If you’re searching for banks with branches in every state, you may be disappointed to learn that none exist. However, it’s worth noting that some online banks are available to customers in all 50 states.
In this article, we’ll list the banks and credit unions that have locations in the most states, along with how many branches they have. We’ll also cover the best digital banks and the pros and cons of choosing an online-only bank.
10 Banks with Locations in Almost Every State
The largest, most well-known national banks have a strong presence in many parts of the US, despite not having branches in every state. Additionally, these banks typically offer high-functioning online banking options. Therefore, they can be a good choice if you’re seeking a bank with a large number of branches.
Here is a list of the top 10 national banks based on how many states they have branch locations in:
1. Chase Bank
Chase Bank is the largest national bank in the United States, with locations in 48 states, excluding only Alaska and Hawaii. The bank has a vast network of branches and ATMs, with more than 4,700 branches and more than 16,000 ATMs across the country.
2. Bank of America
Bank of America is a nationwide bank with locations in 38 states and Washington, D.C. These locations are mostly concentrated in California, the East Coast, and Texas. They have over 4,000 branches and more than 16,000 ATMs.
3. Wells Fargo
Wells Fargo has over 4,700 branches in 36 states and Washington, D.C., with a high concentration of branches in the states of California, Florida, and Texas. They also offer customers access to over 12,000 ATMs.
4. PNC Bank
PNC Bank has more than 2,600 branches located in 28 states and Washington, D.C. The five states with the most PNC branches include Florida, New Jersey, Ohio, Pennsylvania, and Texas.
5. U.S. Bank
U.S. Bank has more than 2,000 locations in 26 states and over 4,700 ATMs. The bank has a significant number of branches in states such as California, Illinois, and Ohio.
6. Truist Bank
Truist Bank has a presence in 17 states and Washington, D.C., with a network of around 2,100 branches and over 3,000 ATMs. Truist has a wide selection of branches in states such as Florida, North Carolina, and Virginia.
7. KeyBank
KeyBank operates over 900 branches in 16 states, with a strong presence in key states such as New York, Ohio, and Washington. It also operates over 1,300 ATMs.
8. TD Bank
TD Bank has a presence in 15 states and Washington, D.C. The bank operates around 1,100 locations, with its top states being Florida, Massachusetts, New York, and New Jersey. It also has around 700 ATMs.
9. Regions Bank
Regions Bank has around 1,300 bank branches and over 2,000 ATMs in 15 states. It has a strong presence in states such as Alabama, Florida, and Tennessee.
10. Citizens Bank
Citizens Bank operates over 1,200 branches and more than 3,000 ATMs in 14 states and Washington D.C. The bank is particularly strong in Massachusetts, New York, and Pennsylvania.
5 Online Banks with Nationwide Access
Online banks don’t operate physical branches, which allows them to cut costs and pass the savings on to you through lower fees and higher interest rates. Most offer accounts to customers in all 50 states, though availability of certain services may still vary slightly by state.
Here are the five best digital banks with nationwide reach:
1. SoFi
SoFi offers a combined Checking and Savings account that can earn high APYs when you set up direct deposit. Without direct deposit, you’ll earn a flat rate across all balances. Accounts come with no monthly fees, no overdraft fees, and early direct deposit up to two days.
Beyond banking, SoFi provides a wide range of financial services, including personal loans, student loan refinancing, mortgages, investing, credit cards, and insurance. Customers also get access to unique perks like free career coaching, community events, and member discounts.
2. Current
Current provides flexible banking with no monthly fees, overdraft fees, or minimum balance requirements. You can access over 40,000 fee-free Allpoint ATMs and deposit cash at 60,000 retail locations like Walmart and CVS.
Current also offers points and rewards for using your debit card at select retailers, and its teen account option makes it a popular choice for families.
3. Chime®
Chime is a widely recognized neobank offering fee-free checking and savings accounts. There are no monthly maintenance charges, overdraft fees, or minimum balances. Customers get access to a network of 47,000+ fee-free ATMs nationwide.
Chime’s mobile app is user-friendly and includes tools like automatic savings, early direct deposit (up to two days early), and card replacement at no cost.
