When it comes to choosing a bank, you have many options throughout the U.S. However, if you’re looking for a bank with robust offerings and a large presence, it can help to start with one of the country’s biggest banks.
Read on to learn more about the 20 biggest banks in America that offer personal accounts, based on Federal Reserve data as of Sept. 30, 2022.
1. JPMorgan Chase & Co.
Established in 1799, JPMorgan Chase & Co. is a global investment bank and financial services company that’s based in New York. It offers a wide range of banking products including deposit accounts, credit cards, home loans, auto loans and business banking. Read the complete review of JPMorgan Chase & Co.
- Assets: $3.3 trillion.
- ATMs: More than 16,000.
- Branches: More than 4,700 in all of the lower 48 states and Washington, D.C.
2. Bank of America
Founded in 1784 and headquartered in Charlotte, North Carolina, Bank of America is a national bank that serves both consumers and businesses. It offers services including banking, investing, asset management and more. Read the complete review of Bank of America.
- Assets: $2.4 trillion.
- ATMs: Approximately 16,000.
- Branches: More than 3,900 in 37 states and Washington, D.C., with the highest concentration in California.
3. Citibank
Citibank is a part of financial services corporation Citigroup, which was founded in 1812 and is headquartered in New York. The bank offers many products and services, including deposit accounts, credit cards, home loans, personal loans, business banking, financial planning and wealth management products. Read the complete review of Citibank.
- Assets: $1.7 trillion.
- ATMs: Approximately 2,300, plus access to over 60,000 surcharge-free ATMs through the MoneyPass network.
- Branches: More than 600 across 13 states and Washington, D.C.
4. Wells Fargo
Founded in 1852 and headquartered in San Francisco, Wells Fargo & Co. is a large national bank offering a wide variety of products and services, including bank accounts, credit cards, student loans, mortgages, business banking, individual retirement accounts and annuities. Read the complete review of Wells Fargo.
- Assets: $1.7 trillion.
- ATMs: More than 12,000.
- Branches: Approximately 4,700 in 38 states and Washington, D.C.
5. U.S. Bank
Originally founded in 1863 as the First National Bank of Cincinnati, U.S. Bank is now headquartered in Minneapolis. It offers deposit accounts, credit cards, mortgages, auto loans, business banking, financial planning and wealth management products and more. Read the complete review of U.S. Bank.
- Assets: $591.2 billion.
- ATMs: More than 4,000 plus thousands more in the MoneyPass network.
- Branches: More than 2,000 across 26 states.
6. PNC Bank
PNC Bank is a part of the PNC Financial Services Group, which is headquartered in Pittsburgh. PNC was created when Pittsburgh National Bank and Provident Bank merged in 1983. Several more banks were acquired, including Flagstar and BBVA. Read the complete review of PNC Bank.
- Assets: $553.4 billion.
- ATMs: 60,000 PNC Bank and PNC partner ATMs.
- Branches: 2,600 in 28 states and Washington, D.C.
7. Truist
Truist was established in 2019 through a merger of BB&T and SunTrust banks. It’s headquartered in Charlotte, North Carolina, and offers many products and services including deposit accounts, credit cards, mortgages, home equity loans and lines of credit, auto loans, personal loans and business banking options. Read the complete review of Truist.
- Assets: $534.2 billion.
- ATMs: Approximately 3,000.
- Branches: More than 2,100 in 17 states and Washington, D.C.
8. Goldman Sachs
Established in 1869, Goldman Sachs is a global investment banking, securities and investment management firm. It is headquartered in New York. The consumer banking arm is known as Marcus by Goldman Sachs and operates exclusively online. Read the complete review of Goldman Sachs.
- Assets: $513.9 billion.
- ATMs: None.
- Branches: None.
9. TD Bank
Founded more than 150 years ago, TD Bank is a subsidiary of Toronto-Dominion Bank. It’s based in Cherry Hill, New Jersey, and offers many banking products, including checking and savings accounts, credit cards, mortgages, auto loans, personal loans and more. Read the complete review of TD Bank.
- Assets: $394.3 billion.
- ATMs: More than 700.
- Branches: Approximately 1,100 along the East Coast.
10. Capital One
Founded in 1988 and headquartered in McLean, Virginia, Capital One is a subsidiary of financial holding company Capital One, N.A. Read the complete review of Capital One.
- Assets: $391.8 billion.
- ATMs: More than 70,000 Capital One, MoneyPass and Allpoint ATMs.
- Branches: Approximately 900 located primarily in New York, Louisiana, Texas, Maryland, Virginia, New Jersey and Washington, D.C.
