10 Best Banks in US for 2024: A Comprehensive Guide

One of the big decisions an American individual can make and it has a big impact on their financial well-being is choosing one of the best banks in the US. It is crucial to find a bank that fits your needs and offers competitive rates and features, no matter you are looking for checking for a saving account, checking account or other banking services.

In this article, we will review some of the top banks in the US to help you pick the best bank for your needs. When choosing a bank, consider factors such as interest rates, fees, accessibility, and customer service. There are several types of banks to consider:

• National Banks: Among the largest banks in the US, institutions like Bank of America, Wells Fargo, and Chase have branches across the country.
• Online Banks: Banks that do most business online or by phone/app. They may have lower fees but limited in-person services.
• Credit Unions: Non-profit cooperatives owned by members that offer banking services. Often have lower fees than national banks.
• Regional Banks: Considered among the best regional banks in the US, medium-sized institutions like PNC and US Bank operate in specific areas, offering personalized services.

In the following sections, we’ll look at some of the best banks in different categories:

• Best Overall Banks
• Best Banks for Savings Accounts
• Best Banks for Checking Accounts
• Best Banks for Small Business

We’ll provide details on interest rates, fees, accessibility and customer service to help you pick the right fit. With this article, you can confidently choose a bank to meet your financial needs in 2024.

Key Takeaways:

• Think about your needs – Do you want high interest, rewards on purchases, local branches or no fees? Match your lifestyle to the right accounts.
• Compare rates and fees – Check minimum balances, monthly costs and interest earned at a few top options. Little things like $5 here or there add up over time.
• Consider your banking habits – Do you visit ATMs often, talk to tellers, or use mobile apps daily? Traditional or online banks may be a better fit.
• Research features and services – Make sure your top bank choices provide what’s important, like bill pay, Zelle transfers, budget tools or financial advisors if needed.
• Check accessibility options – Traditional banks have local branches but charge monthly fees. Online banks have no fees but no face-to-face service. Find the right balance.
• Customer service matters – Support should be available however you want it – by app, online, phone or in-person. Avoid banks with bad reputation for help.
• Trust is important – Only give your private information and money to banks that prove trustworthy over many years of protecting customers.

How We Selected the Best Banks

We looked at several important things to find the best banks this year. Here’s a breakdown of what really matters when choosing a bank.

• Customer Service: It’s important that a bank is helpful when you need them. We checked how easy it is to call, email, or chat with someone if you have a question. A bank that listens and helps makes handling your money much smoother.
• Account and Loan Options: Banks offer different checking, savings, loans, and credit cards. We made sure the banks provide what people commonly need to manage their finances. More choices mean a bank can serve more customers.
• Mobile and Online Banking: Today it’s key to handle banking on your phone or computer. We tested each bank’s website and app to be sure you can pay bills, transfer money, and check balances quickly wherever you are.
• Interest Rates: The rates you earn on savings or pay on loans really affect your money. We looked at rates for savings accounts and loans to find the best deals. Higher is generally better for your wallet.
• Fees: Fees can drain your account without you noticing. We checked monthly fees and charges for using ATMs or other services. Picking a bank with low or no fees saves you money.
• Financial Strength: It’s important to know a bank will be around for the long run. We considered things like history in business, size, and ratings from experts to choose banks that will keep your deposits safe.

#1 JPMorgan Chase & Co.: A Leader in Banking Services

JPMorgan Chase provides banking services to millions of people across America and around the world. They offer many types of accounts and loans to suit different needs.

With thousands of locations and online banking too, customers have easy access however they want to bank. JPMorgan Chase is considered one of the best banks for mortgage loans in the US, offering a variety of home loan options with competitive rates and flexible terms

Something for Everyone

JPMorgan Chase has checking and savings accounts, credit cards, mortgages, auto loans, and more. Whether you need personal or small business services, they can help. They also help people and groups invest their money through financial advisors.

