DavidCoggins

Best Banks in America

We identify the top ten options so you can make informed decisions about a vast range of products and services.

How to Select the Best American Bank

We go over the most critical factors to consider when selecting the best banks in America so you can pick the one that completes your requirements.

It's nearly impossible to avoid using a bank because keeping your cash under your bed isn't the safest option. However, with hundreds of online, traditional, and new brick-and-mortar banks in the United States, deciding which one to use can be difficult.

We examine the best banks in America, considering factors such as monthly fees, interest rates, and available banking tools. Learn how to select the best bank in the United States for your needs.

1. Bank of America

  • 4,500 branches in 37 states and more than 15,000 ATMs

  • Account fees with daily or monthly minimums should be avoided.

Bank of America branches has a nearly 250-year history and a clientele comprising 66 million people in the United States and 35 nations worldwide. It is a well-established financial organization with many appealing characteristics. It has one of the best ATMs in the country and offers a wide range of account services.

Checking accounts starts at $25 with no overdraft fees and chances to waive monthly costs if you sign up for its Recommended Rewards program. BoA also features a safe mobile app where you may manage your accounts, transfer money, and pay bills.

2. Chase

  • Nationally, there are almost 5,000 branches and over 15,000 ATMs.

  • Sign-up bonuses for checking and savings accounts are available.

There's a good possibility that there is no concern where you are in the country; there's a Chase bank or ATM nearby. Chase is one of the fastest-growing national banks, with over 4,500 locations and 16,000 ATMs.

Despite its extensive physical presence, Chase also provides some of the most convenient online banking options, such as Chase Quick Pay with Zelle and mobile check deposits via the Chase app. Chase provides good checking and savings accounts and significant sign-up bonuses, but its service costs might sneak up on you if you're not watchful.

3. Wells Fargo

  • Across the United States, there are 5,300 physical locations and 1,300 ATMs.

  • By using your debit card, you can avoid monthly fees.

Wells Fargo is the largest bank network in America, with approximately 5,500 physical locations in all but some states in the Midwest and Northeast. This behemoth provides nearly every financial service imaginable and some enticing incentives.

Wells Fargo, for example, waives the unstable monthly fee for consumers who make ten debit card purchases per month and maintain a minimum daily level of $1,500 or direct deposits of $500 or more per month.

4. TD Bank

  • Many of the locations are open seven days a week.

  • You can avoid monthly fees with a $100 minimum balance on the Convenience Checking account.

TD Bank branches is more dominant on the east coast; thus, consumers in the Midwest or Western areas should explore elsewhere. It has, however, done much to earn the esteem of individuals who reside near one of its 1,300 branches.

For example, TD's Convenience Checking account features a $100 minimum balance requirement to avoid monthly fees, free mobile deposits, and student incentives for those aged 17 to 23. Customers appreciate the 24/7 live customer care telephone line and the policy of keeping many branches open seven days a week.

5. Citibank

  • Use over 65,000 ATMs without paying any fees.

  • Excellent identity theft and security services

Citibank, founded in 1812 and now has over 100 million customers worldwide, is a megabank with all the amenities you'd expect: an extensive network of branches and ATMs, competitive interest and CD rates, and a comprehensive range of account options and financial services.

Citibank excels in assisting customers who have experienced identity theft or fraud. They will assign you a specialized Citi Identity Theft Solutions Specialist to help you with your case, monitor your credit report, and keep you updated on any changes until your issue is resolved.

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Topic revision: r2 - 07 Nov 2022, DavidCoggins
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