Best Banks in the USA | Top in America

1. 🏦 JPMorgan Chase Bank

• Full Name: JPMorgan Chase & Co.

• Founded: 2000 (merger of JPMorgan & Co. and Chase Manhattan)

• Headquarters: New York City, USA

• CEO: Jamie Dimon (as of 2025)

• Type: Multinational Investment Bank and Financial Services Holding Company

• Total Assets: Over $3.9 trillion (as of 2024)

• Employees: Over 250,000 globally

• Branches: 4,700+ in the U.S.

• ATMs: 15,000+

• Stock Symbol: JPM (NYSE)

Importent Information

• Is it safe?
  Yes, it’s one of the Big Four U.S. banks and is FDIC insured.

• What services does it offer?

  • Personal & business banking

  • Credit cards (e.g., Chase Sapphire, Freedom)

  • Auto & home loans

  • Investment & retirement services

  • Online & mobile banking

• Mobile App Rating:
  Highly rated (4.7+ stars on both iOS and Android)

• Popular for:

  • Strong customer service

  • Extensive branch/ATM network

  • Reward-rich credit cards

• Banking Hours:
  Typically Mon–Fri, 9 AM–5 PM (hours vary by location)

• Website: www.chase.com

2. 🏦 Bank of America

• Full Name: Bank of America Corporation

• Founded: 1904 (as Bank of Italy, became BofA in 1930)

• Headquarters: Charlotte, North Carolina, USA

• CEO: Brian Moynihan (as of 2025)

• Type: Multinational Investment Bank and Financial Services Company

• Total Assets: Over $3.2 trillion (as of 2024)

• Employees: Around 210,000 globally

• Branches: ~3,800 across the U.S.

• ATMs: 15,000+

• Stock Symbol: BAC (NYSE)

Importent Information

• Is it safe?
  Yes, FDIC insured and one of the Big Four U.S. banks.

• What services does it offer?

  • Personal & business banking

  • Credit cards (like BofA Customized Cash Rewards)

  • Auto & home loans

  • Merrill (investment & wealth management)

  • Online & mobile banking

• Mobile App Rating:
  Highly rated (4.6+ stars on iOS and Android)

• Popular for:

  • Strong online banking experience

  • Wide ATM/branch access

  • Good rewards and cash back options

• Banking Hours:
  Usually Mon–Fri, 9 AM–5 PM (varies by location)

• Website: www.bankofamerica.com

3. 🏦 Wells Fargo Bank

• Full Name: Wells Fargo & Company

• Founded: 1852 (by Henry Wells & William Fargo)

• Headquarters: San Francisco, California, USA

• CEO: Charles W. Scharf (as of 2025)

• Type: Multinational Financial Services Company

• Total Assets: Over $1.9 trillion (as of 2024)

• Employees: About 225,000 globally

• Branches: ~4,300 in the U.S.

• ATMs: 11,000+

• Stock Symbol: WFC (NYSE)

Importent Information

• Is it safe?
  Yes, FDIC insured and one of the Big Four U.S. banks.

• What services does it offer?

  • Personal & business banking

  • Credit cards (e.g., Active Cash® Card)

  • Mortgage & auto loans

  • Wealth management & investing

  • Online & mobile banking

• Mobile App Rating:
  Good (around 4.5+ stars on iOS and Android)

• Popular for:

  • Long history and reputation

  • Wide access to branches and ATMs

  • Competitive home loan options

• Banking Hours:
  Typically Mon–Fri, 9 AM–5 PM (varies by branch)

• Website: www.wellsfargo.com

4. 🏦 Citibank (Citi)

• Full Name: Citibank, N.A. (National Association)

• Parent Company: Citigroup Inc.

• Founded: 1812 (as City Bank of New York)

• Headquarters: New York City, USA

• CEO: Jane Fraser (CEO of Citigroup as of 2025)

• Type: Multinational Investment Bank and Financial Services Corporation

• Total Assets: Over $2.3 trillion (as of 2024)

• Employees: Around 240,000 globally

• Branches: ~650 in the U.S. (more international presence)

• ATMs: 65,000+ (via partner networks)

• Stock Symbol: C (NYSE)

Importent Information

• Is it safe?
  Yes, FDIC insured and a globally recognized bank.

• What services does it offer?

