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Mercury (FDIC via sponsor banks)

Mercury

Default pick for funded startups — $0 fee, unlimited digital, clean integrations.

Best for: Funded startups, e-commerce operators, and fully-online professional services businesses that don't take in physical cash.

Relay (FDIC via sponsor banks)

Relay

Up to 20 sub-accounts per business — best for Profit First and multi-bucket budgeting.

Best for: SMBs running Profit First or any percentage-based cash allocation methodology that want up to 20 checking sub-accounts under one login.

Novo (FDIC via Middlesex Federal Savings, as of recent disclosure)

Novo

Free, simple business checking for solo entrepreneurs and freelancers.

Best for: Solo entrepreneurs, freelancers, single-member LLCs, and side-business operators who want a free simple business account they can open from a phone.

U.S. Bank

U.S. Bank Business Line of Credit

Bank-tier revolving credit, top-ranked LOC by loan count

Best for: Established U.S. Bank customers needing revolving credit at bank rates

JPMorgan Chase

Chase Business Line of Credit

National-bank revolving LOC for established Chase customers

Best for: Existing Chase Business customers with 2+ years of Chase deposit history

Wells Fargo

Wells Fargo BusinessLine

Unsecured revolving credit for Wells Fargo Business customers

Best for: Existing Wells customers needing $25K–$150K unsecured revolving credit

Goldman Sachs Bank USA

Marcus by Goldman Sachs Online Savings

Best all-around online savings — no fees, no minimums, Goldman backing.

Best for: Anyone wanting a simple, well-backed high-yield savings account with zero account-management friction.

Ally Bank

Ally Bank Online Savings

Best all-in-one online bank — savings + checking + investing under one roof.

Best for: People wanting savings + checking + investing accounts at the same online bank with consistent experience.

SoFi Bank, N.A.

SoFi Checking & Savings

Highest savings APY in the category — if you direct-deposit.

Best for: People willing to direct-deposit paychecks for the highest APY + a strong companion checking account.

Truist Bank

LightStream

Cheapest unsecured personal loan in the market for excellent credit.

Best for: Borrowers with 720+ FICO who want the lowest APR, longest terms, and no fees.

SoFi Bank, N.A.

SoFi Personal Loan

Best all-around personal loan for good-to-excellent credit.

Best for: Borrowers who want flexibility, member benefits, and unemployment protection at competitive rates.

Discover Bank

Discover Personal Loans

Fee-free loan with same-day decisions and a 30-day no-fee return policy.

Best for: Borrowers who want clarity, fast funding, and a chance to back out without cost.

Intuit Inc.

Credit Karma

Most-used free credit monitoring — VantageScores from TransUnion + Equifax.

Best for: Anyone wanting free monthly credit-score updates with broad ecosystem features.

Capital One Services, LLC

Capital One CreditWise

Free credit monitoring with strong dark-web scan and SSN tracking.

Best for: Anyone wanting Experian-side coverage without needing a Capital One account.

Experian Information Solutions, Inc.

Experian (Free Tier)

Direct from the bureau — FICO Score 8 access + dark-web scan free.

Best for: Borrowers wanting Experian-bureau coverage with an official FICO score (not VantageScore).

SoFi Bank, N.A.

SoFi Personal Loan (Debt Consolidation)

Best all-around personal loan for consolidating credit card debt.

Best for: Good-to-excellent credit borrowers consolidating $5K-$100K in credit card debt with no fees.

Cross River Bank (issuing partner)

Best Egg (Debt Consolidation Loan)

Debt consolidation specialist that pays your creditors directly.

Best for: Borrowers consolidating multiple credit card balances who want the lender to handle the disbursement.

Wells Fargo Bank, N.A.

Wells Fargo Reflect Card

Longest 0% intro APR balance transfer offer in market — 21 months interest-free.

Best for: Borrowers consolidating $3K-$15K who can pay it off within 21 months at their max affordable payment.

Rocket Mortgage, LLC

Rocket Mortgage

Largest US mortgage lender by origination volume — fully online, broad credit-box, fully digital close.

Best for: Borrowers who want a fully digital experience with broad loan-type coverage, strong refinance capability, or a low-down-payment option via the ONE+ program.

AmeriSave Mortgage Corporation

AmeriSave Mortgage

Direct online mortgage lender with competitive published rates and a fully digital application.

Best for: Rate-shoppers with W-2 income and 620+ FICO who want competitive online quotes, a fully digital process, and a broad product menu including FHA and VA.

