Banks with branches in all 50 US states | BankBonus.com (2023)

Spoiler alarm: If you look for banks with branches in all 50 states, you won't find any. However, some national banks are getting very close, and the advent of online banking means you can still find support almost anywhere.

In this post, we cover the banks with the biggest presence in the US and where you can find them. From popular household names (eg Chase, Wells Fargo) to alternative online-only joints (eg Chime, Ally), you should have no trouble finding one that works for you - no matter where you are.

Banks with locations in (almost) every state

Even if these banks are not everywhere, they are the biggest and most well-known.The National Bankeach has a significant presence across much of the United States.

Of course, all major banks now offer some amount of online banking. While the quality and ease of use varies from platform to platform, major national banks generally have highly functional online tools for on-the-go banking.

So, while not all 50 states have locations thatbiggest banksare a good place to start if you're looking for as many branches as possible.

Chase-Bank

🏆 Locations in most states (48)

Regarding the presence in each state,Chase-Bankclosest to retail locations in all lower 48 states.

The only states without a Chase Bank location are Alaska and Hawaii.

Wells Fargo

🏆 Most branches in the US (8,000+)

Wells Fargooperates the largest total number of stores, but has a smaller overall footprint than Chase. You can find a Wells Fargo store in 37 states, with the most stores in California, Texas and Florida.

You will not find a Wells Fargo location in Missouri, Oklahoma, Louisiana, Indiana, Michigan, Kentucky, Ohio, West Virginia, Rhode Island, Massachusetts, New Hampshire, Maine, Hawaii or Vermont.

Bank of America

🏆 Most ATMs nationwide (17,000+)

Bank of Americahas nearly 4,000 stores in 37 states. Its largest presence is in California, where it has more than 800 stores.

Bank of America is present in most areas of the United States, but it can be difficult to find a branch in certain parts of the Midwest and South.

PNC-Bank

PNCrecently acquired BBVA, totaling 2,500 offices in 26 states. PNC's largest presence remains in the mid-Atlantic, but the expansion also gives it a significant network of offices in Texas.

Despite its recent growth, the PNC is still absent from the Pacific Northwest and most of the Midwest.

american bank

american bankis one of the best-known banks in the West and Midwest, where it operates nearly 3,000 branches in 26 states.

Banking is completely absent from the East Coast (except Florida) and has yet to reach Texas or most of the Deep South.

Citibank

Citibankhas the smallest physical presence of the Big Four with nearly 700 stores in 13 states. Approximately 500 of these offices are located in California or New York.

Citibank's footprint is primarily consolidated in the mid-Atlantic and California, so you won't find many (if any) branches in other US regions.

Online banking available across the country

First, let's state the obvious:O banco on-lineno bank branch. Instead, they operate exclusively in the digital world, trading in the cost of bricks and mortar for lower fee plans and higher interest rates.

So if you need a bank with branches, counters and personal support, online banking might not be for you. But if you can do without all that, these digital banking options are some of the best out there.

Also, certain aspects of online banking are actually more widespread than major national banks. For example, Chase Bank has over 16,000 ATMs across the United States. That might seem like a lot until you compare it to the netpure online banking like Chime.

Next, let's take a look at some of our favorite online banks.

carillon

carillonis an online bank and member of the Allpoint ATM network. This means that Chime customers have access to more than just free calls.60.000ATMs in all 50 states.

So while you may not see any Chime branches, you actually have more access to cash when you need it.

allies

alliesis the largest online bank in the United States. Anyone anywhere in the United States is entitled to an account, which you can open without worrying about minimum amounts or fees. Like Chime, Ally has no branches or ATMs, but it does have a top-notch mobile app and offers cashbacks at ATMs every month.

Also, aside from the robust ATM networks, there's a lot to like about digital banks compared to the biggest banks in the US. Online banks tend to avoid pesky monthly fees, and their APYs are almost always significantly higher than the national average.

Other US Banking Options

If you still haven't found the financial institution that's right for your situation, here are some additional banking options worth considering.

Hybridbanken

Looking for a little bit of everything? A hybrid bank may be the best choice. These banks, like those in New Yorkcapital one, operate some retail branches, but also offer full online banking platforms.

In practical terms, hybrid banks are like online-only banks with branches available when you really need them. You won't see branches from coast to coast, but you should have more than enough if you live in the region where the bank operates.

HSBCis another example of a hybrid bank. The London-based bank operates its US headquarters from New York City and has nearly 200 branches nationwide.

In addition, HSBC is now part of the Allpoint ATM network, so you can enjoy the benefits of digital banking and still have physical space available.