Nearby Branches and ATMs

Thanks to its large network of branches and cash machines (ATMs), JPMorgan Chase makes banking convenient. No matter if you’re in a big city or small town, you’ll likely find one nearby. This allows customers to deposit money, withdraw cash, or do other transactions in person or on their own with an ATM.

Modern Banking with Apps and Online

In today’s digital world, JPMorgan Chase keeps up with technology. Their mobile app lets you check balances, pay bills, transfer funds, and deposit checks with your phone. You can also bank online from your computer. The bank continuously improves these tools to match customers’ changing needs.

Services for Individuals and Businesses

Whether you’re a person or company, JPMorgan Chase supports you. Personal services help everyday people. Business solutions aid small shops and large corporations. This helps the bank attract many different types of clients.

With top-tier customer service, JPMorgan Chase is recognized as one of the best banks in the US for customer service, ensuring clients receive prompt and effective support whenever needed

Global Scale

As an international company, JPMorgan Chase serves clients in over 100 countries worldwide. This gives them experience investing money and managing assets on a large scale. Their worldwide operations make them a leader in the finance industry.

With its all-around offerings, network of locations, and digital-first approach, JPMorgan Chase stands out as a reliable choice for banking in 2024.

#2 Bank of America: Innovating Digital Banking and Community Engagement

Bank of America uses new technology to help customers manage their money. Over 37 million people use the bank’s mobile app. The app lets you deposit checks, pay bills and track spending right from your phone. Recently, the app started offering “virtual debit cards.”

This lets customers make purchases online right away, without waiting for a plastic card in the mail. The app also has an assistant named Erica. Erica can answer questions, help make a budget, and show where your money is going each month.

Many Options to Choose From

Bank of America provides a wide range of financial products. They have checking and savings accounts for personal or business use. Customers can also get loans, credit cards, and investing help. This lets each person find the right services for their needs.

Bank of America is one of the best banks in the US for small businesses, providing tailored business checking accounts, loans, and merchant services to meet the diverse needs of entrepreneurs. Whether saving for a home or running a small business, the bank has options.

Focus on Great Customer Service

Bank of America wants customers to feel supported. They ask for feedback to make services better. The bank has won awards for its customer service. Employees work hard to quickly answer questions and solve problems.

Supporting Local Communities

Giving back is also important. The bank invests in programs helping local areas. One example is Breakthrough Lab. This program helps startup companies from underrepresented groups with mentoring and resources. Bank of America has also committed over $500 million to support women- and minority-owned businesses.

Through continued digital improvements, financial choices, excellent service, and community support, Bank of America leads the industry as a trusted banking partner. Bank of America also supports veterans, making it one of the best banks for veterans in the US by offering specialized financial products and services tailored to their unique needs

#3 Wells Fargo: Accessible Banking and Commitment to Improvement

Wells Fargo offers many convenient ways to bank. The company has over 8,000 branches across the country where customers can get face-to-face help from bankers. Customers can also use over 13,000 ATMs to withdraw or deposit cash without paying fees.

Wells Fargo provides phone support and online chat to answer questions. A mobile app allows people to check balances, transfer money, and deposit checks on smartphones. This helps ensure customers can get assistance whenever and however they need it.

Comprehensive Suite of Banking Products

In addition to customer service, Wells Fargo supplies a broad selection of financial products. People can open checking and savings accounts suited to their needs. The bank also offers credit cards, home and auto loans, and investment services. This allows individuals and businesses to take care of all their banking in one convenient place.

The mobile app continues improving with new features like sending money to friends and family using Zelle. App users can also set up alerts to notify them about account activity. Wells Fargo works to make banking simpler through innovative technology on smartphones. Both Apple and Google give the app high ratings showing it is user-friendly.

Rebuilding Trust After Scandals

In the past, Wells Fargo faced issues with opening accounts without permission. Now the company focuses on transparency and accountability. Strict new rules aim to prevent problems and ensure ethical practices. Wells Fargo understands rebuilding trust is important. It is committed to serving customers well into the future.