Veterans United Home Loans

Veterans United Home Loans

The default pick for VA loan borrowers — both rate and process.

Best for: Active-duty service members, veterans, and qualifying surviving spouses using VA loan benefits.

Truist Bank

LightStream Auto Loan

Lowest APR floor for excellent-credit auto borrowers — no fees, fast funding.

Best for: Borrowers with 720+ FICO buying new or used at any dealer or private party.

Bank of America, N.A.

Bank of America Auto Loan

Preferred Rewards customers get tiered rate discounts up to 0.50%.

Best for: Existing BofA / Merrill customers who can stack the relationship rate discount.

Capital One Auto Finance

Capital One Auto Navigator

Pre-qualification with soft pull + 12,000+ dealer network — easiest place to start.

Best for: First-time auto-loan shoppers who want to see real rate quotes without any credit-score impact.

Sallie Mae Bank

Sallie Mae Smart Option Student Loan

Broadest undergraduate coverage — co-signer release after 12 on-time payments.

Best for: Undergraduate borrowers who need a co-signer now and want a clear path to release after 12 months of on-time payments.

College Ave Student Loans, LLC

College Ave Student Loans

Four in-school repayment options — most flexible payment structure among private lenders.

Best for: Borrowers who want to control their in-school payment and reduce total interest before graduation.

Earnest LLC (a Goldman Sachs / Marcus company)

Earnest Private Student Loans

Merit-based underwriting for graduate borrowers — financial trajectory matters alongside FICO.

Best for: Graduate and professional borrowers (law, MBA, medical) with strong income trajectory who want a low-fee lender.

GEICO

GEICO Auto Insurance

Lowest average premiums in most states with strong digital experience.

Best for: Drivers with clean records, prime credit, and standard underwriting profiles who want the lowest-cost national carrier.

Progressive

Progressive Auto Insurance

Broadest credit-box and the strongest underwriting for high-risk drivers.

Best for: Drivers with accidents, DUIs, sub-prime credit, or non-standard underwriting profiles. Also useful for usage-based-insurance fans.

USAA

USAA Auto Insurance

Highest claims-satisfaction scores in the industry — military families only.

Best for: Active-duty military, veterans, and immediate family members of either. Restricted membership.

RateGenius

RateGenius Auto Refinance

Specialist with the largest credit-union network for auto refi rate shopping.

Best for: Borrowers with prime credit who want to shop multiple credit unions in one application.

AutoPay

AutoPay Auto Refinance

Specialist serving fair-to-prime credit with same-day pre-qual.

Best for: Borrowers with credit in the 580-720 band who need refi options on a faster timeline.

Caribou

Caribou Auto Refinance

Digital-first auto refinance specialist with strong UX and bundled insurance shopping.

Best for: Borrowers who want a digital-first refi experience and are open to shopping insurance simultaneously.

Fidelity Investments

Fidelity Investments

Best all-around brokerage — no PFOF, $0 minimums, best-in-class research.

Best for: Investors of all experience levels who want commission-free trading with best-execution routing and a full suite of account types.

Charles Schwab (includes legacy TD Ameritrade accounts)

Charles Schwab

Full-service brokerage with thinkorswim for active traders and Schwab Intelligent Portfolios for hands-off investors.

Best for: Investors who want one platform for DIY, active trading (thinkorswim), and robo-advisory — all under one account.

Vanguard

Vanguard

The index fund home — lowest-cost ETFs and mutual funds, owned by its investors.

Best for: Long-term, buy-and-hold investors building a simple index portfolio who prioritize the lowest fund expense ratios.

TaxHawk, Inc.

FreeTaxUSA

Federal filing free for everyone — even self-employed and complex returns.

Best for: Anyone with a federal return who wants professional-grade software at near-zero cost.

Block, Inc.

Cash App Taxes

Free federal AND state filing — no upsells, no premium tier.

Best for: Cash App users with relatively straightforward returns who want zero-cost filing.

U.S. Internal Revenue Service

IRS Direct File

Suspended for the 2026 filing season — not currently available.

Best for: Not usable right now. Historically fit W-2 employees with straightforward returns in participating states — the IRS Free File Alliance (FreeTaxUSA, TaxAct) is the closest free alternative this season.

Birch Gold Group

Birch Gold Group

The only major gold IRA company that publishes its full fee schedule on its website.

Best for: Investors who want fee transparency before they talk to a sales rep.

American Hartford Gold

American Hartford Gold

BBB A+ rated with a no-back-end-fee buyback commitment — useful for exit planning.

