With more and more national banks vying for your hard-earned cash, it can be difficult to choose which bank is best for you. It’s important to do your research and read reviews to make the decision easier.
Every bank has pros and cons, so we evaluated the best nationwide banks and current promotions to help you choose, no matter where you live across the US. It is important to keep in mind that the best bank for you may not be the same as what is best for someone else, so do your research before making a final decision.
14 Best National Banks
Here are the top 14 nationwide banks for 2023:
- Chase Bank
- CIT Bank
- Discover Bank
- NBKC
- PNC Bank
- Wells Fargo
- Ally
- Barclays
- CitiBank
- Bank of America
- TD Bank
- US Bank
- Capital One
- Huntington Bank
1. Chase Bank
Best Overall
Chase is the largest bank in the US and it has a lot to offer. Chase has a wide range of products and services that are tailored to meet the needs of its customers. Its credit cards have some of the best perks you can find, and they have options for personal and business checking. They offer a wide range of investment opportunities to help you achieve your financial goals.
The sign-up bonuses are one of the things that attract people to Chase. Chase’s rewards programs allow customers to maximize their savings and make their money go further. Chase offers large cash bonuses for its checking and savings accounts.
Many of today’s banks are online, but if you prefer physical branches, Chase is also suitable for that. There are more than 4,700 branches and 16,000 Chase ATMs. Chase Bank has a variety of convenient banking services.
Chase does not offer high-yield checking or savings accounts. Chase’s focus seems to be more on providing a broad suite of banking services, rather than offering the best rates and highest yields. The basic checking account has no interest at all. It’s hard to grow your savings or reach your financial goals because of this.
Chase Credit Cards have fantastic benefits that you may not be able to find elsewhere, so there is a lot that is good about Chase.
Learn More:
- Current Chase Bank Promotions
- Read our full Chase Bank Review
2. CIT Bank
CIT bank offers checking accounts, savings accounts, CDs, and money-market accounts.
There are several accounts at CIT Bank. We primarily see this with the Savings Builder and Savings Connect accounts, which offer rates that are slightly higher than most other institutions
Its money market and some of its CDs have higher interest rates than you will find elsewhere. It is important to compare the interest rates of different banks. Mortgages and home loans are also available. These loans can be used to purchase a home or to get a lower interest rate on an existing mortgage.
Learn More:
- Read our full CIT Bank Review
3. Discover Bank
If you thought Discover was a credit card and nothing else, you would be wrong. The other banks on this list have a full suite of banking products.
You will have access to online banking, personal loans, and even student loans with Discover. Home equity lines of credit are also available. A home equity line of credit, or HELOC, is a great way to access the equity you’ve built in your home for things like major renovations, debt consolidation, or other large expenses. You have access to over 60,000 fee-free ATMs with their checking accounts. You can get reimbursed up to $10 per month for ATM fees charged by other banks with their checking accounts.
Discover does not offer business banking, which is one of the only things missing from this picture. Student loans and investments are some of the financial services Discover offers. Still, their online savings accounts, money market accounts, and CDs have competitive to excellent interest rates, and their website has a friendly interface. They are worth a look. These items are worth considering if you’re looking for something unique.
Learn More:
- Current Discover Bank Promotions
- Read our full Discover Bank Review
4. nbkc bank
If you live in the Kansas City area, the National Bank of Kansas City has four branches. Checking and savings accounts, mortgage loans, and other financial services are offered by the National Bank of Kansas City.
The main banking products nbkc bank offers are personal and business checking, home loans, and business and personal credit cards. The checking account rates are much higher than you would typically see, with their personal checking and money market accounts offering high interest rates. It’s easy to manage and track your finances with their online banking platform.
There is no minimum balance for personal checking accounts after a $5 deposit. You don’t have to pay a fee to make deposits or withdrawals. Over 30,000 ATMs are fee-free and there are no overdraft fees.
Even though you may not have heard of it, there is a lot to like about the things nbKC has to offer. Their customer service is top-notch, making them a great choice for anyone looking for an excellent banking experience.
5. PNC Bank
When it comes to brick-and-mortar locations, PNC has a solid national presence. No matter where you are in the country, PNC has you covered.
One of the biggest national banks in the country operates in 21 states across 2,300 locations. It has a wide range of products and services for both large and small customers.
PNC’s Virtual wallet is one of the most popular products. Virtual wallet is an innovative product that allows customers to easily manage their finances, making it a great choice for those looking to stay on top of their budget. The package includes checking, short-term savings, and long-term savings accounts. It’s easier to keep track of your money with this package.