  • Personal & business banking

  • Popular credit cards (like Citi® Double Cash, Citi Premier®)

  • Loans and mortgages

  • Wealth & investment services

  • Global banking & foreign currency services

  • Strong online & mobile banking

• Mobile App Rating:
  High (4.7+ stars on iOS and Android)

• Popular for:

  • International banking & travel-friendly features

  • Credit cards with good rewards & cash back

  • Foreign currency accounts

• Banking Hours:
  Usually Mon–Fri, 9 AM–5 PM (varies by location)

• Website: www.citi.com

5. 🏦 U.S. Bank

• Full Name: U.S. Bank National Association

• Parent Company: U.S. Bancorp

• Founded: 1863

• Headquarters: Minneapolis, Minnesota, USA

• CEO: Andrew Cecere (as of 2025)

• Type: Commercial Bank and Financial Services Company

• Total Assets: Over $675 billion (as of 2024)

• Employees: Around 70,000

• Branches: ~2,000 across 26+ states

• ATMs: 4,800+

• Stock Symbol: USB (NYSE)

Importent Information

• Is it safe?
  Yes, FDIC insured and the 5th largest commercial bank in the U.S.

• What services does it offer?

  • Personal & business banking

  • Popular credit cards (e.g., U.S. Bank Altitude® Go/Connect)

  • Auto, mortgage & personal loans

  • Wealth management & investment services

  • Online & mobile banking with smart tools

• Mobile App Rating:
  Excellent (4.8+ stars on iOS and Android)

• Popular for:

  • User-friendly mobile app

  • Strong customer service

  • Great regional banking experience

• Banking Hours:
  Typically Mon–Fri, 9 AM–5 PM (hours vary)

• Website: www.usbank.com

6. 🏦 PNC Bank

• Full Name: PNC Financial Services Group, Inc.

• Founded: 1852 (as Pittsburgh Trust and Savings Co.)

• Headquarters: Pittsburgh, Pennsylvania, USA

• CEO: William S. Demchak (as of 2025)

• Type: Commercial Bank and Financial Services Corporation

• Total Assets: Over $550 billion (as of 2024)

• Employees: Around 60,000

• Branches: ~2,400 across 28 states

• ATMs: 9,000+

• Stock Symbol: PNC (NYSE)

Importent Information

• Is it safe?
  Yes, FDIC insured and one of the top 10 largest U.S. banks by assets.

• What services does it offer?

  • Personal & business banking

  • Popular credit cards (e.g., PNC Cash Rewards® Visa®)

  • Auto, mortgage, and personal loans

  • Investment & wealth management

  • Virtual Wallet® (unique money management tool)

  • Strong online & mobile banking

• Mobile App Rating:
  Very good (around 4.6+ stars on iOS and Android)

• Popular for:

  • Virtual Wallet for budgeting and saving

  • Strong regional presence

  • Flexible checking and savings accounts

• Banking Hours:
  Usually Mon–Fri, 9 AM–5 PM (varies by branch)

• Website: www.pnc.com

7. 🏦 Capital One Bank

• Full Name: Capital One Financial Corporation

• Founded: 1994

• Headquarters: McLean, Virginia, USA

• CEO: Richard D. Fairbank (as of 2025)

• Type: Bank holding company specializing in credit cards, auto loans, banking, and savings products

• Total Assets: Over $500 billion (as of 2024)

• Employees: Around 50,000

• Branches: ~300+ in the U.S.

• ATMs: 40,000+ (through Allpoint network)

• Stock Symbol: COF (NYSE)

Importent Information

• Is it safe?
  Yes, FDIC insured and a well-established bank, particularly known for its credit cards.

• What services does it offer?

  • Personal banking & business accounts

  • Popular credit cards (e.g., Capital One Quicksilver, Venture Rewards)

  • Auto loans

  • Savings accounts, CDs, and money market accounts

  • Online & mobile banking

• Mobile App Rating:
  Excellent (around 4.8+ stars on iOS and Android)

• Popular for:

  • Rewards-rich credit cards

  • No annual fees on many cards

  • Strong mobile app for managing accounts

  • Great for travelers with travel rewards credit cards

• Banking Hours:
  Generally Mon–Fri, 9 AM–5 PM (varies by location)

• Website: www.capitalone.com

8. 🏦 Truist Bank

• Full Name: Truist Bank

• Parent Company: Truist Financial Corporation

• Founded: 2019 (through the merger of BB&T and SunTrust Banks)

• Headquarters: Charlotte, North Carolina, USA

• CEO: William H. Rogers Jr. (as of 2025)

• Type: Commercial Bank and Financial Services Company

• Total Assets: Approximately $523 billion (as of August 2023)

• Employees: Around 38,335 (as of 2024)

• Branches: 1,928 across 15 states and Washington, D.C.