Best for: Investors who prioritize having a clear exit path when they want to liquidate.

Noble Gold Investments

Noble Gold Investments

Lower minimum investment and strong customer review volume; lowest-fee claim needs verification.

Best for: Investors starting with smaller allocations who want to compare against Birch Gold's published fee schedule.

Figure Lending LLC

Figure Home Equity Loan

Fastest home equity loan closing on this list — 5-business-day average from application to funding.

Best for: Homeowners who value speed and a fully digital experience over in-person banking relationships.

Discover Bank

Discover Home Loans — Home Equity Loan

No origination, appraisal, or application fees on home equity loans.

Best for: Homeowners who want to avoid upfront and closing fees on a fixed-rate home equity loan.

Rocket Mortgage, LLC

Rocket Mortgage Home Equity Loan

Digital-first home equity lending — strongest fit for existing Rocket mortgage holders.

Best for: Homeowners whose primary mortgage is already at Rocket Mortgage and want a streamlined second-lien experience.

State Farm

State Farm Home Insurance

Largest US home insurer with strongest local-agent network + bundling discount.

Best for: Homeowners who want a local-agent relationship and bundle auto + home for the discount.

Allstate

Allstate Home Insurance

Strong discount stack + Claim RateGuard for clean-claim-history homeowners.

Best for: Homeowners with claim-free history who want multiple discount stacking + Allstate auto bundling.

Liberty Mutual

Liberty Mutual Home Insurance

Deepest coverage feature menu — water backup, identity theft, blanket-jewelry rider.

Best for: Homeowners with valuable property who want broad rider coverage beyond standard policies.

Choice Home Warranty

Choice Home Warranty

Largest national footprint with broad contractor network and competitive base pricing.

Best for: Homeowners who want a national-network carrier with strong base coverage at moderate price.

American Home Shield

American Home Shield (AHS)

Industry pioneer with strongest brand recognition and tiered coverage menu.

Best for: Homeowners who want established-brand reliability and flexible tier-up coverage options.

Liberty Home Guard

Liberty Home Guard

Highest claims-approval rate in independent surveys with strong contractor quality.

Best for: Homeowners willing to pay slightly more for higher actual-payout reliability.

Aura

Aura

All-in-one identity, financial, and device protection with $1M insurance — one of the most comprehensive single-subscription plans.

Best for: Individuals and families who want credit monitoring, dark web scanning, VPN, antivirus, and password management bundled in one plan.

LifeLock, part of Gen (formerly NortonLifeLock)

LifeLock (Norton)

One of the most recognized names in identity theft protection — tiered plans from $12.49/mo up to $3M in coverage.

Best for: Buyers who want the most established brand in the category with strong insurance backing and flexible tier options.

Identity Guard (Aura subsidiary)

Identity Guard

IBM Watson-powered risk scoring with strong family plans and one of the lowest entry prices on this list.

Best for: Budget-conscious buyers who want three-bureau monitoring and $1M insurance without paying premium pricing.

Haven Life (a MassMutual company)

Haven Life

Digital-first term life with fast same-day decisions, backed by MassMutual's A++ financial strength.

Best for: Healthy buyers 18-64 who want quote-to-policy in under 20 minutes, backed by century-old financial strength.

Bestow

Bestow

Algorithmic underwriting with no medical exam required for up to $1.5M coverage.

Best for: Buyers who want zero-friction underwriting and don't need rider customization.

Ethos

Ethos Life

Fast-decision term life with strong pricing for fair-to-good health profiles.

Best for: Buyers who want fast underwriting AND broader-than-Bestow health acceptance.

Lemonade

Lemonade Pet Insurance

Cheapest digital-first pet insurance with AI claims handling.

Best for: Young healthy pets in supported states; owners who want an app-only experience.

Healthy Paws

Healthy Paws Pet Insurance

Industry-leading reputation with no payout caps — accident & illness specialist.

Best for: Owners who want unlimited annual + lifetime coverage caps and a strong claims track record.

Embrace

Embrace Pet Insurance

Best for older pets — covers more pre-existing-adjacent conditions than competitors.

Best for: Older pets (5+ years) and owners who want a wellness rewards option.

Tax Defense Network

Tax Defense Network

A+ BBB-rated firm staffed by attorneys, CPAs, and enrolled agents — operating since 2007.

Best for: Taxpayers who want a nationally recognized firm with CPA/EA/attorney representation and a documented track record since 2007.

Optima Tax Relief

Optima Tax Relief

High-volume national firm; BBB Ethics Award winner; 15-day money-back guarantee on the investigation phase.