6. Wells Fargo
Wells Fargo has a lot of branches. There are over 5,000 Wells Fargo branches in the United States. With roughly 4,700 branches (as of 2022), Wells Fargo has the most. The commitment of Wells Fargo to providing customers with the best financial services in the industry is unparalleled. They have over 130,000 ATMs.
All of Wells Fargo’s checking accounts have monthly fees, but they can be avoided. If you have at least ten or more debit card transactions or direct deposits of $500 or more per month, you can avoid the fee. You can avoid the fee if you maintain a minimum daily balance or link your account to a Chase mortgage.
You have access to all of the standard banking products, such as credit cards, loans, and investing. You can take advantage of special discounts and offers from partnering companies. If you prefer a physical location nearby, Wells Fargo has a lot to offer. It provides excellent customer service and a wide range of banking services to meet the needs of its customers.
7. Ally
Ally has become more popular in recent years. It has a variety of products and services that make banking easier and more convenient for its customers. Ally has a wide range of typical banking products, such as checking, savings, auto, and home loans. Ally has a variety of other financial services to help you reach your goals.
Ally has a high interest rate on its savings accounts. The online banking experience offered by Ally is easy to use and secure, so customers can feel confident when managing their finances. Their rates are more expensive than those provided by brick-and-mortar banks. The shift in how people save and invest their money has been caused by this. Many online banks are catching on. It has become simpler to manage your finances online.
Interest on Ally checking is still higher than it has been in the past. The convenience of Ally checking makes it an attractive option for those looking to get the most out of their money. There are no monthly fees or minimum balance requirements. You can withdraw cash at 43,000+ Allpoint ATMs because the bank is online only.
Learn More:
- Read our full Ally Bank Review
8. Barclays
The other banks on the list are global banks. One of the most recognizable names in banking isBarclays, which has a presence in more than 50 countries. In the UK and the US,Barclays is popular. A wide range of financial services, including retail banking, investment banking and wealth management, has been expanded by the company in recent years.
Some other banks don’t offer a lot of banking products, but what they do offer is solid. Those looking for a straightforward banking solution can rely on the quality and reliability of the banking experience fromBarclays. Their credit cards have some very lucrative sign-up bonuses, and their online savings have some of the best interest rates in the industry.
Learn More:
- Read our full Barclays Bank Review
9. Citibank
Not everyone will be able to take advantage of the many things Citi has to offer. Some of their checking accounts have sign-up bonuses, but all of them have monthly fees. If you maintain a minimum balance, the fees can be nixed. It is possible to avoid the fee, but only at the lowest monthly balance. It’s important to maintain a higher balance than the minimum requirement in order to not incur the fee.
Given that their checking account interest rates are under 0.05%, you may not want to keep so much cash in your checking account. If you want to maximize your savings, transfer some of your checking account funds into the Citi Accelerate Savings product.
The Citi Double Cash card is a nice product. The Citi Double Cash card can be used to earn cash back on all purchases. You can find CDs, IRAs, and lending and investment products here.
10. Bank of America
The branch footprint of Bank of America has shrunk due to mobile banking, but there are still over 4,000 of them nationwide. Bank of America provides convenient access to customers both online and in person. There is still likely to be a branch near you. You can always access your Chase accounts online or through the mobile app.
You can call Bank of America from 8 a.m. The customer service team at Bank of America is open seven days a week. to 9 p.m. 7 days a week. The business is open seven days a week and is open 24 hours a day. You can message them on social media at any time. If you need assistance, they have a customer service line.
Their checking and savings accounts have low interest rates. Customers can take advantage of other services offered by the bank. If you have at least a $10,000 balance, there are no monthly fees on their checking. If the balance falls below $10,000, the monthly fee is not charged.
11. TD Bank
Checking and savings accounts, investing options, loans, and credit cards are offered by the bank. To help customers make the most of their finances, it has a team of expert advisors.
It was ranked third in the J.D. The Power Initial Quality Study is a testament to the company’s commitment to providing an exceptional customer experience. The Power National Banking Satisfaction Survey was conducted. The Power National Banking Satisfaction Survey can be used to help customers get the best banking experience.
It is the goal of the bank to make banking convenient. To meet the needs of its customers, the bank offers a wide array of products and services. The bank has more than 1,100 branches and over 700 ATMs, which is pretty impressive, but its hours stand out the most. It’s convenient for customers to access their finances whenever they need to because the bank is open seven days a week.
Most national banks close their doors on the weekends, but the majority of their locations are open on Saturdays and Sundays. It’s convenient for weekend banking because you can make deposits, check your balance, and more at their ATMs. If you prefer to do your banking online, the experience is very good. You can do all of your banking at home.
Learn More:
12. US Bank
If you live in the West, Midwest, Florida, or North Carolina, you are in the U.S. You can enjoy the warm weather and outdoor activities in these areas. Bank is definitely worth looking into. It has over 2,000 branches. It is one of the largest banks in the country.
