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 categories Full rankings

#1 · Capital One

Banking

Terms of service

Score95.0Open review

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

#2 · Wells Fargo

Banking

Terms of service

Score83.0Open review

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

#3 · Capital One

Banking

Privacy policy

Score78.0Open review

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

#4 · Chase

Banking

Privacy policy

Score73.0Open review

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

#5 · Bank of America

Banking

Privacy policy

Score69.0Open review

Severity1 high0 med7 low

Risk flags

2 findings

1 high1 low

Data use

5 findings

5 low

Cancellation

No billing surprises spotted

Gotchas

1 finding

1 low

Protections

None cited

#6 · Wells Fargo

Banking

Privacy policy

Score65.0Open review

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

#7 · PayPal

Banking

Privacy policy

Score58.0Open review

Severity0 high6 med4 low

Risk flags

6 findings

6 med

Data use

4 findings

4 low

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#8 · Venmo

Banking

Privacy policy

Score52.0Open review

Severity2 high2 med6 low

Risk flags

3 findings

2 high1 med

Data use

4 findings

4 low

Cancellation

No billing surprises spotted

Gotchas

3 findings

1 med2 low

Protections

None cited

#9 · Chase

Banking

Terms of service

Score44.0Open review

Severity3 high4 med2 low

Risk flags

3 findings

3 high

Data use

2 findings

1 med1 low

Cancellation

No billing surprises spotted

Gotchas

4 findings

3 med1 low

Protections

None cited

#10 · Block

Banking

Privacy policy

Square

Score42.0Open review

Severity1 high0 med16 low

Risk flags

1 finding

1 high

Data use

13 findings

13 low

Cancellation

1 finding

1 low

Gotchas

2 findings

2 low

Protections

None cited

#11 · PayPal

Banking

Terms of service

Score36.0Open review

Severity4 high3 med3 low

Risk flags

4 findings

4 high

Data use

No data-use concerns flagged

Cancellation

2 findings

2 low

Gotchas

4 findings

3 med1 low

Protections

None cited

#12 · Bank of America

Banking

Terms of service

Score35.0Open review

Severity6 high1 med0 low

Risk flags

6 findings

6 high

Data use

1 finding

1 med

Cancellation

No billing surprises spotted

Gotchas

No hidden gotchas

Protections

None cited

#13 · Block

Banking

Terms of service

Square

Score0.0Open review

Severity4 high11 med4 low

Risk flags

8 findings

4 high4 med

Data use

5 findings

4 med1 low

Cancellation

3 findings

3 low

Gotchas

3 findings

3 med

Protections

None cited

#14 · Venmo

Banking

Terms of service

Score0.0Open review

Severity5 high10 med3 low

Risk flags

8 findings

5 high3 med

Data use

1 finding

1 low

Cancellation

4 findings

3 med1 low

Gotchas

5 findings

4 med1 low

Protections

None cited