#4 Citibank: A Global Leader in Banking and Wealth Management

Citibank is one of the best banks for people who travel or do business around the world. It has offices in over 160 countries, more than any other U.S. bank. This extensive global network lets customers easily use their Citibank accounts almost anywhere on the planet.

Global Reach

With locations on every inhabited continent, Citibank makes it simple for clients to access services whether they’re across town or in a foreign country. The bank has branches and ATMs in cities large and small.

No matter where business or leisure takes you, there will likely be a Citibank nearby. This widespread physical presence is complemented by digital banking options that allow managing money on the go via mobile devices and online platforms.

Premium Wealth Management

Citibank offers top-tier financial solutions for customers with significant assets to oversee. The bank’s wealth management division employs teams of dedicated advisors. These professionals take the time to understand each client’s unique situation and long-term goals.

Advisors provide guidance on diversifying investment portfolios, tax planning, risk management, estate strategies, and more. Through personalized attention, Citibank ensures the complex needs of affluent clients are exceedingly well-met.

Services for Global Travelers

Citibank has international travelers in mind with special features like the Citibank Global Wallet. This innovative account permits holding balances in over 30 currencies with no conversion or transaction fees when paying for goods and services abroad. The bank also offers robust travel notifications and emergency card cancellation through its highly-rated mobile app.

Citibank stands out as one of the best banks for international travel in the US, thanks to its extensive global network, no foreign transaction fees on certain accounts, and services tailored for travelers. These tools give travelers extra reassurance that their accounts and cards remain safe even while miles from home.

Commitment to Experience

Customers consistently report high satisfaction with Citibank’s customer service. The user-friendly app allows checking balances, paying bills, depositing checks, transferring funds between accounts, and more with just a few taps.

Live phone and online chat support are available 24/7 in multiple languages. Whether contacting representatives directly or exploring self-service options, Citibank strives to make managing money as straightforward as possible.

#5 Ally Bank: A Simple and Convenient Online Banking Experience

Ally Bank has become one of the most popular online bank choices in the U.S. due to its emphasis on convenience, competitive rates, and lack of fees. By handling all services digitally, Ally appeals to those who enjoy the flexibility of mobile and online banking.

Banking from Anywhere with Ease

As the first bank to operate entirely online and mobile, Ally lets customers manage their finances using the device of their choice. Whether on a computer, tablet or smartphone, the Ally website and mobile app allow quick access to all essential banking tasks.

Users can check account balances, view transaction histories, transfer funds between accounts, deposit checks remotely by taking photos with their phone camera, and more. This high level of convenience is ideal for busy individuals who want the freedom to bank anywhere, anytime without visiting a physical branch location.

High Interest Rates to Help Savings Grow

One of Ally’s strongest selling points is its superlative interest rates on savings accounts. The annual percentage yield (APY) offered by Ally is often higher than rates at traditional brick-and-mortar banks. This means customer savings have a better chance to grow over time without fees getting in the way. Ally also has no minimum balance requirements, so account holders can start small without worry.

Ally Bank is recognized as one of the best banks for high-yield savings accounts in the US, boasting interest rates that often surpass those of traditional brick-and-mortar banks. The combination of high yields and no fees make Ally an excellent choice for those focused on watching their savings increase.

No Monthly Maintenance or Hidden Charges

In addition to competitive rates, Ally stands out for its lack of account fees. Customers enjoy absolutely no monthly maintenance or service charges on checking or savings accounts. This fee-free approach is appealing to individuals who want straightforward banking without unexpected deductions. Ally also refunds any ATM usage fees charged by other institutions nationwide.

The bank even issues debit cards without foreign transaction fees for added convenience when traveling abroad. Ally Bank stands out as one of the best banks with no fees in the US, offering both checking and savings accounts free from monthly maintenance and service charges.

Feature-Rich Experience for Tech-Savvy Users

Ally’s entirely digital focus has made it hugely popular among technologically-savvy consumers. In addition to core banking functions, Ally’s mobile app offers budgeting tools, person-to-person payment options like Popmoney, and the ability to open new accounts quickly online.