Local and regional banks

ONELandesbankis one that serves a specific area of ​​the United States. This can range from a single state like California to an entire region like New England or the South. Typically, you must reside in one of the states where a regional bank operates to qualify for an account.

Unlike large banks, local, regional and municipal banks, along withcredit unions, tend to focus on the specific needs of the communities they serve. These banks are known for their most personal customer service, making you feel less like a number.

The downside, of course, is that once you leave the community where the bank operates, you no longer have access to the same financial services.

Regional does not necessarily mean small. For example, PNC Bank is regionally oriented with ATMs and branches in 19 states, but is one of the largest banks in the US. Similarly, TD Bank is in the top 10 by total assets but only operates on the East Coast.

Overall, a regional bank is not the best option for someone who is often on the move. While many regional banks offer ATM refunds and online banking, you're generally better off with a national bank if you prefer nationwide coverage.

However, like the big banks, most local and regional banks are FDIC insured, so your money will also be protected if you decide to do a smaller deal.

While regional banks have a lot to offer, you still have options if they don't provide exactly what you're looking for. If you are willing to ditch the branches altogether, it may be better to cut the cord and do the full suspension.digital bankinstead.

How to choose the right type of bank

When considering your various options, it's important to ask yourself what you really want in a banking partner. For example, think about why having branches in so many states is important to you - is it reassuring to know that a cashier is there to help you when you're on the go? Are you planning to move to another state and want a bank where you can stay?

While it may seem ideal to simply pick the bank with the most branches, there are more important factors to consider. And the good news is that there are several solutions. Rather than looking for the biggest or best national bank, try to think about what specifically makes a bank the best partner for you.

The reality is that, depending on the extent of your relationship with a bank, you might be surprised at how unnecessary a brick-and-mortar branch is. If your bank consists of a checking account, savings account, debit card, and credit card, there's a good chance you can do almost everything without visiting a branch. For more complex banking services, such as wealth management, having this personal support can become more important.

First, focus on choosing areputable bank🇧🇷 FDIC and Equal Housing Lender membership status is required. From there, it's all about you and your lifestyle. Always be on the lookout for hidden fees and disclaimers, and do your best to choose the banking partner that really helps you.

common questions

What is the best bank in my state?

Are you looking for the best bank in your area? Check these:

• Best Banks in Alabama
• Best Banks in Arizona
• Best Banks in Arkansas
• best banks in california
• best banks in colorado
• best banks in florida
• best banks in georgia
• Best Banks in Hawaii
• Banks in Idaho
• Best Banks in Illinois
• Best Banks in Indiana
• Best Banks in Kentucky
• Best Banks in Louisiana
• Best Banks in Maine
• Best Banks in Maryland
• The Best Banks in Massachusetts
• Best Banks in Michigan
• Best Banks in Minnesota
• The best banks in New York
• Best Banks in Ohio
• Best Banks in Oklahoma
• Best Banks in Oregon
• Best Bank in Pennsylvania
• Best Banks in South Carolina
• Best Banks in Tennessee
• best banks in texas
• Best Banks in Utah
• Best Banks in Virginia

See too: best banks in canada

Which bank is in all 50 states?

There are currently no banks with branches in all 50 states. And with most banks focusing on their digital presence (and closing some of their traditional branches), that's unlikely to change.

Which bank is in most states?

Chase has branches in 48 states, excluding Alaska and Hawaii.

Which banks have the most locations across the country?

The banks with the largest national presence are Chase, Bank of America, Wells Fargo, USA. Bank and Citibank. All of these banks offer branches in most US states from Florida to Illinois and Oklahoma to name a few.

Is Bank of America present in all 50 states?

Bank of America currently has retail locations in 37 US states, making it one of the most widely distributed national banks, but does not operate branches in several states, such as Mississippi and West Virginia.

Which bank option is best for you?

Good personal finances depend on good decisions. Ideally, these decisions come from accurately identifying the support you need to succeed. One of the biggest decisions you have to make is who to trust with your money. Therefore, it is important to understand what you can get from a particular bank.

While it may seem like a big decision, the truth is that the best banking partner depends on a few basic things: your goals, your lifestyle and your preferences. While traditional banking may be appealing to some, others may be more comfortable with an online-only option - it's all up to you.

However, there are some things to consider if you feel that national access is vital for you. From accessing an ATM to personal support for a bank's online platform, it's important to know what to expect before starting a banking relationship.

Because of this, I would argue that the best option for national coverage is online-only banking. Despite the lack of physical branches, digital banks consistently offer the widest ATM networks, and your banking experience is not hampered by your location.

If you live in Arkansas or Michigan or anywhere else, there is a bank that will do what you need. It's all about finding the perfect one.