Compare Banks In USA
Money evaluated the accounts, fees, interest rates, and features of 30 of the largest national banks in the U.S. Here are our picks for the best banks of 2023-2024.
Bank of America – Best for mobile banking
Wells Fargo – Best rate (checking)
PNC – Best combo checking/savings account
Regions Bank – Best checking perks
Capital One – Best overall
U.S. Bank – Best for low fees
Citibank – Best for relationship rewards
Chase – Best customer satisfaction
First Horizon Bank – Best rate (savings)
*Rates and APYS are subject to change. All information provided here is accurate as of Nov. 7, 2023.
Which banks are the biggest, and just how big are these giants?
Checking Account offers 1% cash back on up to $3,000 in debit card purchases each month (see website for details)
Bank Of America Login Online by Clicking On Login Button.
No minimum opening deposit and no minimum balance
Early Pay: early paycheck access up to 2 days early
No. Fees. Period.
FDIC insured
Login
Bank of America ranked the highest in J.D. Power’s 2023 Mobile Banking App Satisfaction Survey. Visit Bank Of America Login Page To login, scoring 710 out of 1,000 points and making it our top pick for mobile banking. User reviews cite the easy navigation and ability to monitor all accounts as the best features.
In addition to mobile banking, you’ll have access to almost 4,000 branches and 15,000 ATMs nationwide. Bank of America’s checking and savings accounts have low opening balances and don’t charge any fees. Plus, you can earn over 4% on the bank’s certificates of deposit, depending on the term.
The Federal Reserve, the central bank of the United States, has an important ongoing responsibility to evaluate and monitor the most prominent banks within the country by asset size. This is done to promote financial stability and protect the interests of consumers and investors. We understand that staying informed about these major players in the banking industry can be incredibly valuable to individuals seeking to make informed decisions about their banking needs. As such, we have compiled a comprehensive list of these prominent institutions and their login URLs for you to take a look at. By clicking on the provided login URL for “Bank Of America Login,” you will have access to a wealth of information that can help you better understand how the banking industry works and which institutions may best fit your financial needs.
Savings Account with up to 4.60% APY* (read their website to see terms) Use your Wells Fargo username and password at the Wells Fargo Bank Login Page.
Cash Bonus up to $250 with direct deposit set up (Terms apply)
No monthly fees
Up to 2-day-early paycheck
Up to $2M of additional FDIC insurance through a network of participating banks
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Most checking accounts don’t pay interest, which means it stands out when you find one that does. Wells Fargo’s Prime Checking Account is our pick for the best interest rate on a checking account. You can earn between 0.10% and 0.5% APY, depending on the balance.
Other account benefits include out-of-network ATM fee reimbursements, waived service fees on linked accounts, free checks, and interest rate discounts on new loans. You’ll also have access to a network of 11,000 ATMs.
The Prime Checking account is one of Wells Fargo’s higher-tier checking options, with perks like waived non-Wells Fargo ATM fees, higher transaction limits, and interest on your account balance. While it is an interest bearing account, the maximum annual percentage yield of .10% still leaves something lacking with the Prime Checking account’s returns.
Best Overall: Capital One
Capital One Savings Accounts Logo
Capital One is our choice for the best overall national bank because it offers the highest interest rates compared to other banks we considered—all Banks Login here by clicking on the login button. You’ll earn 4.30% on the 360 Savings Account and 5% on a one-year certificate of deposit.
Besides high rates, there are other benefits to banking with Capital One. You won’t pay lots of fees or have to maintain a minimum balance. Plus, you’ll get access to an extensive ATM network when you open a 360 Checking account.
PROS
High APYs
Access to 70,000 ATMs nationwide
Very few fees
Highly rated customer service
CONS
Limited number of bank branches
Savings account doesn’t come with an ATM card
Best Combo Checking/Savings Account: PNC
PNC High Yield Savings Logo
PNC is our choice for the best checking/savings combo, thanks to its Virtual Wallet account, which combines a checking account with up to two separate savings accounts to meet all your banking needs.
You can access over 60,000 ATMs and 2,600 branches nationwide as a Virtual Wallet client. New customers can earn up to $400 in sign-up bonuses. You can log in to All Banks. Depending on the accounts you open. The checking account doesn’t earn interest, but the savings accounts do.
PROS
60,000-ATM network
Automated savings
Sign-up bonus
CONS
APY is low compared to other accounts
Branches only available in 16 states
Best for Low Fees: U.S. Bank
US Bank Savings Accounts Logo
U.S. Bank has the lowest on its checking and savings accounts among the banks that still charge monthly service fees. Plus, they’re easy to waive. Other bank fees, such as wire transfer fees, are lower than other banks we looked at.
U.S. Bank’s Smartly checking account pays interest, which is unusual for a national bank, making it an attractive option for anyone looking to add a little to their bank account. Their 11-month CD offers a very competitive 4.95% APY.
PROS
Low service fees
Low opening balances
High APY on 11-month CD
Checking pays interest
CONS
Limited number of branches
Best in Customer Satisfaction: JP Morgan Chase
Chase Savings Accounts Logo
Our pick for best customer satisfaction is Chase because it’s the top-rated bank in several regions, ranked by the J.D. Power 2023 U.S. Retail Banking Satisfaction Study, and the third-highest-rated mobile app in customer satisfaction.
Besides providing excellent customer service, Chase offers a full slate of deposit accounts, loans, and investment products. New customers opening a Chase Total Checking Account can earn a $200 sign-up bonus. You’ll also have access to a 15,000+ network of ATMs nationwide.
PROS
Sign-up bonus
Great customer service
Large ATM network
CONS
Low APYs on savings
Limited number of branches
Best for Mobile Banking: Bank of America
Bank of America Savings Accounts Logo
Bank of America ranked the highest in J.D. Power’s 2023 Mobile Banking App Satisfaction Survey. Visit Bank Of America Login Page To login, scoring 710 out of 1,000 points and making it our top pick for mobile banking. User reviews cite the easy navigation and ability to monitor all accounts as the best features.
In addition to mobile banking, you’ll have access to almost 4,000 branches and 15,000 ATMs nationwide. Bank of America’s checking and savings accounts have low opening balances and don’t charge any fees. Plus, you can earn over 4% on the bank’s certificates of deposit, depending on the term.
PROS
Top-rated mobile app
Low opening balances
Low fee
CONS
Low APY on savings account
How we chose the Best Banks of 2023-2024
To determine our list of Best Banks for 2023-2024, Money staff evaluated 273 of the largest retail banks, credit unions, regional and state banks, ranked by assets, and 20 of the most popular online banks. We then compared opening balance requirements, interest paid, fees, and features to determine our top picks. You can read our complete methodology here.