Younger customers especially appreciate Ally’s innovative features and clean, intuitive interface designed for phones and tablets. The bank’s modern approach to banking technology continues drawing in new digital-first users.

#6 U.S. Bank: Exceptional Service and Community Commitment

U.S. Bank has established itself as one of the premier regional banks in the United States. It strives to deliver an outstanding customer experience while meeting all of its customers’ financial needs through a full suite of personal and business banking solutions.

Highly Rated Customer Service Across Multiple Channels

Customer service is a top priority at U.S. Bank. The bank has received widespread recognition for the excellent assistance provided by its customer service representatives. Whether customers need help over the phone, online, or in person at a local branch, U.S. Bank makes it easy to get any questions answered quickly and satisfactorily by knowledgeable staff.

The U.S. Bank Mobile App also allows busy customers to manage their accounts and get support 24/7 from their smartphone or tablet. With customer service available through multiple convenient channels, U.S. Bank ensures all customers’ banking needs are addressed efficiently.

Comprehensive Personal and Business Banking Products

In addition to exemplary service, U.S. Bank offers a full suite of banking products tailored for both personal and commercial clients. Individuals have many account and loan options like checking, savings, credit cards, home mortgages, and auto loans to choose from depending on their unique financial situations and goals.

Meanwhile, businesses can rely on U.S. Bank to support their needs through commercial banking solutions, treasury management, merchant services, and more. No matter the customer type or requirements, U.S. Bank strives to have the right financial products available.

Extensive Regional Presence and Localized Customer Support

With thousands of branch locations and ATMs spread across many states, U.S. Bank maintains a substantial physical presence across much of the Midwest and Western United States. This extensive regional network ensures customers have convenient access to their accounts and personalized service from bankers who understand the specific dynamics and demands of their local communities.

Customers appreciate being able to conduct their banking face-to-face with representatives who are deeply familiar with the regions and neighborhoods they serve.

Active Community Involvement and Philanthropic Initiatives

Beyond providing exceptional banking, U.S. Bank actively works to improve the areas it operates in. The bank supports important causes through monetary donations and employee volunteerism focused on financial literacy and education, affordable housing, small business growth, and more.

U.S. Bank strives to give back and make a meaningful difference in the lives of local residents through its community development efforts across the many regions it calls home.

#7 Capital One: Innovative Banking for Millennials and Tech-Savvy Consumers

Capital One offers banking options that appeal to many college students and young adults in the US. Their accounts have affordable terms and a strong mobile experience.

No-Fee Checking and Savings

The 360 Checking account has no monthly maintenance fees or minimum balance requirements. This allows students flexibility to manage their money without worrying about extra costs. They also won’t get charged if their balance dips below a certain amount.

The companion 360 Performance Savings account provides good interest rates to help savings grow over time. Capital One is recognized as one of the best banks for student accounts, offering student-friendly products like the 360 Checking and 360 Performance Savings with no fees

Students can access their cash whenever needed. The rates stay competitive with other high-yield savings accounts.

Robust Mobile Banking App

Capital One’s mobile app gets praise for being intuitive and full of useful features. Through the easy-to-navigate interface, students can check balances, view transactions, transfer funds between accounts, pay bills and deposit checks simply by taking a photo.

An especially handy tool is CreditWise. The program monitors students’ credit reports and scores from TransUnion, Equifax and Experian. It provides customized recommendations and alerts about how to establish credit responsibly. This helps young adults understand the importance of credit history.

The app also allows locking and unlocking credit and debit cards instantly if they’re misplaced. An extra security feature gives peace of mind. Students receive notifications of all payment and transfer activity as well.

Appeals to Tech-Savvy Generation

Capital One realizes the current generation of students and young professionals expects banking services optimized for digital and mobile use. The company focuses on continuous improvements and additions to their industry-leading mobile app.

Features like the virtual assistant named Eno demonstrate this commitment to cutting-edge technology. Eno can answer questions through conversational chat. Integrations with other popular apps give added convenience too.

