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BANKS & CREDIT UNIONS

WalletHub makes it easy to find the best Banks online.

WalletHub helps you compare thousands of banking institutions, ranging from big
banks with national branch networks to local community banks and credit unions
near you.

Compare institutions to find the options that best fit your banking needs. You
can get help with how to choose among accounts in the Expert’s Answers section
below. While you’re here, rate a bank you’ve done business with in the past to
help others in their searches.
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Updating Banks


RENASANT BANK

4.6 out of 5 rating505 Reviews505 Reviews

Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee
County, Mississippi, bakery. Since then, they have grown to become one of the
Southeast’s strongest financial institutions with approximately $14.9 billion in
assets and more... show more
Products: Business Services‚ Car Loans‚  Checking ‚ Credit Cards‚ Home
Equity‚ Mortgages‚ Personal Loans‚ Prepaid Cards‚ Savings & CDs
Branches:  Mississippi, Georgia, Tennessee, Alabama show less
2024's Best Bank
Call 800-680-1601
Website
Profile


STERLING SAVINGS BANK

4.4 out of 5 rating12 Reviews12 Reviews

No matter what you are looking for in a bank, Sterling offers The Perfect Fit.
We provide complete financial services for traditional customers, medium-sized
companies and large commercial businesses. Regardless of your size, Sterling
promises you the individual attention you... show more
Products: Car Loans‚ Checking‚ Credit Cards‚ Mortgages‚ Personal Loans‚ Savings
& CDs
Branches:  Washington, Oregon, Idaho, California, Montana show less
2024's Best Bank
Website
Profile


ZIONS BANK

4.3 out of 5 rating2,287 Reviews2,287 Reviews

Zions First National Bank was founded in Salt Lake City in 1873 and continues
its legacy of strength and stability as one of the oldest financial institutions
in the Intermountain West. To bring value to individuals, small-to middle-market
businesses, nonprofits,... show more
Products: Business Services‚ Car Loans‚  Checking ‚  Credit Cards ‚  Home Equity
‚ Investments‚  Mortgages ‚ Personal Loans‚  Savings & CDs ‚ Student Loans
Branches:  Utah, Idaho show less
2024's Best Bank
Call 888-307-3411
Website
Profile


ONEWEST BANK

4.3 out of 5 rating440 Reviews440 Reviews


With more than 60 Southern California retail branches spanning from San Diego to
Ventura County, OneWest Bank, a division of CIT Bank, N.A. (Member FDIC, Equal
Housing Lender) offers local communities a full array of deposit and lending
solutions for... show more

Products: Business Services‚ Checking‚ Home Equity‚ Mortgages‚ Savings & CDs
Branches:  California show less
2024's Best Bank
Call 877-741-9378
Website
Profile


MIDFIRST BANK

4 out of 5 rating361 Reviews361 Reviews

MidFirst Bank occupies a rare position within the banking industry. They are one
of the largest privately owned banks in the United States and this combination
of size and private ownership provides their customers with a special brand of
banking.... show more
Products: Business Services‚ Car Loans‚  Checking ‚  Credit Cards ‚  Home Equity
‚ Investments‚ Mortgages‚ Personal Loans‚  Savings & CDs
Branches:  Oklahoma show less
2024's Best Bank
Call 888-643-3477
Website
Profile


BANK OF AMERICA

3.9 out of 5 rating39,883 Reviews39,883 Reviews

Bank of America is one of the largest banks in the country, and it offers a wide
range of financial products. Those products include credit cards, checking and
savings accounts, home loans, auto loans and investment products. Bank of
America... show more
Products: Business Services‚  Car Loans ‚  Checking ‚  Credit Cards ‚  Home
Equity ‚ Investments‚  Mortgages ‚ Prepaid Cards‚  Savings & CDs ‚ Student Loans
Branches:  California, Florida, Texas, New York, New Jersey, Massachusetts,
Michigan, Washington, Georgia, Illinois, North Carolina, Virginia, Maryland,
Arizona, Connecticut, Missouri, South Carolina, Pennsylvania, Oregon, Tennessee,
Nevada, Kansas, New Mexico, Rhode Island, Oklahoma, Arkansas, New Hampshire,
Maine, District Of Columbia, Idaho, Iowa, Indiana, Delaware, Colorado,
Minnesota, Utah show less
2024's Best Bank
Call 800-432-1000
Website
Profile


