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 deposit accounts, based on Federal Reserve data as of March 31, 2026. This list excludes investment and business-only banks.
1. JPMorgan Chase & Co.
Established in 1799, JPMorgan Chase & Co. is a global investment bank and financial services company based in New York City. It offers a wide range of banking products, including deposit accounts, credit cards, home loans, auto loans and business banking. In 2023, it acquired First Republic Bank. Read the complete review of JPMorgan Chase Bank.
— Assets: $4.02 trillion
— ATMs: More than 15,000
— Branches: More than 5,000 in 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 and asset management. Read the complete review of Bank of America.
— Assets: $2.67 trillion
— ATMs: Approximately 15,000
— Branches: More than 3,600 in 38 states and Washington, D.C., with the highest concentration in California
[Read: Best Checking Accounts.]
3. Citibank
Citibank is a part of financial services corporation Citigroup, which was founded in 1812 and is headquartered in New York City. 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: $1.93 trillion
— ATMs: More than 2,300, plus access to over 60,000 surcharge-free ATMs through the MoneyPass network
— Branches: More than 600 across 10 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, mortgages, business banking, individual retirement accounts and annuities. Read the complete review of Wells Fargo.
— Assets: $1.85 trillion
— ATMs: More than 11,000
— Branches: More than 4,100 in 39 states and Washington, D.C.
5. Goldman Sachs
Established in 1869, Goldman Sachs is a global investment banking, securities and investment management firm. It is headquartered in New York City. The consumer banking arm is known as Marcus by Goldman Sachs and operates exclusively online. Read the complete review of Marcus by Goldman Sachs.
— Assets: $751.7 billion
— ATMs: None
— Branches: None
6. 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. Read the complete review of U.S. Ban
k.
— Assets: $683.3 billion
— ATMs: Over 40,000 U.S. Bank and partner network ATMs
— Branches: More than 2,100 across 28 states
7. Capital One
Founded in 1988 and headquartered in McLean, Virginia, Capital One is a subsidiary of financial holding company Capital One, N.A. In 2025, Capital One merged with Discover. Read the complete review of Capital One.
— Assets: $672 billion
— ATMs: Over 70,000 fee-free Capital One, MoneyPass and Allpoint ATMs
— Branches: More than 200 in 18 states and Washington, D.C.
[Read: Best Savings Accounts.]
8. 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. In September 2025, PNC acquired Colorado-based FirstBank. The merger is expected to close in early 2026. Read the complete review of PNC Bank.
— Assets: $567.9 billion
— ATMs: Approximately 60,000 fee-free PNC Bank and partner ATMs
— Branches: Approximately 2,300 in 27 states and Washington, D.C.
9. 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: $541.1 billion
— ATMs: More than 2,800
— Branches: Over 1,900 in 17 states and Washington, D.C.
10. 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 and personal loans. Read the complete review of TD Bank.
— Assets: $345.6 billion
— ATMs: Over 2,600
— Branches: Approximately 1,100 in 15 states and Washington, D.C.
11. 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, credit cards, mortgages, business banking and insurance. Fifth Third Bank is headquartered in Cincinnati. In October 2025, Fifth Third acquired Comerica Bank and that merger is now complete. Read the complete review of Fifth Third Bank.
— Assets: 296.1 billion
— ATMs: More than 2,400
— Branches: More than 1,000 across 12 states
12. 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 and insurance. In October 2025, Huntington acquired Cadence Bank and the merger is now complete. Read the complete review of Huntington National Bank.
— Assets: $284.1 billion
— ATMs: Over 1,600
— Branches: More than 1,000 across 21 states
13. BMO Bank
Founded in 1882, BMO is headquartered in Chicago. Its parent company is the Bank of Montreal. The bank used to be known as BMO Harris, but rebranded in 2022 as part of its acquisition of Bank of the West. Read the complete review of BMO Bank.
— Assets: $251.9 billion
— ATMs: More than 1,400, as well as access to 40,000 in the Allpoint network
— Branches: Approximately 1,000 in 23 states
14. Morgan Stanley Private Bank
Morgan Stanley Private Bank offers savings and checking accounts that were previously available from E-Trade Bank, which Morgan Stanley acquired in October 2020. The bank offers a savings account that earns a high APY, as well as free and interest-bearing checking accounts. Read the complete review of Morgan Stanley Bank.
— Assets: $241.3 billion
— ATMs: You can access cash at more than 2 million ATMs worldwide that display the Mastercard, Maestro or STAR network logos.
— Branches: None
15. First Citizens Bank
Based in Raleigh, North Carolina, First Citizens is the largest family-controlled bank in the United States. It was founded in 1898. It offers a wide variety of consumer banking products, in addition to wealth management, commercial banking and business service products. In 2023, it acquired Silicon Valley Bank. Read the complete review of First Citizens Bank.
— Assets: $235.5 billion
— ATMs: Nearly 700
— Branches: More than 500 in 23 states
[See: 10 Best High-Yield Savings Accounts of July 2026: Up to 4.10%]
16. 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 and financial planning services. Read the complete review of Citizens Bank.
— Assets: $227.1 billion
— ATMs: Over 3,200
— Branches: More than 900 branches in 14 states and Washington, D.C.
17. American Express National Bank
Headquartered in Sandy, Utah, American Express National Bank was founded in 1989 and its online bank opened in 2009. It offers a wide variety of banking products and services for customers, including savings accounts, checking accounts, certificates of deposit and personal loans. Read the complete review of American Express National Bank.
— Assets: $217.5 billion
— ATMs: Over 70,000 Allpoint and MoneyPass ATMs
— Branches: None
18. 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: $214.2 billion
— ATMs: More than 1,600
— Branches: Nearly 1,000 in 13 states and Washington, D.C.
19. KeyBank
Established 200 years ago, KeyBank is based in Cleveland. It offers deposit, lending, cash management and investment services. Read the complete review of KeyBank.
— Assets: $185.9 billion
— ATMs: More than 40,000 KeyBank and Allpoint ATMs
— Branches: More than 900 branches in 15 states
20. 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, auto loans and investment products. Read the complete review of Ally Bank.
— Assets: $185.6 billion
— ATMs: More than 75,000 via the Allpoint and MoneyPass networks
— Branches: None
More from U.S. News
How to Open a Bank Account Online
20 Largest Credit Unions in America
Is Now a Good Time to Lock In Certificate of Deposit Rates?
20 Biggest Banks in America originally appeared on usnews.com
Update 07/09/26: This story was previously published at an earlier date and has been updated with new information.