#8 Discover Bank: Exceptional Online Banking with No Fees

Discover Bank offers many benefits for customers looking for a high-yield savings account with no fees. Let’s take a closer look at what they have to offer:

No Monthly Fees or Maintenance Charges

With Discover Bank, you won’t have to pay any monthly maintenance fees for your checking or savings accounts. Unlike some other banks, there are no charges each month just for having an account. This allows your money to grow without extra fees getting deducted. Whether you have a little or a lot in savings, all of it can remain working for you.

High Interest Rates on Savings

The savings account at Discover Bank pays a very competitive interest rate. This means the money in your account will earn a good return as it sits there and grows over time.

Interest rates can fluctuate at all banks depending on economic conditions, but Discover typically offers rates that are higher than the average national interest rate for savings accounts. The growing balance from interest helps offset the effects of inflation so your money maintains its purchasing power.

Earn Cash Back on Everyday Purchases

In addition to banking services, Discover offers a cash back rewards program on their debit card. For every $100 you spend, you’ll earn $1 back that is deposited into your savings account.

This is an easy way to get a little extra money just for paying for regular monthly expenses like groceries, gas, and utilities. The rewards add up and provide a nice boost to your savings without much effort on your part. It’s like getting small discounts on all your purchases.

Outstanding Customer Service

Customers highly rate Discover Bank for the helpfulness and responsiveness of their customer service representatives. Service is available 24/7 by phone, online chat, email or in their branches for more complex issues.

Representatives are ready to assist with any questions about accounts, payments, transfers or other banking needs. If issues do come up, people feel confident they can be resolved quickly. Maintaining great customer service is important for building trust and loyalty with account holders.

Convenient Digital Banking Tools

Both the mobile app and online banking website are easy to navigate and packed with useful features. With a few taps or clicks, you can check balances, deposit checks remotely with your phone’s camera, pay bills, transfer funds and more.

Manage your money on your schedule whether you’re at home or on the go. The intuitive interfaces receive high ratings in app stores. The technology makes banking simple and accessible anytime, anywhere.

#9 TD Bank: Exceptional Customer Service and Convenience

TD Bank offers many advantages that make it a great choice when you need a personal loan. With a nationwide branch network and dedication to customer service, TD Bank helps take the stress out of the borrowing process.

Friendly Help Whenever You Need It

Customer service is a core value at TD Bank. Representatives are available around the clock by phone to answer questions about loans, payments, or anything else on your mind. Reach out online through live chat for quick responses.

For those who prefer face-to-face interactions, TD Bank has you covered. Over 1,200 stores dot the East Coast from Maine to Florida. Most branches operate extended hours on nights and weekends so you can stop by after work or on Saturdays. Friendly tellers take the time to fully explain products, rates, and your options.

Branches Near You

With so many locations, chances are high you live close to a TD Bank. The average customer lives within 5 miles of a branch or ATM. No need to travel far just to make a deposit, payment, or apply for a loan. Everything happens close to home or work.

If you do need to go elsewhere, TD Bank has you covered with over 2,600 ATMs as well. Make cash withdrawals, deposits, and transfers 24/7 without fees when you bank with TD Bank.

Products for All Your Financial Needs

The bank provides simple checking and savings accounts for everyday spending and savings goals. Earn competitive rates and avoid monthly fees by keeping minimum balances.

Get rewards with TD Bank credit cards that offer cash back on regular purchases. Use the cards to pay for emergencies until your next paycheck without paying interest.

Personal loans help pay down high-interest debt faster. Borrow amounts from $1,000 to $50,000 for any purpose. Mortgages make homeownership affordable, and investments grow long-term savings.

Giving Back to the Community

Beyond serving customers, TD Bank supports neighborhoods through donations, volunteering, and community programs. Financial literacy classes empower people of all ages with money management skills.

Small business development programs offer training, counseling, and loans to entrepreneurs. These efforts help strengthen local economies and improve lives. Giving back fosters goodwill and loyalty among those banking with TD Bank.

