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Category hub

Banking

Banks and neobanks set fees, freeze rules, and data-sharing limits that affect every account. Compare published banking policies side by side.

Scores start at 100 and deduct for cited concerns. Higher scores rank first. Informational only. Not legal advice.

All categoriesFull rankings
Reviews ranked31
Average score68.4
High findings58

Scoreboard snapshot

Top 3 and score bands (strong ≥90, mixed 70–89, rough <70).

  1. Ally Financial Inc.Privacy policy · Ally98.0
  2. Citigroup Inc.Terms of service · Citi97.0
  3. United Services Automobile AssociationPrivacy policy · USAA97.0
Strong10
Mixed7
Rough14

Ranked reviews

Same scoreboard as library rankings for this industry.

#1 · Ally Financial Inc.

Banking

Privacy policy

Ally

Score98.0
Severity0 high1 med2 low

Risk flags

No major risk flags

Data use

2 findings

1 med1 low

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

3 protections

#2 · Citigroup Inc.

Banking

Terms of service

Citi

Score97.0
Severity0 high0 med1 low

Risk flags

No major risk flags

Data use

1 finding

1 low

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#3 · United Services Automobile Association

Banking

Privacy policy

USAA

Score97.0
Severity0 high0 med1 low

Risk flags

No major risk flags

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

None cited

#4 · Regions Financial Corporation

Banking

Privacy policy

Regions Bank

Score95.0
Severity0 high1 med0 low

Risk flags

No major risk flags

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#5 · Regions Financial Corporation

Banking

Terms of service

Regions Bank

Score95.0
Severity0 high1 med0 low

Risk flags

No major risk flags

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#6 · United Services Automobile Association

Banking

Terms of service

USAA

Score95.0
Severity0 high1 med0 low

Risk flags

No major risk flags

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 med

Protections

None cited

#7 · Capital One

Banking

Terms of service

Score95.0
Severity0 high1 med0 low

Risk flags

No major risk flags

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 med

Protections

None cited

#8 · Bank of America

Banking

Privacy policy

Score94.0
Severity1 high1 med0 low

Risk flags

1 finding

1 high

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

3 protections

#9 · Google

Banking

Privacy policy

Google Pay

Score93.0
Severity0 high2 med1 low

Risk flags

No major risk flags

Data use

3 findings

2 med1 low

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

2 protections

#10 · Discover Financial Services

Banking

Privacy policy

Discover Bank

Score90.0
Severity1 high0 med0 low

Risk flags

1 finding

1 high

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#11 · Ally Financial Inc.

Banking

Terms of service

Ally

Score85.0
Severity1 high1 med0 low

Risk flags

1 finding

1 high

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#12 · Wells Fargo

Banking

Terms of service

Score83.0
Severity0 high1 med4 low

Risk flags

1 finding

1 med

Data use

2 findings

2 low

Cancellation

No billing surprises spotted

Gotchas

2 findings

2 low

Protections

None cited

#13 · Venmo

Banking

Privacy policy

Score82.0
Severity0 high6 med0 low

Risk flags

2 findings

2 med

Data use

4 findings

4 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

4 protections

#14 · Citigroup Inc.

Banking

Privacy policy

Citi

Score78.0
Severity1 high3 med1 low

Risk flags

3 findings

1 high2 med

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

2 protections

#15 · Capital One

Banking

Privacy policy

Score78.0
Severity1 high0 med4 low

Risk flags

1 finding

1 high

Data use

3 findings

3 low

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

None cited

#16 · Chase

Banking

Privacy policy

Score73.0
Severity0 high3 med4 low

Risk flags

3 findings

3 med

Data use

1 finding

1 low

Cancellation

No billing surprises spotted

Gotchas

3 findings

3 low

Protections

None cited

#17 · Revolut Ltd

Banking

Privacy policy

Revolut

Score70.0
Severity3 high0 med0 low

Risk flags

3 findings

3 high

Data use

No data-use concerns flagged

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#18 · Wells Fargo

Banking

Privacy policy

Score65.0
Severity2 high0 med5 low

Risk flags

2 findings

2 high

Data use

4 findings

4 low

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

None cited

#19 · PayPal

Banking

Privacy policy

Score59.0
Severity2 high6 med0 low

Risk flags

2 findings

2 high

Data use

5 findings

5 med

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 med

Protections

3 protections

#20 · Chase

Banking

Terms of service

Score55.0
Severity3 high3 med0 low

Risk flags

2 findings

2 high

Data use

2 findings

2 med

Cancellation

1 finding

1 high

Gotchas

1 finding

1 med

Protections

None cited

#21 · Wise US Inc.

Banking

Terms of service

Wise

Score53.0
Severity3 high4 med2 low

Risk flags

3 findings

3 high

Data use

1 finding

1 med

Cancellation

2 findings

1 med1 low

Gotchas

3 findings

2 med1 low

Protections

3 protections

#22 · Current Holdings, Inc.

Banking

Privacy policy

Current

Score52.0
Severity3 high3 med2 low

Risk flags

3 findings

3 high

Data use

4 findings

3 med1 low

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

1 protection

#23 · PayPal

Banking

Terms of service

Score51.0
Severity3 high5 med1 low

Risk flags

2 findings

2 high

Data use

4 findings

4 med

Cancellation

1 finding

1 low

Gotchas

2 findings

1 high1 med

Protections

3 protections

#24 · Block

Banking

Privacy policy

Square

Score48.0
Severity1 high9 med0 low

Risk flags

2 findings

1 high1 med

Data use

4 findings

4 med

Cancellation

No billing surprises spotted

Gotchas

4 findings

4 med

Protections

1 protection

#25 · Discover Financial Services

Banking

Terms of service

Discover Bank

Score45.0
Severity4 high3 med0 low

Risk flags

4 findings

4 high

Data use

3 findings

3 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#26 · Current Holdings, Inc.

Banking

Terms of service

Current

Score41.0
Severity3 high7 med1 low

Risk flags

4 findings

3 high1 med

Data use

3 findings

3 med

Cancellation

2 findings

2 med

Gotchas

2 findings

1 med1 low

Protections

3 protections

#27 · Bank of America

Banking

Terms of service

Score40.0
Severity5 high2 med0 low

Risk flags

4 findings

4 high

Data use

1 finding

1 med

Cancellation

2 findings

1 high1 med

Gotchas

No hidden gotchas

Protections

None cited

#28 · Venmo

Banking

Terms of service

Score34.0
Severity5 high5 med0 low

Risk flags

9 findings

5 high4 med

Data use

No data-use concerns flagged

Cancellation

1 finding

1 med

Gotchas

No hidden gotchas

Protections

3 protections

#29 · Revolut Ltd

Banking

Terms of service

Revolut

Score34.0
Severity5 high5 med0 low

Risk flags

5 findings

5 high

Data use

No data-use concerns flagged

Cancellation

2 findings

2 med

Gotchas

3 findings

3 med

Protections

3 protections

#30 · Block

Banking

Terms of service

Square

Score25.0
Severity5 high5 med1 low

Risk flags

5 findings

5 high

Data use

4 findings

3 med1 low

Cancellation

1 finding

1 med

Gotchas

1 finding

1 med

Protections

1 protection

#31 · Google

Banking

Terms of service

Google Pay

Score19.0
Severity6 high6 med0 low

Risk flags

6 findings

6 high

Data use

3 findings

3 med

Cancellation

1 finding

1 med

Gotchas

2 findings

2 med

Protections

3 protections