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.
🏆 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.
🏆 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.
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 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.
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.
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.
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.
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.
What is the best bank in my state?
Are you looking for the best bank in your area? Check these:
- Best Banks in Alabama
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- Best Banks in Arkansas
- best banks in california
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- best banks in georgia
- Best Banks in Hawaii
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- Best Banks in Illinois
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- Best Banks in Kentucky
- Best Banks in Louisiana
- Best Banks in Maine
- Best Banks in Maryland
- The Best Banks in Massachusetts
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- Best Banks in Minnesota
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- Best Banks in Ohio
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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.
JPMorgan Chase and Wells Fargo operate the most bank branches in the U.S.What bank has branches in the most states? ›
Wells Fargo Bank
Out of all the national banks, Wells Fargo has both the most total locations and a presence in the most states.
In commercial banking, Bank of America operates—but does not necessarily maintain—retail branches in all 50 states of the United States, the District of Columbia and more than 40 other countries.Is PNC in all 50 states? ›
(stylized as PNC) is an American bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. Its banking subsidiary, PNC Bank, operates in 27 states and the District of Columbia, with 2,629 branches and 9,523 ATMs.What bank serves all 50 states? ›
At the moment, there are no banks that operate branch locations in all 50 states.Is TD bank in all 50 states? ›
TD Bank (United States)
|Trade name||TD Bank, N.A.|
|Rank||Bank name||Market capitalization (billions of US$)|
|2||Bank of America||$325.33|
Best states for banking in 2021
- Texas. ...
- 2. California. ...
- Illinois. ...
- Ohio. ...
- Florida. ...
- (tie) Kansas. ...
- (tie) New York. ...
As of the end of 2021, Bank of America operated 4,173 financial centers in 38 states and the District of Columbia.
North Dakota is the only state that has state-run banks, which it launched 102 years ago to offer farmers loans at more favorable rates than those charged by commercial banks.What is the only state owned bank in the United States? ›
The Bank of North Dakota (BND) is a state-owned, state-run financial institution based in Bismarck, North Dakota. It is the only government-owned general-service bank in the United States.What states have a Capital One bank? ›
See Our Locations
- Dallas, Texas. ...
- New York, New York. ...
- Chicago, Illinois. ...
- Boston, Massachusetts. ...
- Atlanta, Georgia. ...
- San Francisco, California.
If you've been with BBVA, you are converting to a PNC Bank customer in October. Oct. 4, 2021, at 1:24 p.m.What bank merged with PNC? ›
PNC is the product of a merger of two distinguished Pennsylvania banks in 1983: Pittsburgh National Corporation and Provident National Corporation based in Philadelphia.Does Chase have locations in all 50 states? ›
Chase Consumer Banking announced a major expansion effort in 2018 to increase its retail branch presence and by August 2021, Chase opened branches in all of the lower 48 states becoming the first national bank to have a retail presence in the contiguous United States.Is Huntington bank in all 50 states? ›
The principal markets for these services are Huntington's six-state banking franchise: Ohio, Michigan, Pennsylvania, Indiana, West Virginia, and Kentucky.What is the most stable U.S. Bank? ›
- Wells Fargo. Wells Fargo, founded nearly 100 years ago in 1929, is a multinational bank based in the U.S., with headquarters in San Francisco, CA, and Manhattan, NY. ...
- JPMorgan Chase. Member FDIC.
- U.S. Bank. ...
- PNC Bank. ...
- Citibank. ...
- Capital One. ...
- M&T Bank Corporation. ...
Best overall, best for tools: Capital One 360. Best for savings, 3.00% APY (annual percentage yield) as of 11/08/2022: Marcus by Goldman Sachs. Best for savings, 2.00% APY: Chime. Best for checking, no monthly fees: Ally Bank.Who is the No One bank? ›
Ans: HDFC is marked as India's No. 1 Bank in Forbes World's best bank report.
On the whole, Bank of America and Chase charge similar fees for their accounts. Bank of America has a higher monthly fee for its savings account. However, most its checking accounts have much lower monthly fees. This is due to Chase's many checking accounts increasing in rewards levels, making the fees more expensive.What is the #1 bank in the world? ›
No, Bank of America is not partly owned by China. It is an American bank.Which is the most powerful bank in the world? ›
(IDCBY) The largest bank in the world in terms of total assets under management (AUM) is the Industrial and Commercial Bank Of China Ltd. This institution provides credit cards and loans, financing for businesses, and money management services for companies and high net worth individuals.What is America's safest bank? ›
PNC Bank. PNC only has branches in 27 states but is considered one of the safest banks in the U.S. In addition to $300 billion in assets, PNC offers: Data encryption. Two-step verification (with the option to add additional security at sign-on)Where is the richest bank in America? ›
Consolidated assets: $3.48 trillion
New York-based JPMorgan Chase Bank tops the Federal Reserve's list of largest banks by consolidated assets owned at $3.48 trillion, of which $2.65 trillion represents assets owned domestically.
