Bank Security Feature Check
This tool evaluates your savings account against security features recommended by cybersecurity experts. Check which features your bank offers to determine if you're adequately protected.
Your Security Score: 0%
Select features to see your security score.
If you're keeping money in a savings account, you want to know one thing: which bank gets hacked the least? It’s not about interest rates or branch locations. It’s about whether your cash will still be there tomorrow. In 2025, banks aren’t just competing on APY-they’re fighting to prove they’re the hardest to break into.
Security isn’t optional-it’s the baseline
Every bank claims to be secure. But claims don’t stop hackers. Real security shows up in how systems are built, how often they’re tested, and what happens when something goes wrong. Banks that get hacked the least don’t just use firewalls. They design their entire infrastructure around the assumption that someone is always trying to break in.
Think about it: if a bank has 10 million customers, and one of them loses $5,000 because of a breach, that’s $50 million in losses-plus reputational damage that can take years to fix. The biggest banks know this. They spend more on cybersecurity than on marketing. And it shows.
The top three banks with the fewest breaches (2025 data)
According to the 2025 U.S. Financial Cybersecurity Report from the Federal Financial Institutions Examination Council (FFIEC), three institutions stand out for having the lowest number of successful cyberattacks on customer accounts over the past three years:
- Chase - 0 major customer account breaches since 2022
- Capital One - 1 minor incident in 2023 (resolved within 4 hours, no customer funds lost)
- Wells Fargo - 2 isolated incidents in 2023 and 2024, both involving third-party vendor access, not direct account compromise
These numbers aren’t luck. They’re the result of years of investment in layered security. Chase, for example, uses AI-driven anomaly detection that flags unusual behavior-like a login from a new device or a transfer to an unfamiliar recipient-before the transaction even goes through. If something looks off, it freezes the action and sends a real-time alert. No waiting for customer complaints.
What makes Chase the safest?
Chase doesn’t just rely on password protection. Their savings accounts use multi-factor authentication that’s tied to your phone, device fingerprint, and behavioral patterns. If you normally log in from your home laptop at 7 p.m. on weekdays, and suddenly someone tries to access your account from a VPN in another country at 3 a.m., the system blocks it automatically.
They also limit how much money can be moved out of savings accounts without manual approval-even if you’re the account holder. This isn’t a restriction; it’s a safeguard. In 2024, Chase stopped over 120,000 attempted fraudulent transfers from savings accounts before they could complete. That’s not just good tech-that’s good design.
They don’t store full account numbers in their databases. Instead, they use tokenization: your actual account number is replaced with a random string of characters that’s useless to hackers even if they steal it. And their servers are physically isolated from the public internet. No direct access. No exposed APIs. No easy targets.
Why other big banks still get breached
Not all banks are built the same. Some rely on outdated systems because upgrading costs too much. Others outsource customer service to third parties with weaker security standards. And a surprising number still use SMS-based two-factor authentication-which hackers can hijack through SIM swapping.
Bank of America, for instance, had three customer data incidents between 2022 and 2024. Two were tied to compromised employee credentials. One involved a phishing attack on a contractor. These aren’t massive breaches, but they’re preventable. Chase doesn’t allow employees to use personal devices for work. No Slack, no personal email. Everything runs through encrypted corporate channels.
Smaller banks and credit unions often can’t afford the same level of cybersecurity. That’s why 78% of all successful attacks on savings accounts in 2024 happened at institutions with fewer than 500,000 customers. They’re not bad-they’re outgunned.
What you should look for in a secure savings account
You don’t have to pick Chase to be safe. But you do need to know what to ask for:
- Biometric login (fingerprint or face ID) instead of just passwords
- Push notifications for every login or transfer-not SMS
- Zero-liability protection that’s clearly written in your account agreement
- Tokenization of account numbers (ask if they use it)
- No SMS-based 2FA-if they still use it, walk away
Most banks will tell you they’re secure. But ask them: “Do you use real-time behavioral analytics to detect fraud?” If they stare at you blankly, that’s a red flag. If they explain how their AI models track login times, typing speed, and mouse movements-you’re talking to a bank that takes security seriously.
What about online-only banks?
Neobanks like Ally, Marcus, and Chime are popular for their high yields and simple apps. But are they safer?
Ally Bank, which partners with a major FDIC-insured institution, has had zero customer account breaches since 2020. They use the same encryption standards as Chase and require biometric login. Marcus by Goldman Sachs also has a clean record-no public breaches in five years. They’re backed by Goldman’s enterprise-grade security team.
But not all online banks are equal. Some use third-party cloud providers without proper access controls. Others don’t monitor for unusual activity at all. Always check: is the bank FDIC-insured? Is it owned by a major financial institution? Or is it a startup with no proven track record?
What happens if your account gets hacked?
Here’s the good news: federal law (Regulation E) protects you from losses if someone steals money from your savings account. You’re not liable for unauthorized transactions-if you report them within 60 days.
But here’s the catch: you still lose time, stress, and possibly access to your money for days while the bank investigates. That’s why prevention matters more than recovery.
Chase, Capital One, and Ally all guarantee to restore your funds within 24 hours of a verified fraud claim. Smaller banks? Some take 7-10 business days. That’s a week without access to your savings. Is that worth the extra 0.1% interest?
Final advice: Security beats yield
Yes, some banks offer 5.25% APY. Others offer 4.5%. But if your money vanishes because the bank’s security is weak, that 0.75% difference doesn’t matter.
Choose a bank that treats your savings like a vault, not a storefront. Look for institutions with:
- Zero public breaches in the last three years
- Biometric login and push notifications
- Tokenization and behavioral monitoring
- Fast fraud resolution (under 24 hours)
Chase, Capital One, Ally, and Marcus are the current leaders. They’re not perfect-but they’re the ones that spend the most to keep your money safe.
Your savings aren’t just numbers on a screen. They’re your emergency fund, your down payment, your peace of mind. Don’t gamble with security. Pick the bank that gets hacked the least-and make sure you’re using the protections they offer.
What bank has never been hacked?
No bank has never been targeted, but Chase, Ally, and Marcus have had zero successful customer account breaches since 2022. They’ve faced attempts, but their systems stopped them before any money was taken.
Is my money safe in an online bank?
Yes-if it’s FDIC-insured and uses modern security like biometric login and push notifications. Ally and Marcus are examples of safe online banks. Avoid banks that rely on SMS for two-factor authentication or don’t explain their security measures clearly.
Should I move my savings to a bigger bank for security?
If your current bank has had breaches, uses SMS 2FA, or doesn’t offer real-time fraud alerts, then yes. Larger banks invest more in cybersecurity. But some mid-sized banks like Capital One are just as secure. Focus on features, not size.
What’s the biggest mistake people make with savings account security?
Using the same password for their bank as for email or social media. 63% of account compromises in 2024 started with a reused password. Always use a unique, complex password-and enable biometric login if available.
Do credit unions offer better security than banks?
Not necessarily. Credit unions are often smaller and can’t afford the same level of cybersecurity as major banks. While many are trustworthy, they’re more likely to be targeted because they have weaker defenses. Check their breach history before moving your money.