Best for: Taxpayers who want a large firm with a documented money-back window on the initial phase and a BBB Ethics Award on record.

Community Tax

Community Tax

Full-spectrum tax resolution firm staffed by attorneys, CPAs, enrolled agents, and negotiators.

Best for: Taxpayers who want a firm with a full credentialed team — attorneys, CPAs, EAs, and negotiators — for complex cases.

Lemonade

Lemonade Renters Insurance

Cheapest digital-first renters insurance with AI claims handling.

Best for: Renters in supported states who want the lowest premium with an app-only experience.

State Farm

State Farm Renters Insurance

Strongest bundling discount when combined with State Farm auto.

Best for: Renters with State Farm auto (or evaluating both) who want a local-agent relationship.

Allstate

Allstate Renters Insurance

Strong bundling + multi-policy discount stack for renters with auto.

Best for: Renters with Allstate auto (or evaluating both) who want the deeper discount stack.

Intuit

QuickBooks Online

The default for SMBs working with a CPA — deepest CPA-side workflow on the market.

Best for: Most U.S. SMBs working with a CPA. Default for retail, e-commerce, contractors, professional services when you don't have a specific reason to choose something else.

Intuit

QuickBooks Solopreneur

Schedule C-optimized for sole props and 1099 contractors — lighter and cheaper than QBO.

Best for: Sole proprietors, single-member LLCs filing on Schedule C, side-hustle operators, and 1099 contractors who want business/personal separation and mileage tracking.

Xero

Xero

Best QuickBooks alternative — strongest for service businesses and project work.

Best for: Service businesses (agencies, consultancies, professional services), project-based operators, multi-currency businesses, and operators with CPA partners who prefer Xero.

OnDeck Capital, Inc.

OnDeck

Fast term loans and credit lines — one of the few lenders here that publishes its real average APR.

Best for: Established businesses (1+ year, $100K+ revenue) that want speed and can tolerate a high-APR average.

Bluevine

Bluevine

Clear eligibility bar, fast draws — but rates aren't published anywhere on the site.

Best for: Businesses that want a revolving credit line from a well-capitalized fintech and value fast (even instant) access to funds.

Fundbox, Inc.

Fundbox

Lowest eligibility bar in this set — 3 months in business — but expensive credit.

Best for: Newer or thin-file businesses that can show 3+ months of business-checking history and want the lowest revenue bar on this list.

11 Federal Agencies (DoD, NIH, NSF, DOE, NASA, USDA, others)

SBIR Phase I

Largest non-dilutive R&D grant — $50K–$295K for feasibility-stage technical ideas.

Best for: For-profit U.S. businesses under 500 employees with an R&D project aligned to a participating agency's published topic areas.

11 Federal Agencies (DoD, NIH, NSF, DOE, NASA, USDA, others)

SBIR Phase II

Highest-dollar non-dilutive grant — $750K–$2M+ for Phase I winners moving to development.

Best for: Phase I SBIR winners with demonstrated feasibility ready to move to full R&D development over 24 months.

11 Federal Agencies

STTR Phase I and II

SBIR companion for R&D requiring a university or non-profit research partnership.

Best for: R&D businesses pursuing technical work that genuinely requires a non-profit research institution partner (university, federal lab).

Allianz Global Assistance

Allianz Travel Insurance

Industry-leading comprehensive coverage with strong claims-handling reputation.

Best for: Travelers who want broad coverage from an established global brand with strong claims track record.

AIG Travel Guard

Travel Guard (AIG)

Backed by AIG with strong global emergency assistance network.

Best for: International travelers who prioritize emergency medical + evacuation coverage.

Generali

Generali Global Assistance

Premium-tier coverage with the broadest list of covered cancellation reasons.

Best for: Higher-end international trips where comprehensive coverage matters more than price.

NAUPA — National Association of Unclaimed Property Administrators

unclaimed.org

Official NAUPA portal — all 50 states plus DC, territories, and Canadian provinces.

Best for: First search everyone should run. Covers virtually every state from one form.

NAUPA-affiliated multi-state search engine

MissingMoney.com

NAUPA-affiliated multi-state search — deeper state integration than unclaimed.org for some states.

Best for: Second search to run alongside unclaimed.org — different state feeds mean different results.

Pension Benefit Guaranty Corporation (US federal agency)

PBGC Missing Participants Search

Find lost pension benefits from terminated private-sector employer plans.

Best for: Anyone who worked for a private-sector employer with a defined-benefit pension plan that ended.