10 Best Banks in Ohio for 2025

U.S. Bank is currently welcoming new applicants with a special offering:

• Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities.
• Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
• Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.

The account includes a free debit card that can be locked or unlocked if ever misplaced or stolen. There are no ATM transaction fees at U.S. Bank ATMs and no surcharge fees at over 40,000 MoneyPass® Network ATMs.

The checking account requires a $25 opening deposit and a $6.95 monthly fee. This fee can be waived for those 24 and under, 65 and over, or military members (must self-disclose).

Additionally, the fee can be waived with monthly deposits of $1,000+, an average balance of $1,500+, or holding an eligible U.S. Bank credit card. Qualifying for any Smart Rewards® tier (Primary, Plus, Premium, or Pinnacle) also waives the fee.

The Rewards Checking Plus account has no monthly maintenance fees, overdraft fees, or transfer fees, and it doesn’t require a minimum deposit to start.

You can also benefit from features like early direct deposit, which allows you to receive your paycheck up to two days earlier than standard banking times.

Additionally, the account rewards users with up to 2% cash back on debit card purchases.

With the Upgrade Premier Savings account, you can earn a competitive 4.14% APY on balances over $1,000.

In partnership with Cross River Bank, Upgrade guarantees that all accounts are safeguarded with FDIC insurance up to $1 million.

The Momentum Checking account ranks among the best checking accounts by eliminating monthly maintenance fees. It also gives you an extra business day to sort out any overdrafts, saving you from costly fees if you can cover the balance by midnight of the next day.

There is no minimum deposit and no minimum balance requirement, making it easy for anyone to open an account. While the bank’s savings accounts offer a relatively low rate, its CD rates are quite competitive.

Fifth Third Bank also offers a noteworthy perk: early access to your paycheck. This feature can be especially helpful for those who need to budget around pay cycles or who have immediate expenses to cover.

For those who want their income sooner rather than later, SoFi’s early direct deposit is a valuable feature. It allows you to receive your paycheck up to two days ahead of schedule.

SoFi also offers FDIC insurance that covers up to a significant $2 million. Overdraft protection is another layer of financial security, offering up to $50 coverage without additional fees for customers with qualifying direct deposits.

For newcomers, SoFi makes the transition sweet with a welcome bonus ranging from $50 to $300, depending on your initial deposit amount.

SoFi also provides its customers access to over 55,000 Allpoint® ATMs, ensuring that you can easily withdraw money whenever you need it.

The bank has a strong footprint in key cities such as Columbus, Cleveland, and Akron. It offers a fee-free checking account with mo monthly maintenance fee, and forgives overdraft charges up to $50.

Huntington Bank offers strong interest rates on CDs and money market accounts, making it a great option for those looking to maximize earnings. However, their savings account rates are less competitive compared to other offerings.

Additional perks like Standby Cash, an automatic line of credit, and getting paid two days early round out Huntington’s suite of services. Overall, Huntington National Bank provides a comprehensive and customer-friendly banking experience, ranking it among the best banks in Ohio.

For the checking account, there are no monthly service fees, and no requirement for an opening deposit or a minimum balance.

Wright Patt Credit Union offers strong rates, including high returns on the first $1,000 in savings. They also offer competitive rates on CDs and money market accounts, providing solid choices for saving and investing.

ATM access is convenient and fee-free through WPCU’s own ATMs located throughout Southwest and Central Ohio, as well as through the nationwide CO-OP ATM network.

Beyond banking, Wright Patt supports its local community through the WPCU Sunshine Community Fund, which contributes to local nonprofits. They also offer competitive rates on personal loans, making it a well-rounded option in Ohio.

While this account comes with a $12 monthly fee, it can be easily waived. You can avoid the fee by having direct deposits totaling at least $500 each month, maintaining a daily balance of $1,500, or keeping a minimum of $5,000 across all your Chase accounts.

Young adults between the ages of 18 and 24 can take advantage of the Chase Student Checking Account, specifically designed to help them manage their finances while they focus on their studies.

When it comes to ATM access, Chase customers benefit from fee-free transactions at over 16,000 Chase Bank ATMs. Interest rates at Chase are relatively low for savings accounts, but they offer competitive rates on CDs.

One more area where Chase shines is in their credit card offerings. They provide excellent cards that come with bonuses and general rewards, providing extra value for those who are savvy with their credit usage.

However, this fee is waived if you set up monthly direct deposits or maintain a balance of at least $100. Opening an account is also straightforward, requiring only a $25 deposit.

If you’re looking to invest, Woodforest has attractive CD rates. Small business owners will find value in Woodforest’s competitive loan rates tailored for various business needs.

Additionally, customers can easily track their credit score through the bank’s mobile banking app, which adds a layer of convenience in managing one’s financial health.

Another commendable feature of Woodforest National Bank is their second chance checking account. This option is designed for those with a negative banking history, providing an opportunity to rebuild a strong financial foundation.

Their Simplicity Account is a basic checking account with no monthly fees, as long as you opt for electronic statements. The account also includes free introductory checks and overdraft protection options.

For savers, Park National Bank provides a traditional savings account, along with specialized options like health savings accounts and a Christmas Club Savings Account. Beyond that, they offer an array of financial products including loans, credit cards, and investment accounts.

With no monthly fees and a minimum deposit of $50, Civista Bank makes it simple to start banking with them. They also don’t require a minimum balance, giving you flexibility with your finances.

Civista Bank is known for providing homebuyer assistance grants, a great benefit for those looking to purchase a home.

For business owners, the bank offers multiple types of business checking accounts, which makes it an ideal choice for both individuals and businesses.