11. Citizens Bank
Headquartered in Providence, Rhode Island, Citizens offers a wide variety of retail and commercial banking products and services. Customers have access to deposit accounts, prepaid cards, credit cards, mortgages, student loans, auto loans, personal loans, financial planning services and more. Read the complete review of Citizens Bank.
- Assets: $224.5 billion.
- ATMs: 3,300, plus over 37,000 ATMs in the MoneyPass network.
- Branches: Approximately 1,200 branches in 14 states in the New England, Mid-Atlantic and Midwest regions, plus Washington, D.C.
12. First Republic Bank
Founded in 1985 and headquartered in San Francisco, First Republic Bank offers private banking, business banking and wealth management. Read the complete review of First Republic Bank.
- Assets: $205.1 billion.
- ATMs: Any ATM accepting Visa cards is open to First Republic customers, but fees may apply.
- Branches: 86 located primarily in California, Oregon, Massachusetts, Florida, Connecticut, New York, Wyoming and Washington.
13. Fifth Third Bank
With a history that dates back to 1858, Fifth Third Bank offers a wide variety of banking products and services, including checking and savings accounts, certificates of deposit, student loan refinancing, credit cards, mortgages, business banking, insurance and more. Fifth Third Bank is headquartered in Cincinnati. Read the complete review of Fifth Third Bank.
- Assets: $204.3 billion.
- ATMs: 2,400 Fifth Third Bank ATMs, plus access to about 50,000 fee-free ATMs through the Allpoint, Presto and 7-Eleven networks
- Branches: Approximately 1,100 located in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee and West Virginia.
14. M&T Bank
Founded in 1856 and based in Buffalo, New York, M&T Bank is a full-service personal, business and commercial bank. It offers numerous checking, saving, lending and investment products. Read the complete review of M&T Bank.
- Assets: $197.7 billion.
- ATMs: Approximately 1,800.
- Branches: Approximately 700 located in Connecticut, Delaware, Maryland, Massachusetts, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia and Washington, D.C.
15. KeyBank
Established more than 190 years ago, KeyBank is based in Cleveland. It offers deposit, lending, cash management and investment services to individuals and businesses in 15 states. Read the complete review of KeyBank.
- Assets: $187.7 billion.
- ATMs: More than 40,000 KeyBank and Allpoint ATMs nationwide.
- Branches: Approximately 1,000 branches in 15 states.
16. Huntington National Bank
Founded in 1866, Huntington National Bank is a subsidiary of Huntington Bancshares Inc., a bank holding company headquartered in Columbus, Ohio. Huntington National Bank offers many types of deposit accounts, as well as credit cards, mortgages, auto loans, personal loans, wealth management, investing, insurance and more. Read the complete review of Huntington National Bank.
- Assets: $179.4 billion.
- ATMs: Approximately 1,450.
- Branches: More than 1,100 across 11 states.
17. Ally Bank
Headquartered in Detroit, Ally Bank is an online-only bank. It offers many deposit accounts, including checking, savings, money market and certificate of deposit, as well as credit cards, mortgages, auto loans and investment products. Read the complete review of Ally Bank.
- Assets: $178.7 billion.
- ATMs: Approximately 43,000 via the Allpoint network.
- Branches: None.
18. HSBC
Headquartered in Tysons, Virginia, HSBC Bank offers a wide variety of banking products and services for high-net-worth and international customers. They can choose from deposit accounts, credit cards, mortgages, insurance and more. Read the complete review of HSBC.
- Assets: $166.8 billion.
- ATMs: Approximately 43,000 via the Allpoint network.
- Branches: 40 located in California, Florida, New Jersey, New York, Virginia Washington, D.C., and Washington state.
19. BMO Harris Bank
Founded in 1882, BMO Harris Bank is headquartered in Chicago. Its parent company is the Bank of Montreal. Read the complete review of BMO Harris Bank.
- Assets: $164.8 billion.
- ATMs: More than 40,000 via the Allpoint network.
- Branches: Approximately 500 located in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Arizona and Florida.
20. Regions Bank
Headquartered in Birmingham, Alabama, Regions Bank was established through the merger of three small community banks. It provides consumer and commercial banking, wealth management, and mortgage products and services. Read the complete review of Regions Bank.
- Assets: $156.8 billion.
- ATMs: Approximately 2,000.
- Branches: Approximately 1,300 across the South and Midwest.
More News
Barclaycard Frontier Airlines World Mastercard Review
Bank of America Premium Rewards Credit Card
Everything You Need to Know About VA Land Loans