Best brick-and-mortar banks

Account Details

• Chase is the largest bank in the U.S. by deposit volume, providing physical branch access across 48 states along with a feature-rich mobile app.
• Operates over 5,000 physical locations across 48 states
• Requires $0 initial deposit to open standard checking and savings accounts
• Includes Overdraft Assist to avoid fees on overdraft balances of $50 or less
• Best For: Nationwide banking
• Branch Locations: 5,000 distribution points
• States With Branches: 48
• Terms and conditions apply. Confirm details directly with the bank before applying.

Account Details

• U.S. Bank provides digital banking tools paired with a large traditional branch network across multiple states.
• Provides a mobile app featuring check deposits, bill payment, and Zelle integration
• Maintains over 2,000 branch locations across 26 states
• Includes spending analytics and overdraft protection tools
• Best For: Best for digital tools
• Branch Locations: 2,100 distribution points
• States With Branches: 27
• Terms and conditions apply. Confirm details directly with the bank before applying.

Account Details

• Bank of America operates thousands of branches nationwide and stands out for its customizable overdraft protection system.
• Maintains over 3,600 domestic locations in 39 states
• Balance Connect allows linking up to five backup accounts for overdraft coverage
• Monthly maintenance fees can be waived by meeting deposit or balance thresholds
• Best For: Overdraft protection
• Branch Locations: 3,600 distribution points
• States With Branches: 39
• Terms and conditions apply. Confirm details directly with the bank before applying.

Account Details

• Wells Fargo combines an expansive physical branch network with a top-rated mobile banking app for convenient account management.
• Extensive network featuring over 4,000 branches and 11,000 ATMs
• Highly rated mobile application for online banking tasks
• Provides complimentary notary services at local branch locations
• Best For: Well-rated mobile app
• Branch Locations: 4,000 distribution points
• States With Branches: 36
• Terms and conditions apply. Confirm details directly with the bank before applying.

Account Details

• PNC Bank provides structured checking options via Virtual Wallet and competitive interest rates on high-yield savings products in select markets.
• Operates over 2,300 branches across 28 states
• Offers a high-yield savings account paying 3.85% APY in eligible locations
• Features Foundation Checking for applicants who do not qualify for standard accounts
• Best For: High rates on savings
• Branch Locations: 2,300 distribution points
• States With Branches: 28
• Terms and conditions apply. Confirm details directly with the bank before applying.

Account Details

• Citi delivers extensive nationwide ATM access and fee-free checking options, despite operating a smaller physical branch footprint.
• Provides access to more than 65,000 ATMs across the country
• Accelerate Savings offers promotional interest rates up to 3.75% APY
• Charges no overdraft or returned item fees on its checking accounts
• Best For: ATM access
• Branch Locations: 670 distribution points
• States With Branches: 13
• Terms and conditions apply. Confirm details directly with the bank before applying.

Account Details

• Serving the East Coast, TD Bank prioritizes accessibility with round-the-clock customer support and multiple contact channels.
• Features over 1,100 branches across 16 East Coast states
• Provides 24/7 live customer support through telephone and mobile app options
• Requires no minimum opening deposit for accounts
• Best For: Customer service
• Branch Locations: 1,100 distribution points
• States With Branches: 16
• Terms and conditions apply. Confirm details directly with the bank before applying.