U.S. BANK

3.9 out of 5 rating22,420 Reviews22,420 Reviews

U.S. Bank's history dates back to 1863 when First National Bank of Cincinnati
opened for business, As regional banks proliferated across the country in the
years that followed, a number of other predecessors were born. After a series of
mergers... show more
Products: Business Services‚  Car Loans ‚  Checking ‚  Credit Cards ‚  Home
Equity ‚ Investments‚  Mortgages ‚ Personal Loans‚  Prepaid Cards ‚  Savings &
CDs ‚ Student Loans
Branches:  California, Ohio, Missouri, Oregon, Washington, Colorado, Illinois,
Minnesota, Kentucky, Wisconsin, Iowa, Nevada, Idaho, Arizona, Tennessee, Utah,
Nebraska, Arkansas, New Mexico, Kansas, Montana, North Dakota, Indiana, South
Dakota, Wyoming, Georgia, Texas show less
2024's Best Bank
Call 800-872-2657
Website
Profile


CITIZENS BANK

3.9 out of 5 rating4,814 Reviews4,814 Reviews

Citizens Financial Group, Inc. is one of the oldest and largest financial
services firms in the United States. Headquartered in Providence, Rhode Island,
where its roots date back to 1828. Their vision is to be a top-performing bank
distinguished by... show more
Products: Business Services‚  Checking ‚  Credit Cards ‚  Home Equity
‚ Investments‚  Mortgages ‚ Personal Loans‚  Savings & CDs
Branches:  Massachusetts, New York, Ohio, Illinois, Michigan, Rhode Island, New
Hampshire, Connecticut, Delaware, Vermont, Pennsylvania, Kentucky show less
2024's Best Bank
Call 800-922-9999
Website
Profile


UMB BANK

3.9 out of 5 rating819 Reviews819 Reviews


UMB Bank, a subsidiary of UMB Financial Corporation, provides comprehensive
personal banking solutions through 91 banking centers and three wealth
management centers across eight states. The foundation of their business is
building and maintaining full-service relationships based on their
long-standing... show more

Products: Business Services‚ Car Loans‚  Checking ‚  Credit Cards ‚ Home
Equity‚ Investments‚  Mortgages ‚ Personal Loans‚ Savings & CDs
Branches:  Missouri, Kansas, Illinois, Oklahoma, Nebraska show less
2024's Best Bank
Call 800-860-4862
Website
Profile


CHASE

3.8 out of 5 rating27,630 Reviews27,630 Reviews

Chase Bank serves nearly half of America's households with a broad range of
financial services, including personal banking, credit cards, mortgages, auto
financing, investment advice, small business loans and payment processing. Their
mission is to create and engaged a lifelong... show more
Products: Business Services‚  Car Loans ‚  Checking ‚  Credit Cards ‚ Home
Equity‚ Investments‚  Mortgages ‚ Personal Loans‚  Prepaid Cards ‚  Savings &
CDs ‚ Student Loans
Branches:  New York, California, Texas, Illinois, Arizona, Michigan, Ohio,
Florida, New Jersey, Washington, Indiana, Louisiana, Colorado, Oregon,
Wisconsin, Utah, Kentucky, Georgia, Connecticut, Nevada, Oklahoma, West
Virginia, Idaho, Pennsylvania, Massachusetts, District Of Columbia show less
2024's Best Bank
Website
Profile