4. GO2bank
GO2bank, powered by Green Dot, offers a checking account with no minimum balance requirements and early direct deposit (up to two days early for paychecks and up to four days early for government benefits).
It also provides 4.50% APY on savings up to $5,000, overdraft protection up to $200 with eligible direct deposits, and access to 90,000 retail locations for cash deposits plus 19,000 fee-free ATMs.
5. Ally Bank
Ally is a full-service online bank offering checking, savings, CDs, and money market accounts with no monthly fees or minimum balances. Customers have free access to 43,000 Allpoint ATMs and receive up to $10 per month in reimbursements for out-of-network ATM fees.
Ally also provides mortgages, auto loans, investment services, and robo-advising, making it one of the most comprehensive online banking options.
7 Credit Unions with Nationwide Access
Here is a list of some top credit unions with nationwide access:
1. Alliant Credit Union
Based in Chicago, Alliant Credit Union offers nationwide membership and is known for its competitive rates and strong digital banking platform. Although it operates primarily online, members have access to over 80,000 fee-free ATMs through partner networks. Alliant is open to anyone who joins its partner charity, making eligibility broad and accessible.
2. Consumers Credit Union
Consumers Credit Union, not restricted by geographic location, provides nationwide membership and branch access. It offers a range of competitive financial products, including high-yield checking accounts, with extensive online and mobile banking tools.
3. Navy Federal Credit Union
Navy Federal Credit Union is the world’s largest credit union. Founded in 1933, Navy Federal primarily serves military personnel and their families. It has 345 branches in 30 states, Washington, DC and Guam.
4. State Employees’ Credit Union
One of the largest U.S. credit unions, SECU caters to state and public school employees in North Carolina, offering a range of financial products and services. SECU has 274 branches in all 100 counties of North Carolina.
5. America First Credit Union
Established in 1939, America First Credit Union has 122 branch locations in 5 states, including Arizona, Idaho, New Mexico, Nevada, and Utah.
6. PenFed Credit Union
PenFed Credit Union serves over 2 million members and operates across all 50 states. Short for Pentagon Federal, its origins are rooted in serving the military and defense community. However, membership eligibility has expanded over the years to include various other groups.
7. Connexus Credit Union
Connexus has a large membership base of over 300,000 members across all 50 states. It has 17 branches located in Illinois, Minnesota, and Wisconsin.
Final Thoughts
While no bank has branches in all 50 states, many come close—and most offer strong online and mobile tools to fill the gaps. For those who still value in-person service, banks like Chase, Bank of America, and Wells Fargo provide wide geographic coverage and thousands of physical locations across the country.
If physical branches aren’t a priority, online banks and nationwide credit unions offer a strong alternative. With low fees, high interest rates, and access across all 50 states, they’re a practical option for anyone who wants more flexibility without sacrificing features.
Frequently Asked Questions
What bank is available in every state?
Chase is the first national bank to have a retail presence in all the lower 48 states of the contiguous United States. It has branches located in every state except Alaska and Hawaii.
Chase does have one ATM in Oahu, Hawaii, but no ATMs in Alaska.
Can your bank be in a different state?
Yes. You can usually keep your bank even if you move to another state, especially with national banks that have branches and ATMs across the country. If your bank doesn’t operate locally, you can still rely on its online and mobile tools, but you may lose access to in-person service.
In some cases, you may need to switch banks to one that has branches or ATMs in your new location. Also note that account fees or minimum balance rules can differ by state, so it’s smart to review the terms before relocating.
Can I open a bank account online in another state?
Yes. Many banks and credit unions let you open an account online no matter where you live. The process usually requires a government-issued ID and proof of address. That said, some banks—like U.S. Bank—limit account openings to states where they operate. Always check eligibility before applying to avoid delays.
Can I open a bank account with an online bank from any state?
In most cases, yes. Online banks are set up to serve customers nationwide, so you can open an account from any state. Just be aware that a few online banks may have licensing restrictions or limit certain products by state. Reviewing the bank’s terms and conditions will confirm availability where you live.
