The other thing is to really avoid charges from using ATM (Geldautomats). DB was OK with that; no charges at any DB and several other banks. You get hit with huge charges if you use you EC card to get cash at a bank outside your home banking system. I may be wrong, but I think Sparkasse is one of the worst for that. 1. Posted 27 Aug 2011. All Sparkasse use the same network. We have had the same issues with Sparkasse. My wife's bank will transfer funds in matter of hours while Sparkasse will take 1-3 days. The Sparkasse advantage (only one IMHO) is the free of charge use Germany wide at all ATM's belonging to the Sparkasse network. According to the most recent Federal Reserve data, the top 10 retail banks in the U.S. by assets are: Chase Bank. Bank of America. Wells Fargo. Citibank. U.S. Bank. PNC Bank. Customer service. 5.0/5. APY. 5.10%. Our take. More details. Depending on where you go to school, you might have seen a BMO Harris bank branch. However, the Alto savings account is an online-only Best overall: Alliant Credit Union Kids Savings Account. Best for setting savings goals: Capital One Kids Savings Account. Best for financial education: PNC Bank S is for Savings ®. Best for Capital One 360 Checking and 360 Savings are both best-in-class accounts. Low fees, good interest rates, and a focus on a high-tech experience all make Capital One a top overall bank and our number one pick for millennials. This bank was also our runner-up for the best bank overall, so it may be a good choice beyond the millennial demographic. 2. johnoliverscock • 2 yr. ago. Du hast als Student dein erstes Konto? hasdfgb • 2 yr. ago. Sparkasse hat Apple Pay & Co, da hängt die Postbank hinterher. Die Sparkasse hat mehr Geldautomaten und Filialen. Wenn eine Kreditkarte benötigt wird, ist die Sparkasse leicht güstiger, ansonsten die Postbank. KeyBlogger • 2 yr. ago. I went with Sparkasse. But when I start working full-time, I will probably switch to N26 and use Sparkasse for savings. ZedArabianX13 • 2 yr. ago. Sparkasse if you prefer to have a physical bank that you can go to, it's available everywhere, and it's free for students as far as I can remember. fdcAaT4.