchange rate
- 0.5%–2% bank transfer; up to 4% cash pickup (as reported)
- Speed
- Not stated
- Coverage
- Many countries (not stated)
- Transfer fee
- No upfront transfer fee (as reported)
- Exchange rate
- Not stated
- Speed
- Not stated
- Coverage
- Not stated
- Monthly fee
- Plan-based maintenance fees (as reported)
- Card
- Not stated
- Spending abroad
- Not stated
- Protection
- Not stated
- Monthly fee
- No maintenance fee (as reported)
- Card
- Cross-border transfers from 0.41% (as reported)
- Spending abroad
- Not stated
- Protection
- Not stated
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