• ATMs: 6,697 locations nationwide

• Stock Symbol: TFC (NYSE)

Importent Information

• Is it safe?

  • Yes, Truist Bank is FDIC insured and is the 6th largest U.S. commercial bank by branch count.

• What services does it offer?

  • Personal Banking: Checking and savings accounts, credit cards, home and auto loans, mortgages, and investment services.

  • Business Banking: Business accounts, commercial lending, merchant services, and specialized industry solutions.

  • Wealth Management: Financial planning, investment advisory, and trust services.

  • Insurance: A range of personal and business insurance products.

• Mobile App Rating:

  • Truist’s mobile app is highly rated, offering features like mobile check deposit, account management, and bill pay.

• Popular for:

  • Comprehensive Services: A wide array of banking, investment, and insurance products.

  • Regional Strength: Strong presence in the Southeast and Mid-Atlantic regions, with notable rankings in Florida, North Carolina, Virginia, Georgia, and Pennsylvania.

  • Community Engagement: Significant contributions to community development, including substantial investments in disaster recovery efforts.

• Banking Hours:

  • Typically Monday–Friday, 9 AM–5 PM, with variations by branch location.

• Website: www.truist.com

9. 🏦 TD Bank

• Full Name: TD Bank, N.A.

• Parent Company: Toronto-Dominion Bank (TD Bank Group)

• Founded: 1852 (as Portland Savings Bank; evolved through various mergers)

• Headquarters: Cherry Hill, New Jersey, USA

• CEO: Leo Salom (as of 2025)

• Type: National Bank and U.S. Subsidiary of TD Bank Group

• Total Assets: Approximately $430 billion (as of 2022)

• Employees: Around 26,714 (as of 2022)

• Branches: Over 1,900 locations across 15 U.S. states and Washington, D.C.

• ATMs: 6,697 locations nationwide

• Stock Symbol: TD (NYSE)

Importent Information

• Is it safe?
  Yes, TD Bank is FDIC insured and is the 7th largest U.S. bank by deposits. However, it’s important to note that the bank has faced significant legal and regulatory challenges in recent years. In 2024, TD Bank agreed to pay over $3 billion in penalties related to inadequate anti-money laundering controls, resulting in restrictions on its U.S. asset growth.

• What services does it offer?

  • Personal Banking: Checking and savings accounts, credit cards, home lending, and personal loans.

  • Business Banking: Business accounts, commercial lending, and merchant services.

  • Wealth Management: Financial planning and investment advisory services.

  • Digital Banking: Online and mobile banking platforms for convenient account management.

• Mobile App Rating:
  TD Bank’s mobile app is highly rated, offering features such as mobile check deposit, bill pay, and account alerts.

• Popular for:

  • Convenience: Extended banking hours, including weekends, and a vast network of branches and ATMs.

  • Digital Banking: User-friendly online and mobile platforms for seamless account management.

  • Customer Service: 24/7 customer support and personalized banking solutions.

• Banking Hours:
  Typically Monday–Friday, 9 AM–5 PM, with extended hours on weekends at select locations. It’s advisable to check specific branch hours online.

• Website: www.td.com/us/en/personal-banking

10. 🏦 Regions Bank

• Full Name: Regions Bank

• Parent Company: Regions Financial Corporation

• Founded: 1971

• Headquarters: Regions Center, Birmingham, Alabama, USA

• CEO: John M. Turner, Jr. (as of 2025)

• Type: Regional Bank and Financial Services Company

• Total Assets: Approximately $155 billion (as of 2023)

• Employees: Around 20,101 (as of 2023)

• Branches: Over 1,400 locations across 15 states

• ATMs: Approximately 2,000 nationwide

• Stock Symbol: RF (NYSE)

Importent Information

• Is it safe?

  • Yes, Regions Bank is FDIC insured and ranks among the largest banks in the United States by branch count.

• What services does it offer?

  • Personal Banking: Checking and savings accounts, credit cards, home lending, and personal loans.

  • Business Banking: Business accounts, commercial lending, and merchant services.

  • Wealth Management: Financial planning and investment advisory services.

  • Digital Banking: Online and mobile banking platforms for convenient account management.

• Mobile App Rating:

  • Regions Bank’s mobile app is highly rated, offering features such as mobile check deposit, bill pay, and account alerts.