Its flexible lineup of account options is one of its biggest advantages. You can choose from 5 checking accounts, 5 savings accounts, 3 Credit cards and CDs with competitive rates. Savings accounts and investment options are some of the products customers can take advantage of.
You can expect other products from a large national bank, like loans, investment options, wealth management resources, and business banking. It has a variety of online banking services and helpful customer support to make it easier to manage your finances.
US Bank was one of the nation’s top banks. This ranking is a testament to US Bank’s commitment to providing exceptional customer service. Power’s 2022 U.S. You can count on a streamlined mobile experience, too, as a result of the Banking Mobile App Satisfaction Study. You can have confidence that the banking mobile app will meet your needs because it is designed with your satisfaction in mind.
13. Capital One
Capital One has 755 locations, but its mobile platform is unparalleled, ranking first in J.D. It is clear that Capital One puts a focus on its digital capabilities, offering customers convenient and secure access to their accounts with their mobile app. Power’s annual study.
There is more to Capital One than an app. Capital One has a wide range of banking services and products. It also makes the list for its competitive interest rates on its 360 Performance Savings account and 360 Checking account, both of which are fee-free.
The Capital One Cafés have a unique perk. The Capital One Café locations offer more than just a place to open an account, they also offer free financial advice, educational seminars, and networking events. In a coffee shop setting, there are over 40 locations that offer full-service banking. The concept of a more personal and relaxed banking experience has been very popular with customers.
Capital One gives you access to Capital One Ambassadors and 1:1 financial mentoring sessions if you have a Capital One card.
14. Huntington Bank
Huntington offers a variety of banking products so you can pick one that matches your needs.
They offer three different checking accounts:
- Asterisk-Free
- Huntington 5
- Huntington 25
Each of them has different bells and whistles. Most of these accounts are free to open, so you can find the one that works best for you. The 5 and 25 accounts have monthly fees that match their names. The 5 and 25 accounts have a variety of features and benefits that are tailored to each user’s individual needs.
Investments, borrowing, and insurance products are offered by Huntington. The products are tailored for each customer. They have banking, loans, treasury management, and insurance. The services they offer are tailored to the needs of different industries.
Methodology
To determine the best national banks, we evaluated several institutions and rated them based on the following factors:
- Third-party ratings : The ratings we factor in are from third-party sources. Customer feedback from forums, social media, and online reviews are taken into account when evaluating a brand’s reputation. Power’s The J.D. and banking mobile app satisfaction survey. According to the Power 2020 U.S. Retail Banking Mobile App Satisfaction Study, satisfaction with mobile banking apps has improved since the beginning of the year. Power U.S. To assess each bank’s reputation with customers. The results of the survey will be used to inform customers of the best banking options.
- Products : We take 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 The features of each product, such as interest rates and fees, are evaluated to determine which bank is the best fit for customers.
- Account features : We compare the features of the products to see how competitive they are.
- User experience : We look at each bank’s online experience, mobile app, customer service availability, and online tools and resources. We make sure that the banks are insured by the Federal Deposit Insurance Corporation.
- Branches and ATM locations : We look into each bank’s availability to see how many brick-and-mortar bank and ATM locations there are. We look at the bank’s online presence to make sure their mobile banking and other digital services are user friendly.
FAQs
Who Is The Best Nationwide Bank?
Chase is the best bank in the country for having a physical presence. Chase is well known for its extensive network of branches and ATMs, making it a convenient option for customers who need access to physical banking services.
Chase has over 16,000 ATMs. Chase has convenient banking options for customers in the United States and abroad. Chase has some of the best sign-up bonuses and travel perks in the banking industry. Chase has some of the most competitive interest rates and rewards programs on the market. They have nice sign-up bonuses for their checking accounts. A little extra money in your account can be achieved with these bonuses.
Chase does not have checking/savings accounts with high interest rates. The lack of checking/savings accounts with high-interest rates makes it difficult for customers to maximize their savings potential, even though Chase offers a variety of other financial products. You may want to look elsewhere if that is something you have to have.
Which Banks Are All Over The United States?
The largest US banks are Bank of America, Chase, and Wells Fargo. Their presence in almost every state has allowed them to establish a strong customer base, providing convenience and reliability to millions of people. presence of any of the best banks in terms of brick-and-mortar locations.
There are over 17,000 branches of these three banks. Customers can easily access their banking services wherever they are thanks to the extensive network of branches and ATMs. If you are looking for a bank with brick-and-mortar locations, any of these banks are likely to have them in your area. Many banks offer digital services that are easy to use and secure if you prefer online banking.