With 4,000 more ATM locations than Wells Fargo, reduced fees and a wider variety of welcome bonuses, Chase is a better option for most customers. Chase is also the clear winner for military personnel, offering waived fees on checking accounts and ATM withdrawals for active-duty service members and veterans.Can you bank out of state? ›
You can set up a bank account outside of your home state either online or in a bank branch near you. Research different banks online to find one that best suits your personal needs. Larger branches usually allow you to register online, but smaller banks and credit unions usually require you to come in person.What is the difference between a state bank and a federal bank? ›
A state bank is generally a financial institution that is chartered by a federated state, as opposed to one regulated at the federal or national level.Is chase a state or national bank? ›
JPMorgan Chase Bank, N.A., doing business as Chase Bank or often as Chase, is an American national bank headquartered in New York City, that constitutes the consumer and commercial banking subsidiary of the U.S. multinational banking and financial services holding company, JPMorgan Chase.
Nonmember banks are financial institutions that are not members of the Federal Reserve System. They can be community banks, credit unions, or industrial banks. National banks are required to join the Fed, while state banks can join if they meet certain requirements.Are there state-owned banks? ›
Public banks are owned and operated by governments, while credit unions are private entities collectively owned by their members. In the United States, federal law forbids credit unions from making commercial loans that exceed 12.25% of their total assets.What bank does the US government use? ›
The Federal Reserve, the central bank of the United States, provides the nation with a safe, flexible, and stable monetary and financial system.Is Chase and Capital One the same? ›
Both Chase and Capital One are two large banks that offer you widespread access to your money. They additionally offer extensive ATM accessibility and convenient mobile apps, but the prices at which their primary products are provided aren't entirely the same.Is Capital One with Wells Fargo? ›
Is Capital One owned by Wells Fargo? Wells Fargo does not own Capital One, but the two financial institutions have some corporate connections. In 1994, Signet Financial Corp. started the company now known as Capital One, and Signet is now part of Wells Fargo.Is Capital One part of Chase Bank? ›
Chevy Chase Bank, F.S.B.
|Chevy Chase Bank headquarters in 2008|
|Successor||Capital One (known as Capital One Bank)|
|Headquarters||Bethesda, Maryland , United States|
Chase vs PNC Bank.
PNC's plans dovetail with an accelerated national trend in the banking sector as financial institutions pull operations out of retail establishments at a faster pace than shedding traditional branches. Both are basically due to more customers preferring digital transactions to branch visits.Is PNC and BBVA the same bank? ›
PNC Financial Services Group Inc. completed its conversion of former BBVA USA branches into its PNC Bank over Columbus Day weekend, after formally acquiring the offices June 1.Is PNC Bank connected to Wells Fargo? ›
PNC Mortgage, LLC, a joint venture between Wells Fargo Home Mortgage and PNC, will offer homebuyers a wide range of home financing products and services leveraging Wells Fargo Home Mortgage, one of the nation's leading providers of residential mortgage financing.
BBVA is no more. The bank is now PNC Bank. More than 2.6 million BBVA consumer, business and corporate customers were switched over.What did PNC Bank change their name to? ›
Another series of acquisitions began in 1991, when PNC purchased First Federal Savings and Loan Association of Pittsburgh. In 1992, all of PNC's affiliated companies and banks took on the name PNC Bank; the following year PNC Financial Corp., became PNC Bank Corporation.Which bank have branch in all over the world? ›
Bank of America
Serving over 35 countries throughout the world, this bank is not restrained to America. The Bank of America offers its banking services to customers around the globe.
Industrial and Commercial Bank of China Ltd.
The ICBC bank was established in 1984 and is headquartered in Beijing, China. This bank provides services all over the world, with over 18,000 locations and 106 overseas branches. It is also the most lucrative and well-capitalized bank in the world.
The Department of Treasury leads the Administration's engagement in the multilateral development banks (MDBs), which include the World Bank, Inter-American Development Bank, Asian Development Bank, the African Development Bank, and the European Bank for Reconstruction and Development.Which bank is No 1 bank in world? ›
(IDCBY) The largest bank in the world in terms of total assets under management (AUM) is the Industrial and Commercial Bank Of China Ltd.What is the most stable bank in America? ›
- Wells Fargo.
- JPMorgan Chase.
- U.S. Bank.
- PNC Bank.
- Capital One.
- M&T Bank Corporation.
Chase, part of JPMorgan Chase & Co., is the largest bank by asset size in the U.S., including deposits from checking and savings and other accounts, plus loans, mortgages and more.Which bank is best all over the world? ›
|Current Rank||Previous Rank||BANK|
|1||1||Industrial & Commercial Bank of China Limited|
|2||2||China Construction Bank Corporation|
|3||3||Agricultural Bank of China Limited|