• Popular for:

  • Regional Presence: Strong footprint in the South, Midwest, and Texas, with significant market shares in states like Alabama, Tennessee, and Mississippi.

  • Customer Service: Recognized for quality customer support and community involvement.

  • Digital Banking: User-friendly online and mobile platforms for seamless account management.

• Banking Hours:

  • Typically Monday–Friday, 9 AM–5 PM, with variations by branch location. It’s advisable to check specific branch hours online.

• Website: www.regions.com

11. 🏦 Ally Bank

• Full Name: Ally Bank

• Parent Company: Ally Financial Inc.

• Founded: 2009

• Headquarters: Sandy, Utah, USA

• CEO: Michael Rhodes (as of 2025)

• Type: Online Bank and Financial Services Company

• Total Assets: Approximately $186.1 billion (as of December 31, 2023)

• Employees: Around 11,100 (as of 2023)

• Branches: None (online-only bank)

• ATMs: Free access to over 75,000 ATMs nationwide

• Stock Symbol: ALLY (NYSE)

Importent Information

• Is it safe?

  • Yes, Ally Bank is FDIC insured, offering deposit accounts with protection up to the maximum allowed by law.

• What services does it offer?

  • Personal Banking: Checking and savings accounts, money market accounts, certificates of deposit, and credit cards.

  • Home Loans: Mortgage products for purchasing or refinancing homes.

  • Auto Financing: Loans and leases for vehicle purchases.

  • Investments: Self-directed trading and managed portfolios through Ally Invest.

• Mobile App Rating:

  • The Ally Mobile app is highly rated, offering features like mobile check deposit, bill pay, and account alerts.

• Popular for:

  • Competitive Rates: High-yield savings accounts and CDs with attractive interest rates.

  • No Monthly Fees: Many accounts come with no monthly maintenance fees.

  • Digital Banking: User-friendly online and mobile platforms for seamless account management.

  • Customer Service: Award-winning 24/7 customer support.

• Banking Hours:

  • As an online-only bank, Ally operates 24/7 through its website and mobile app, providing continuous access to accounts and customer support.

• Website: www.ally.com

12. 🏦 Discover Bank

• Full Name: Discover Bank

• Parent Company: Discover Financial Services

• Founded: 1911

• Headquarters: Greenwood, Delaware, USA

• CEO: Michael Rhodes (as of 2025)

• Type: Online Bank and Financial Services Company

• Total Assets: Approximately $151.5 billion (as of 2023)

• Employees: Data not specified

• Branches: 1 branch located in Delaware

• ATMs: Access to over 60,000 fee-free ATMs nationwide

• Stock Symbol: DFS (NYSE)

Importent Information

• Is it safe?

  • Yes, Discover Bank is FDIC insured, providing deposit accounts with protection up to the maximum allowed by law.

• What services does it offer?

  • Personal Banking: Checking and savings accounts, money market accounts, and certificates of deposit (CDs) with competitive annual percentage yields (APYs).

  • Cashback Debit Account: A checking account offering 1% cash back on up to $3,000 in debit card purchases each month, with no monthly service charge.

  • Credit Cards: A range of credit card options, including cash back and travel rewards cards.

  • Loans: Personal loans, home equity loans, and student loans.

• Mobile App Rating:

  • Discover Bank’s mobile app is highly rated, offering features such as mobile check deposit, bill pay, and account alerts.

• Popular for:

  • Competitive Rates: High-yield savings accounts and CDs with attractive interest rates.

  • Cashback Rewards: The Cashback Debit Account provides 1% cash back on up to $3,000 in debit card purchases each month.

  • No Monthly Fees: Many accounts come with no monthly maintenance fees and no minimum balance requirements.

  • Digital Banking: User-friendly online and mobile platforms for seamless account management.

• Banking Hours:

  • As an online-only bank, Discover operates 24/7 through its website and mobile app, providing continuous access to accounts and customer support.

• Website: www.discover.com

13. 🏦 Fifth Third Bank

• Full Name: Fifth Third Bank

• Parent Company: Fifth Third Bancorp

• Founded: 1858

• Headquarters: Cincinnati, Ohio, USA

• CEO: Timothy N. Spence (as of 2025)

• Type: Regional Bank and Financial Services Company

• Total Assets: Approximately $214.574 billion (as of 2023)

• Employees: Around 18,724 (as of December 2023)

• Branches: Over 1,100 locations across 11 states

• ATMs: Approximately 2,400 nationwide

• Stock Symbol: FITB (NASDAQ)

Importent Information

• Is it safe?

