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 bring 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 Credit Unions with Nationwide Access
Here is a list of some top credit unions with nationwide access:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
Online Banks with Nationwide Access
Online banks typically don’t have physical locations, they only exist online. This allows them to offer lower fees and higher interest rates.
Most online banks are able to offer their services to customers across all 50 states in the United States. However, there may be certain restrictions or regulations that vary by state.
The following is a brief overview of some of the best digital banks:
SoFi
SoFi is a financial services company that offers a combined Checking and Savings account as its flagship banking product. The account earns different APYs based on where the money is parked within the account if you set up direct deposit. Otherwise, you’ll get a flat APY for all balances.
SoFi also provides two days early direct deposit, no monthly maintenance or overdraft fees. They also offer private student loans, student loan refinancing, personal loans, mortgage loans, investment products, credit cards, and insurance.
As a customer of SoFi, you can access member benefits such as complimentary career coaching, invitations to local events and happy hours, and discounts on estate planning.
Chime®
Chime is a neobank that offers fee-free banking services, including no monthly fees, overdraft fees5, or minimum balance requirements. The only potential fee is an out-of-network ATM fee1, but this can be avoided by using Chime’s wide network of over 60,000 ATMs across the country.
Chime provides a user-friendly mobile app that comes with a range of features to help manage your money. These include a no-cost replacement Visa debit card and a round-up feature to transfer into high yield savings account.
Current
Current is a fintech company that offers standard and teen accounts with no hidden or monthly fees. These checking and savings accounts also have no minimum balance requirements and do not charge overdraft or money transfer fees.
You can withdraw cash from over 40,000 Allpoint ATMs and earn points by using your Current debit card at participating retailers. You can also deposit cash at over 60,000 popular stores like Walmart and CVS using the instant cash deposit feature.
Upgrade
Upgrade is an online bank that offers the Rewards Checking Plus account that blends convenience with cost savings, offering no monthly fees, ATM fees, or transfer fees. Customers with direct deposits can earn up to 2% cash back on common debit card purchases.
The direct deposit feature enables customers to access their paychecks up to two days early, enhancing flexibility in managing personal finances. Additionally, the account offers a rebate on up to five monthly ATM fees from out-of-network ATMs, subject to specific conditions.
Operating as a fintech rather than a traditional bank, Upgrade collaborates with Cross River Bank to provide Premier Savings accounts, ensuring all funds are FDIC insured up to $250,000, thus emphasizing Upgrade’s dedication to innovative and secure banking solutions.
Quontic Bank
Quontic Bank is a digital bank that offers three unique checking account options: the high interest account, cash rewards account, and Bitcoin rewards account. They also have high rates on their savings accounts and CDs, with the option to open a savings account with as little as $100.
The Bitcoin Rewards Checking account allows you to earn APY on eligible debit card purchases, and you can also save money with their money market account or certificate of deposit (CD).
Quontic checking accounts come with no monthly fees, no overdraft fees, and no domestic wire fees. In addition, you’ll have access to thousands of free ATMs nationwide, and easy money transfer options through platforms such as Zelle, Apple Pay, Google Pay, and Samsung Pay.
CIT Bank
CIT Bank offers some of the highest interest rates in the banking industry. Their eChecking accounts require a $100 minimum opening deposit and come with a free debit card.
They also offer two-tiered savings accounts, money market accounts, and CDs. As a CIT Bank customer, you can benefit from no monthly fees, mobile check deposit, and 24/7 access to a robust mobile app.
Ally Bank
Ally Bank is a full-service online bank that provides a variety of accounts, including a checking account, high-yield savings account, certificate of deposit (CD), and money market account. They also offer loans such as mortgages and auto loans, as well as investment services like robo-advising and wealth management.
With Ally, there are no minimum balance requirements or monthly maintenance fees. They are part of the Allpoint ATM network, which allows free access to over 43,000 Allpoint ATMs across the U.S.
Additionally, if you are charged a fee for using an out-of-network ATM to withdraw money, Ally will reimburse you up to $10 per month.
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 in Alaska and Hawaii.
Chase does have one ATM in Oahu, Hawaii, but no ATMs in Alaska.
What bank has locations all over the U.S.?
Wells Fargo has the most total locations among national banks, but Chase has locations in the most states.
Chase has branches in 48 states, Bank of America in 38 states, and Wells Fargo in 36 states.
What are the best national banks?
The best national bank depends on what you are looking for in a bank. Some people may value a bank with a wide network of ATMs and branches, while others may prioritize online and mobile banking capabilities.
Additionally, some people may be looking for a bank with a wide range of financial products and services. Others may be looking for a bank with the best interest rates or fees.
That being said, some of the largest and well-known national banks in the United States include JPMorgan Chase, Bank of America, Wells Fargo, Citibank, and U.S. Bank. These banks have a wide network of ATMs and branches across the country, and offer a wide range of financial products and services.
Can your bank be in a different state?
Yes, your bank can be in a different state. Many national banks have branches and ATMs in multiple states, so you may not need to switch banks if you move to another state.
However, you should check with your bank to see if they have branches or ATMs in your new state of residence. If they do not, you may need to switch to a bank that does have locations in your new state.
Additionally, some banks may have different account fees or minimum balance requirements depending on the state, so you should review these terms before making a decision.
Can I open a bank account online in another state?
Yes, it is possible to open a bank account online in another state. Many banks and credit unions offer online account opening, which allows you to complete the process remotely. However, some banks, like U.S. Bank only allow you to open an account if you live in a state in which they operate.
There may be some restrictions or additional requirements, such as needing to provide a valid government-issued ID and proof of address. Be sure to check with the specific bank or credit union to see what is required and if they allow opening an account from another state.
Can I open a bank account with an online bank from any state?
Yes, in general, you can open a bank account with an online bank regardless of the state you reside in. However, some online banks may only be licensed to operate in certain states.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
1. Out-of-network ATM withdrawal fees may apply with Chime except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
5. Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