COMMERCE BANK

3.8 out of 5 rating4,002 Reviews4,002 Reviews

Commerce Bank started just as communities were rebuilding after the Civil War.
Today, Commerce continues to be a friendly, strong bank that supports personal,
business and community growth. As they have for 150 years, customers appreciate
that all their banking... show more
Products: Business Services‚ Car Loans‚  Checking ‚  Credit Cards ‚ Home
Equity‚ Investments‚  Mortgages ‚ Personal Loans‚ Prepaid Cards‚  Savings & CDs
‚ Student Loans
Branches:  Missouri, Kansas, Illinois, Oklahoma, Nebraska, Colorado show less
2024's Best Bank
Call 855-659-1656
Website
Profile


HSBC

3.8 out of 5 rating1,901 Reviews1,901 Reviews

HSBC’s founders started out in 1865 with a clear and simple aim – to establish a
bank in Hong Kong and Shanghai for the support of local and foreign trade 'which
has become so much more extensive and varied than... show more
Products: Business Services‚  Checking ‚  Credit Cards ‚  Home Equity
‚ Investments‚  Mortgages ‚ Personal Loans‚  Savings & CDs ‚ Student Loans
Branches:  New York, California, New Jersey, Florida, Connecticut, Virginia,
Washington, Maryland, District Of Columbia, Pennsylvania, Illinois, Delaware,
Oregon show less
2024's Best Bank
Call 800-975-4722
Website
Profile


IBERIABANK

3.8 out of 5 rating491 Reviews491 Reviews

IBERIABANK started in 1887, in New Iberia, Louisiana. For over 130 years, they
have focused on growth and a commitment to the community. Today, they continue
that dedication by meeting the needs of their clients through comprehensive
financial services. Their... show more
Products: Business Services‚ Car Loans‚ Checking‚  Credit Cards ‚ Home
Equity‚ Investments‚ Mortgages‚ Personal Loans‚ Savings & CDs
Branches:  Louisiana, Florida, Alabama show less
2024's Best Bank
Call 800-682-3231
Website
Profile


CAPITAL ONE

3.7 out of 5 rating79,227 Reviews79,227 Reviews

Capital One is one of the biggest banks in the U.S. and a Fortune 500 company.
Capital One is well known for its credit cards, but the bank offers multiple
other financial products. Those include checking accounts, savings account
and... show more
Products: Business Services‚  Car Loans ‚  Checking ‚  Credit Cards
‚ Investments‚  Savings & CDs
Branches:  New York, Louisiana, Texas, Maryland, Virginia, New Jersey, District
Of Columbia, Delaware, Connecticut show less
2024's Best Bank
Call 888-755-2172
Website
Profile


WELLS FARGO

3.7 out of 5 rating12,129 Reviews12,129 Reviews

Wells Fargo is one of the largest banks in the U.S., serving one in three
American households. Here are some useful things to know about Wells Fargo:
 * 3.7/5 average rating among users
 * Offers bank accounts, credit cards,... show more

Products: Business Services‚  Car Loans ‚  Checking ‚  Credit Cards ‚ Home
Equity‚ Investments‚  Mortgages ‚ Personal Loans‚ Prepaid Cards‚  Savings & CDs
‚ Student Loans
Branches:  California, Texas, Florida, North Carolina, New Jersey, Pennsylvania,
Virginia, Georgia, Arizona, Colorado, Minnesota, Washington, South Carolina,
Alabama, Utah, Nevada, Oregon, New Mexico, Idaho, New York, Maryland, Iowa,
Connecticut, Wisconsin, South Dakota, Alaska, Nebraska, Montana, Indiana,
Wyoming, District Of Columbia, North Dakota, Michigan, Illinois, Delaware,
Tennessee, Mississippi, Kansas, Arkansas, Ohio, Massachusetts show less
2024's Best Bank
Website
Profile


FIRST NATIONAL BANK OF OMAHA

3.7 out of 5 rating7,024 Reviews7,024 Reviews


Banks are intertwined in people's lives, integral to their communities and have
the resources to create change. First National Bank of Omaha is a force for good
in the world. In every action it takes, from a teller greeting a... show more

Products: Business Services‚ Car Loans‚  Checking ‚  Credit Cards ‚ Home
Equity‚ Investments‚  Mortgages ‚ Personal Loans‚  Savings & CDs
Branches:  Nebraska, Colorado, Illinois, Kansas, Texas, Iowa show less
2024's Best Bank
Call 800-642-0014
Website
Profile


REGIONS BANK

3.7 out of 5 rating2,201 Reviews2,201 Reviews


Regions Bank is Headquartered in Birmingham, AL, and is a member of the S&P 500
Index. Regions is one of the nation?s largest full-service providers of consumer
and commercial banking, Wealth Management, mortgage, and insurance products and
services.