#10 Regions Bank: Low-Fee Banking and Community Commitment

Regions Bank offers affordable options and tailored products while focusing on customers and neighborhoods.

Low-Cost Banking Accounts

Regions provides checking and savings accounts designed to be easy on budgets. The Regions Now Checking account charges a low $5 monthly fee that can be waived. For example, if you sign up for eStatements instead of paper, the fee is removed.

The LifeGreen Savings account has no monthly charges either if linked to a checking account. These low-cost solutions help individuals and businesses watch expenses. Customers can set savings goals without worrying about hidden fees.

Wide Range of Banking Products and Services

In addition to checking and savings accounts, Regions offers many other financial services. They provide mortgages for home buyers with competitive rates and terms. Personal loans are available for things like home improvements or debt consolidation. Investment services let customers grow wealth for goals like retirement or a child’s education.

Small businesses get specialized checking accounts tailored to their needs, like one with higher transaction limits. Loans designed for small business uses help entrepreneurs start or expand operations. Tools to track income, expenses, and cash flow help small companies manage finances. Services are tailored so customers can find the right match for their situation.

Dedicated Support for Small Businesses

As a leader in small business banking, Regions is committed to helping local companies succeed. Representatives provide guidance tailored to each business’s unique situation. They offer loans at competitive interest rates to help small businesses get started or grow.

Loan terms are flexible so repayment plans fit cash flow. Representatives also share knowledge on budgeting, managing expenses, and planning for the future. This personalized support aims to empower small companies and strengthen local economies.

Active Community Involvement

Regions places strong emphasis on being a good community partner. Bank representatives volunteer time with nonprofit organizations that promote financial literacy and economic development. For example, they may teach classes on basic banking, budgeting, and credit.

Partnerships improve access to banking services, especially for low-income families. Through community programs, Regions works to strengthen neighborhoods and help residents achieve their goals. The bank wants to support the areas where it operates through local involvement and initiatives.

Comparing Savings and Checking Accounts from Top Banks

When selecting a bank, it’s important to understand the differences between savings and checking accounts to find the best fit. Here’s a detailed look at account options from several top-rated banks:

Ally Bank

• Savings Account: Ally is known for high-yield savings accounts that earn very competitive interest without monthly fees or balance minimums. Their interest rates often exceed those of traditional banks.
• Checking Account: Ally’s 360 Checking account also has no fees and provides access to over 43,000 ATMs nationwide. Helpful features include mobile check deposit and Zelle for easy money transfers between bank accounts.
• Accessibility: As an online bank, Ally offers 24/7 customer service via in-app chat, phone, and email. You can manage your accounts from anywhere at any time through their website and mobile app.
• Unique Features: Ally’s automatic savings tools allow you to effortlessly stash away extra funds without thinking about it. You can set specific amounts to transfer from checking to savings each month.

Discover Bank

• Savings Account: Discover’s high-yield savings lets you earn competitive rates while easily viewing and managing your account online without monthly fees.
• Checking Account: Their Cashback Debit account rewards your spending by returning 1% of purchases as cash back, up to $3,000 per month. You won’t pay monthly maintenance or ATM fees either.
• Accessibility: Discover has a strong digital presence with an intuitive mobile app for checking balances, transferring money, depositing checks, and more.
• Unique Features: The cash back rewards make Discover Checking highly valuable for everyday expenses like groceries, gas, and dining out. It’s like getting a 1% discount on up to $250 in purchases each month.

Capital One

• Savings Account: Capital One 360 Performance Savings provides high rates without fees or balance minimums to worry about. You can open an account with just $1.
• Checking Account: Their 360 Checking lets you access over 70,000 fee-free ATMs while also offering features such as mobile check deposit, online bill pay, and the ability to send money through Zelle.
• Accessibility: Capital One is known for having an excellent mobile banking experience. Their user-friendly app makes it very convenient to manage your accounts from your phone.
• Unique Features: Capital One integrates various digital tools to enhance the overall user experience. For example, you can pay bills, deposit checks, transfer funds, and track spending right within the mobile app.

