Best brick-and-mortar banks

Largest traditional bank by deposits with the widest U.S. branch network among the listed options, low barriers to open accounts, and a strong mobile app, though savings yields are low.

Best For

Nationwide banking

Branch Locations

5,000+

States with Branches

48

Monthly Fee

$15 or $0

Minimum Opening Balance

$0

Bonus Offer

$400

• Most branches of any U.S. bank
• No minimum deposits on checking and savings
• Monthly fees can be waived with qualifying activity
• Overdraft Assist can avoid fees when overdrawn by $50 or less

Regional strength across 27 primarily Midwest and Western states with relationship rewards that can boost savings rates and waive fees, plus overdraft tools and free Greenlight cards for kids.

Best For

Midwest and Western states

Branch Locations

2,100+

States with Branches

27

Monthly Fee

Minimum Opening Balance

Bonus Offer

• Smart Rewards relationship benefits
• Minimums as low as $25
• Fees waivable on checking and savings
• Interest possible on Smartly checking

Second-largest commercial bank with a broad national footprint and distinctive Balance Connect feature that can pull from up to five linked accounts to cover overdrafts.

Best For

Overdraft protection

Branch Locations

3,600+

States with Branches

39

Monthly Fee

Multiple ways to waive the monthly fee

Minimum Opening Balance

$100

Bonus Offer

Up to $500

• Balance Connect links up to five backup accounts
• No transfer fees for Balance Connect coverage
• Monthly fees waivable with qualifying activity
• Broad branch presence including many in California

Long-established bank with a large branch and ATM network plus a highly rated full-featured mobile app, though account fees can be hard to avoid and past regulatory issues are noted.

Best For

Well-rated mobile app

Branch Locations

4,000+

States with Branches

36

Monthly Fee

$15 or $0

Minimum Opening Balance

$25

Bonus Offer

$325

• App rated 4.9/5 on the App Store and 4.8/5 on Google Play
• Large ATM network of 11,000
• Free notary service at local branches
• Multiple ways to avoid the Everyday Checking monthly fee

Offers Virtual Wallet checking tiers, a Foundation Checking option for those who may not qualify elsewhere, and a high-yield savings product in select markets, with availability limited to roughly two dozen states plus D.C.

Best For

High rates on savings

Branch Locations

2,300+

States with Branches

28

Monthly Fee

Minimum Opening Balance

Bonus Offer

• High-yield savings at 3.85% APY (as of 10/29/25) in certain markets
• Student, military, and business account options
• Foundation Checking for broader accessibility
• Sign-up bonus available with Virtual Wallet

Smaller branch footprint focused on metro areas but backed by a very large ATM network, competitive savings and CD rates in eligible markets, and checking options without overdraft or returned-item fees.

Best For

ATM access

Branch Locations

670+

States with Branches

13

Monthly Fee

Minimum Opening Balance

Bonus Offer

• 65,000+ ATMs across the U.S.
• No overdraft or returned item fees on checking
• Citi Accelerate Savings promotional and standard APYs available in some states
• No checking or savings minimums

East Coast-focused bank emphasizing round-the-clock support channels and solid CD rates, with standard deposit products and no minimum deposits, though top savings APY requires a very high balance.

Best For

Customer service

Branch Locations

1,100+

States with Branches

16

Monthly Fee

Minimum Opening Balance

Bonus Offer

• Only listed bank with 24/7 customer service
• Support via app callback, virtual assistant, and Facebook Messenger
• No minimum deposits
• Maximum savings APY requires at least $100,000 balance