Some banks are best for everyday checking, some for savings and interest, while others are popular for online banking, credit cards, or international users.
In this guide, we cover the Top 10 Banks in the USA based on:
Trust & reputation
Account features
Fees & accessibility
Online & mobile banking
Suitability for non-residents and newcomers
How We Ranked These Banks
The list is based on:
Total assets & customer base
Nationwide presence
Digital banking quality
Customer reviews
Availability of checking, savings & credit products
1. JPMorgan Chase Bank
Chase is the largest bank in the United States and one of the most trusted financial institutions globally.
Why Chase is Popular
Strong nationwide branch & ATM network
Excellent mobile app & online banking
Wide range of checking, savings & credit cards
Best For
Everyday banking
Credit cards & loans
People living or working in the US
Chase is often the first choice for newcomers due to its reliability and services.
2. Bank of America
Bank of America is one of the most widely used banks in the USA, serving millions of customers.
Key Features
Extensive ATM network
Strong digital banking tools
Easy integration with Zelle for transfers
Best For
Students and salaried employees
Basic checking & savings accounts
Long-term banking relationships
3. Wells Fargo
Wells Fargo is known for its traditional banking services and large branch presence.
Why Choose Wells Fargo
Easy account opening in many locations
Good customer support
Multiple account types
Best For
Branch-based banking
People who prefer in-person service
4. Citibank
Citibank is ideal for people who deal with international banking.
Highlights
Global presence in many countries
Multi-currency & international services
Strong for NRIs and global professionals
Best For
International users
NRIs & frequent travelers
Global banking needs
5. U.S. Bank
U.S. Bank is a well-balanced bank with solid digital and physical banking services.
Features
Competitive checking accounts
Strong security
Reliable customer service
Best For
Long-term customers
Personal & business banking
6. Capital One
Capital One is known for its modern, digital-first approach.
Why Capital One Stands Out
No or low fees
High-interest savings accounts
Excellent mobile app
Best For
Online banking users
Savings-focused customers
Credit card beginners
7. PNC Bank
PNC is popular for its smart money management tools.
Key Advantages
Virtual Wallet feature
Budgeting & spending insights
Competitive rates
Best For
Budget-conscious users
Tech-friendly customers
8. TD Bank
TD Bank is known as “America’s Most Convenient Bank”.
Why People Like TD Bank
Long branch hours
Easy customer support
Strong East Coast presence
Best For
Busy professionals
Branch access outside regular hours
9. Discover Bank
Discover is a 100% online bank with excellent savings products.
Benefits
No monthly maintenance fees
High-interest savings
Strong customer satisfaction
Best For
Online-only banking
Saving money efficiently
10. Ally Bank
Ally Bank is one of the most popular digital banks in the USA.
Why Ally is Popular
No physical branches
High APY on savings
No monthly fees
Best For
Digital nomads
People who don’t need branches
High-interest savings
Comparison Table (Quick View)
Bank
Best For
Chase
All-round banking
Bank of America
Students & salary
Wells Fargo
Branch banking
Citibank
International users
U.S. Bank
Long-term stability
Capital One
Online + credit cards
PNC
Budgeting tools
TD Bank
Extended hours
Discover
Online savings
Ally
High-interest savings
Which US Bank Is Best for You?
Students: Bank of America, Chase
Online Banking: Ally, Capital One, Discover
International Users: Citibank
Credit Cards: Chase, Capital One
Savings: Ally, Discover
Final Thoughts
There is no single “best” bank for everyone in the USA. The right choice depends on your location, income type, online needs, and future plans.
If you want:
Convenience → choose a big national bank
Low fees → choose online banks
International flexibility → choose global banks
Choosing the right bank can save you money, time, and stress.