Regions... show more

Products: Business Services‚ Car Loans‚  Checking ‚  Credit Cards ‚ Home
Equity‚ Investments‚ Mortgages‚ Personal Loans‚ Prepaid Cards‚  Savings & CDs
‚ Student Loans
Branches:  Florida, Tennessee, Alabama, Mississippi, Georgia, Louisiana,
Arkansas, Texas, Missouri, Illinois, Indiana, South Carolina, Kentucky, Iowa,
North Carolina, Virginia show less
2024's Best Bank
Call 800-734-4667
Website
Profile


SIMMONS BANK

3.7 out of 5 rating1,099 Reviews1,099 Reviews


Simmons Bank was founded in 1903 in Pine Bluff, Arkansas, with the first day's
deposits of $3,338.22. Today, Simmons has approximately $21.9 billion in total
assets with more than 3,000 associates. But still, they take pride in being a
community... show more

Products: Business Services‚ Car Loans‚  Checking ‚  Credit Cards ‚ Home
Equity‚ Investments‚ Mortgages‚ Personal Loans‚ Savings & CDs
Branches:  Arkansas, Kansas, Missouri show less
2024's Best Bank
Call 866-246-2400
Website
Profile


NORTHPOINTE BANK

3.7 out of 5 rating365 Reviews365 Reviews

Northpointe Bank strives to bring value to their customers by offering
client-focused products and services. They do this by empowering their employees
to exceed customer expectations, deliver convenient innovative technology and
support their employees and the communities they serve. They... show more
Products: Business Services‚  Checking ‚ Home Equity‚ Investments‚ Mortgages‚ 
Savings & CDs
Branches:  Michigan show less
2024's Best Bank
Call 888-672-5626
Website
Profile


CIT BANK

3.7 out of 5 rating147 Reviews147 Reviews

CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of
experience and operates a principal bank subsidiary, CIT Bank, N.A. CIT's
consumer banking segment includes a national direct bank and regional branch
network. CIT has... show more
Products: Business Services‚ Car Loans‚  Checking ‚ Credit Cards‚  Mortgages
‚ Personal Loans‚ Prepaid Cards‚  Savings & CDs
2024's Best Bank
Call 855-462-2652
Website
Profile


FIRST REPUBLIC BANK

3.7 out of 5 rating109 Reviews109 Reviews

Founded in 1985, First Republic and its subsidiaries offer private banking,
private business banking and private wealth management, including investment,
trust and brokerage services. First Republic specializes in delivering
exceptional, relationship-based service and offers a complete line of products.
First... show more
Products: Business Services‚ Checking‚ Home
Equity‚ Investments‚ Mortgages‚ Personal Loans‚  Savings & CDs
Branches:  California, New York, Massachusetts, Connecticut, Oregon, New
Hampshire, Nevada show less
2024's Best Bank
Call 888-408-0288
Website
Profile
Page 1 of 9Next
View More Banks


HOW DO BANKS WORK?



The manner in which banks operate might seem like a rather basic topic, but
given how complex financial markets have become in recent years, it’s helpful to
revisit the fundamental simplicity of the industry.

Having money exactly when you need to it—and earning income on it when you
don’t—is a problem as old as money itself. Banks exist to solve that problem,
and have served as an intermediary between savers and borrowers since the
Italian Renaissance, the Crusades, or even earlier, depending on which
historians you consult.