Chase Bank

• Savings Account: Chase has a variety of savings options with generally lower interest rates compared to online banks. However, you benefit from their extensive branch network for making deposits, withdrawals, and asking questions in-person.
• Checking Account: The Chase Total Checking account charges a $12 monthly service fee that can be waived by meeting certain criteria like maintaining a $500+ minimum daily balance. It provides features such as Zelle payments and mobile banking.
• Accessibility: With over 4,700 branches and 15,000 ATMs nationwide, Chase has excellent physical accessibility for customers who prefer interacting face-to-face. You’ll never be far from a location.
• Unique Features: Chase rewards customers in various ways through their checking and credit card accounts. For example, you may earn cash back on purchases that can be redeemed as a statement credit.

Wells Fargo

• Savings Account: Wells Fargo offers multiple savings options with varying interest rates. However, some accounts may charge monthly service fees unless you meet balance or transaction requirements to waive them.
• Checking Account: The Everyday Checking account has a $10 monthly fee but allows customers under age 24 to avoid it. Maintaining a $500 minimum daily balance can also make the fee disappear.
• Accessibility: Known for extensive branch hours, Wells Fargo provides convenient in-person banking at over 5,000 stores across the U.S. They have many ATMs as well.
• Unique Features: Wells Fargo’s digital banking tools and services complement their traditional banking services. You can manage your accounts, deposit checks remotely, pay bills, and transfer funds seamlessly online and on their mobile app.

U.S. Bank

• Savings Account: U.S. Bank savings earn competitive rates with low monthly service fees. However, be sure to check specific account terms carefully as requirements vary depending on the type of savings account.
• Checking Account: The Easy Checking account charges $6.95 per month but U.S. Bank allows customers to waive it by meeting certain criteria like receiving monthly eStatements instead of paper.
• Accessibility: With over 3,000 branches across 25 states, mostly in the Midwest and West Coast regions, U.S. Bank provides extensive physical access for those who need in-person services regularly.
• Unique Features: U.S. Bank emphasizes customer support through various communication channels like telephone, email, online chat, and more. You’ll have many options to get help managing your finances.

TD Bank

• Savings Account: TD Bank offers multiple savings options including the TD Simple Savings account. However, interest rates on their savings products tend to be lower than online banks.
• Checking Account: The TD Convenience Checking account has a $15 monthly service charge but TD Bank waives it if you receive eStatements and make 10+ debit card transactions per month.
• Accessibility: Known for its very long branch hours, including some weekends, TD Bank makes it highly convenient to conduct business in-person. Many locations are open from 9am to 7pm on weekdays.
• Unique Features: Overdraft protection options from TD Bank can help avoid excessive fees from accidental overspending on checking accounts. You can link savings as a backup funding source.

Think about what matters most like interest, fees, technology, or local branches. Online banks offer high yields while traditional banks provide personalized help. Matching your needs to the right accounts in 2024 can help you save and spend smarter.

Banking Basics: Finding a Match for You

Let’s review the most important things. We talked about many banks and what makes each one special. Every bank has different strengths.

• Some have accounts with no fees or minimum balances needed. This can save you money each month.
• Others pay you more interest on savings. Over time, this adds up and helps your money grow.
• A few banks reward your spending with cash back. Like Discover, you get a percentage back on everyday purchases.
• Traditional banks like Chase have many locations if you want face-to-face help. Online banks let you bank from home on your phone or computer.
• Some focus on excellent customer service no matter how you contact them. Others have great mobile apps for easy banking anywhere.

Each person’s needs are unique. Think about what really matters to you.

• Do you need high interest or low fees?
• Prefer talking to a teller or using an app?
• Want rewards on purchases or a local branch nearby?

Take time to compare details like account costs, interest rates, and available services for each bank. Choose the one that fits your lifestyle and financial goals best in 2025. By selecting one of the best banks in US tailored exactly for you, your money will be in good hands!

FAQs About Best Banks in US

You might still have some questions about choosing the right bank. Here are answers to commonly asked things: