Compared from 1,016 real customer reviews

Schwab Bank Investor Checking vs Merrill Edge Self-Directed vs YNAB

Side by side from 1,016 real reviews. Every count is the same as on each product’s page.

How the signal works
The signal score

A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.

So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.

74 signal

51 reviews

67 signal

79 reviews

81 signal

886 reviews

In short

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Many customers say it changed how they handle money, with zero-based budgeting that is worth the subscription once learned.

Liked mostreviews mentioning it

Watch forreviews mentioning it

Specs

Type
Checking account linked to a brokerage account
Fees
No monthly service fees or overdraft fees
Rates & rewards
Unlimited ATM fee rebates worldwide; no foreign transaction fees
Minimum
Not listed
Type
Brokerage account
Fees
$0 online stock, ETF and option trades; no annual account fees (options contract and other fees may apply)
Rates & rewards
Not listed
Minimum
No balance minimums
Type
Budgeting app
Fees
$109 a year (annual plan)
Rates & rewards
Not listed
Minimum
Not listed

More comparisons

Shares count reviews with a clear verdict from the recent window, like each product’s page. Tags are counted over the same reviews. All products