More specifically, banks lend the funds deposited into savings accounts and
certificates of deposit (CDs) to other customers, who repay the money with
interest over time. Depositors entrust their money to banks for two reasons: 1)
banks offer safe-keeping, borne from FDIC insurance; and 2) banks pay interest
on deposits, allowing funds to grow over time. Banks, in turn, make money, by
charging a higher rate of interest on their loans than what they pay on
deposits. Banks can have other sources of revenue as well, including
investments, fees on various services, and commissions on the sale of financial
products such as mutual funds and insurance.

In addition to serving as a vector for borrowing and lending, banks play a
central role in a number of other financial mechanisms. For example, banks
process payments between buyers and sellers and they exchange foreign
currencies. Banks also carry out governmental monetary policy by increasing or
decreasing the amount of money they keep in reserve.


QUESTIONS & ANSWERS

Comparing banks can be tough. But you've got the knowledgeable WalletHub
community on your side. Other consumers have a wealth of knowledge to share, and
we encourage everyone to do so while respecting our content guidelines. Please
keep in mind that editorial and user-generated content on this page is not
reviewed or otherwise endorsed by any financial institution. In addition, it is
not the financial institution's responsibility to ensure all posts and questions
are answered.

Ask Your Question

Most Popular
 * Most Popular
 * Most Upvotes
   

Questions sort
0
Upvotes


CAN I OPEN A BUSINESS ACCOUNT ONLINE?

Reply
0
0
Alexandra Barring, Banking Moderator
@alexandra

Yes, most banks allow you to open a business account online. The process varies
depending on the institution, but it's faster and easier than going to a branch.
It typically involves completing and submitting an online application.

All digital banks will allow you to open a business account online. Some of the
brick-and-mortar banks that offer this possibility include Bank of America,
Chase, US Bank and Wells Fargo.

1
0
3
Upvotes


WHAT IS REQUIRED TO QUALIFY FOR A CHECKING ACCOUNT?

Reply
3
0
Alexandra Barring, Banking Moderator
@alexandra

You don't really need to qualify for a checking account. Pretty much anyone who
is at least 18 years old can open a checking account. Depending on the bank, you
will need one or two forms of government issued photo identification, your
social security number, and a utility bill.

0
0
0
Upvotes


IS BMO A GOOD BANK?

Reply
0
1
Ramses Delgado, Banking Moderator
@ramses_delgado1

Yes, BMO Bank is a good bank if you're looking for a large branch network and a
wide range of products. Multiple checking and savings accounts, catering to the
needs of different customers.

However, you might consider other options if you prioritize quality customer
service, checking accounts with lower fees or savings accounts with higher
interest rates.

Ultimately, the best bank depends on your individual needs and priorities. It's
helpful to compare options and consider factors like fees, interest rates,
branch access, and online...

show more
0
1
0
Upvotes


IS TD BANK A GOOD BANK?

Reply
0
0
Ramses Delgado, Banking Moderator
@ramses_delgado1

Yes, TD Bank is generally considered a good bank. It's best suited for East
Coast customers who can take advantage of TD Bank's branches. It offers various
checking and savings options, to meet the needs of different customers.

However, you might consider other options if you prioritize quality customer
service, checking accounts with lower fees or savings accounts with higher
interest rates

Ultimately, the best bank depends on your individual needs and priorities. It's
helpful to compare options and consider factors like fees, interest...

show more
0
0
0
Upvotes


IS CITIZENS BANK A GOOD BANK?

Reply
0
0
Alexandra Barring, Banking Moderator
@alexandra

Yes, Citizens Bank can be a good option if you're looking for a stable financial
institution, a wide range of products, a large network of branches and ATMs, and
online banking options.

However, keep in mind their limited geographic reach. Citizens Bank primarily
operates in the Northeast, Midwest, and Florida.

Overall, Citizens Bank is a good choice for basic banking needs, especially if
you live in their service area and want a convenient branch...

show more
0
0
View More QuestionsAsk Your Question



ASK THE EXPERTS


 1. Banks
    


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