  • Yes, Fifth Third Bank is FDIC insured, providing deposit accounts with protection up to the maximum allowed by law.

• What services does it offer?

  • Personal Banking: Checking and savings accounts, credit cards, home lending, and personal loans.

  • Business Banking: Business accounts, commercial lending, and merchant services.

  • Wealth Management: Financial planning and investment advisory services.

  • Digital Banking: Online and mobile banking platforms for convenient account management.

• Mobile App Rating:

  • Fifth Third Bank’s mobile app is highly rated, offering features such as mobile check deposit, bill pay, and account alerts.

• Popular for:

  • Regional Presence: Strong footprint in the Midwest and Southeast, with significant market shares in Ohio, Florida, Michigan, Illinois, and Indiana.

  • Customer Service: Recognized for quality customer support and community involvement.

  • Digital Banking: User-friendly online and mobile platforms for seamless account management.

• Banking Hours:

  • Typically Monday–Friday, 9 AM–5 PM, with variations by branch location. It’s advisable to check specific branch hours online.

• Website: www.53.com

14. 🏦 Huntington National Bank

• Full Name: The Huntington National Bank

• Parent Company: Huntington Bancshares Incorporated

• Founded: 1866

• Headquarters: Columbus, Ohio, USA

• CEO: Stephen D. Steinour (as of 2025)

• Type: Regional Bank and Financial Services Company

• Total Assets: Approximately $204 billion (as of 2025)

• Employees: Around 19,932 (as of 2024)

• Branches: Approximately 1,000 locations across 11 states

• ATMs: Extensive network of ATMs nationwide

• Stock Symbol: HBAN (NASDAQ)

Important Information

• Is it safe?

  • Yes, Huntington National Bank is FDIC insured, providing deposit accounts with protection up to the maximum allowed by law.

• What services does it offer?

  • Personal Banking: Checking and savings accounts, credit cards, home lending, and personal loans.

  • Business Banking: Business accounts, commercial lending, and merchant services.

  • Wealth Management: Financial planning and investment advisory services.

  • Digital Banking: Online and mobile banking platforms for convenient account management.

• Mobile App Rating:

  • Huntington’s mobile app is highly rated, offering features such as mobile check deposit, bill pay, and account alerts.

• Popular for:

  • Regional Presence: Strong footprint in the Midwest, with significant market shares in Ohio, Michigan, Pennsylvania, and other states.

  • Customer Service: Recognized for quality customer support and community involvement.

  • Digital Banking: User-friendly online and mobile platforms for seamless account management.

• Banking Hours:

  • Typically Monday–Friday, 9 AM–5 PM, with variations by branch location. It’s advisable to check specific branch hours online.

• Website: www.huntington.com

15. 🏦 Charles Schwab Bank

• Full Name: Charles Schwab Bank​

• Parent Company: Charles Schwab Corporation​

• Founded: 2003​

• Headquarters: Westlake, Texas, USA​

• CEO: Peter Crawford (as of 2025)​

• Type: Online Bank and Financial Services Company​

• Total Assets: Approximately $16.5 billion (as of 2023)​

• Employees: Around 1,000 (as of 2023)​

• Branches: Limited branch presence; primarily operates online​

• ATMs: Access to over 24,000 fee-free ATMs nationwide​

• Stock Symbol: SCHW (NYSE)​

Important Information

• Is it safe?

  • Yes, Charles Schwab Bank is FDIC insured, providing deposit accounts with protection up to the maximum allowed by law. ​

• What services does it offer?

  • Personal Banking: Investor Checking™ account with unlimited ATM fee rebates worldwide and no monthly fees. ​

  • Lending Services: Home loans and a Pledged Asset Line of credit, allowing clients to leverage their investment portfolios. ​Schwab+1Schwab+1

• Mobile App Rating:

  • Charles Schwab’s mobile app is highly rated, offering features such as mobile check deposit, bill pay, and account alerts.

• Popular for:

  • Investor-Friendly Banking: Integration with brokerage accounts, making it convenient for investors to manage banking and investment needs.​

  • Competitive Features: No monthly fees, unlimited ATM fee rebates worldwide, and robust online banking tools. 

• Banking Hours:

  • As an online-focused bank, Charles Schwab Bank operates 24/7 through its website and mobile app, providing continuous access to accounts and customer support. ​

• Website: www.schwab.com