Best 10 Banks in the United States You Should Know About in 2024

Choosing the right bank can make or break your financial journey. There are so many options, so how do you pick the one that will give you the most benefits? Whether you're looking for better interest rates, fewer fees, or just a bank with great customer service, the decision can be tough. But what if we could narrow it down for you?

Here’s the thing: the best banks offer a mix of convenience, rewards, and security. In this post, we’ll break down the top 10 banks in the United States. You’ll learn why each of them stands out, so you can make a smarter choice with your money. The right bank isn't just about stashing away cash — it's about growing it.

Let’s dive in.

1. Chase Bank

When it comes to nationwide presence, Chase is hard to beat. With over 4,700 branches and 16,000 ATMs, you’ll likely find one near you no matter where you are in the U.S. But that’s not the only thing that makes Chase stand out. They offer a wide variety of accounts, from checking and savings to investments, credit cards, and mortgages.

Why Chase?

• Chase Total Checking® has no monthly fee if you meet the direct deposit or minimum balance requirements.
• Fantastic mobile app that allows easy access to your accounts.
• Solid rewards programs, especially with their Chase Sapphire credit cards.

Ready to open an account with Chase? Check out their offers here.

2. Bank of America

Bank of America is a solid choice if you’re looking for a big bank that’s widely accessible and packed with features. Known for its online banking tools and relationship rewards, this bank is perfect for those who want to easily manage their finances on the go.

Why Bank of America?

• Preferred Rewards program for better interest rates and perks.
• Robust mobile app with strong budgeting tools.
• Over 4,000 branches and 16,000 ATMs nationwide.

Take advantage of Bank of America’s rewards programs by opening an account here.

3. Wells Fargo

Wells Fargo is one of the oldest and largest banks in the U.S. With an extensive network of branches and ATMs, they offer a full suite of financial services, including personal banking, credit cards, mortgages, and investment services.

Why Wells Fargo?

• Free checking account options with minimal requirements.
• Great variety of credit card offerings with competitive rewards.
• Strong financial planning tools for future investments.

Learn more about Wells Fargo’s offerings and start banking smarter here.

4. Citi

Citi, short for Citibank, is globally recognized and offers strong perks for frequent travelers. They’ve also got a reputation for excellent customer service. With a solid rewards program tied to their credit cards, Citi is an excellent choice if you value flexible rewards and global ATM access.

Why Citi?

• Global access with over 65,000 fee-free ATMs worldwide.
• Citi Priority Account Package for personalized banking services.
• Great travel rewards with their Citi Premier® Card.

Want to unlock Citi’s perks? Open your account here.

5. PNC Bank

PNC Bank may not be as big as some other banks on this list, but they are well-known for their customer-centric approach and innovative features. The standout feature is their Virtual Wallet®, which helps you manage your money efficiently.

Why PNC Bank?

• Virtual Wallet® allows you to see your spending, saving, and budgeting all in one place.
• Low fees with flexible checking account options.
• Generous ATM network with over 18,000 surcharge-free ATMs.

See how PNC’s Virtual Wallet can change the way you bank by opening an account here.

6. Capital One

Capital One is best known for its credit cards, but don’t overlook its banking products. They’ve done a great job of creating online-friendly banking options that don’t rely on traditional branches. If you like to do everything from your phone, Capital One might be the bank for you.

Why Capital One?

• 360 Checking® has no monthly fees or minimums.
• Amazing credit card options, like the Capital One Venture card for travel rewards.
• Competitive interest rates on savings accounts.

Want to explore Capital One’s no-fee banking options? Get started here.

7. U.S. Bank

U.S. Bank provides traditional banking services but excels in customer satisfaction, particularly with its online banking services. Whether you're opening a simple checking account or diving into investment products, they have a strong range of offerings.

Why U.S. Bank?

• Good customer service and high satisfaction ratings.
• Great credit card options, including the U.S. Bank Cash+® Visa Signature® Card.
• Easy-to-use mobile app for managing your accounts on the go.

Open an account with U.S. Bank and start benefiting from their services here.

8. Ally Bank

Ally is an online-only bank, but don’t let that scare you off. It offers some of the best savings interest rates you’ll find, and because they don’t have to pay for physical branches, their fees are low or non-existent. Ally is perfect for the tech-savvy, fee-conscious consumer.

Why Ally Bank?

• No monthly maintenance fees or minimum balance requirements.
• High-interest rates on savings accounts.
• Robust mobile app and customer service available 24/7.

Ready to go online-only with Ally? Open your account here.

9. TD Bank

TD Bank markets itself as “America’s Most Convenient Bank” because of its extended branch hours and excellent customer service. They’re also known for offering easy access to both personal and business banking.

Why TD Bank?

• Extended banking hours, with many branches open on weekends.
• Multiple no-fee account options.
• Great mobile banking experience for those who prefer managing finances digitally.

Find out how TD Bank can offer you more convenience. Get started here.

10. Truist Bank

A relatively new player formed by the merger of SunTrust and BB&T, Truist Bank brings the best of both worlds. They offer competitive services for both personal and business banking, with a focus on technology and customer satisfaction.

Why Truist Bank?

• Focused on personalized customer service.
• Range of business banking services for small and medium businesses.
• User-friendly online banking platform.

Learn more about Truist Bank’s offerings and open an account here.

How to Choose the Right Bank for You

Picking the right bank depends on your individual needs. Are you focused on saving as much as possible and avoiding fees? Then banks like Ally or Capital One might be your best bet. Do you travel a lot and need access to your cash wherever you go? Citi or Chase could be the way to go.

Here are some factors to consider:

• Fees: Does the bank charge monthly maintenance fees? ATM fees? Overdraft fees?
• Rewards: If you’re interested in credit cards, what kinds of rewards does the bank offer?
• Convenience: How many branches or ATMs are there near you? Do they have extended hours?
• Mobile Banking: Is the bank’s app easy to use? Does it offer features like mobile check deposit and bill pay?

Why It’s Important to Choose Wisely

Your bank is more than just a place to store your money. It can help you grow it, offer you rewards, and provide you with easy access when you need it. A good bank should make your life easier, not harder. So, take some time to think about what you need most, and make a choice that fits your lifestyle.

The right bank isn’t just a financial partner — it’s a crucial tool for achieving your goals. Whether you're saving for the future, traveling the world, or just trying to keep your everyday spending in check, picking the right bank can make all the difference.

Ready to make a choice? Scroll back up and find the perfect bank for you.

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With so many options out there, finding the best bank can seem overwhelming. But now that you’ve got a breakdown of the top 10 banks in the U.S., you’re ready to make a decision that’ll support your financial goals for years to come.