Whether you’re looking for robust digital tools, a wide ATM network, or a one-stop shop for all your financial needs, a national or “super regional” bank may be the right fit for you.

We evaluated the 20 largest U.S. banks by asset size, examining key metrics such as product offerings, interest rates, branch and ATM network size, customer service hours, money management tools, mobile app rating, and more to identify the 10 best.

Read on to find out which banks were ranked among the top 10 and why. (See our full methodology here.)

Best for a wide range of products and services

U.S. Bank was founded in 1863 and is the fifth-largest bank in the U.S by asset size. It has a large national presence with over 2,000 branches across the country, one foreign branch, and an expansive ATM network via the Moneypass ATM network.

This bank offers a wide array of products and services, including checking and savings accounts, credit cards, personal loans and lines of credit, home loans, and auto loans. It also offers business bank accounts, loans, and lines of credit, and corporate and commercial banking solutions and investment services.

U.S. Bank also offers higher relationship interest rates for certain accounts, an interest-bearing checking account, and a favorable mobile app rating.

Best for relationship banking

Citibank operates 651 branches in the U.S. and has a network of more than 2,300 ATMs within its branches. Customers also have access to more than 60,000 surcharge-free ATMs across the U.S.

Citibank offers a number of deposit accounts, individual retirement accounts (IRAs), mortgage and personal loans, business bank accounts, and more.

Citibank also offers relationship perks for customers who keep a balance of $30,000 or more on deposit, such as higher promotional interest rates on deposit accounts, lower loan rates, and waived account fees.

Best for budgeting and money management tools

Wells Fargo offers banking products and services for personal, small business, commercial, and corporate clients. This includes checking and savings accounts, CDs, home and auto loans, lines of credit, commercial financing, investing, and wealth management services. The bank also offers accounts for teens and benefits for members of the military and veterans.

Wells Fargo operates more than 4,200 branches in the U.S. and has a network of more than 11,000 ATMs. It also offers relationship rates for several of its accounts and an average mobile app rating of 4.8 stars.

Additionally, Wells Fargo offers a suite of online budgeting and money management tools through its My Money Map platform. Customers can view interactive charts and graphs to help visualize monthly spending patterns, create a personalized budget, set and track savings goals, and more.

Best for branch access

Chase Bank is the largest national bank in the U.S by asset size. It operates more than 4,900 branches and 15,000 ATMs across the nation and offers a wide range of products including credit cards, checking and savings accounts, certificates of deposit (CDs), home and auto loans, and business and commercial banking products.

Chase scored highly thanks to the number of branches it offers, the size of its ATM network, its credit score monitoring and budgeting tools, and its mobile app rating.

Best for mobile banking

Bank of America is the second-largest bank in the U.S. by asset size. It offers a range of products for personal and business customers, including deposit accounts, credit cards, lines of credit, and wealth management services. Bank of America operates more than 3,600 domestic branches and has a network of approximately 15,000 ATMs.

BofA ranked among the top 10 banks thanks to its large ATM and branch network, long list of products and services, relationship perks, and high mobile app ratings.

However, this bank fell lower on the list due to less competitive savings account rates and limited customer service hours. Although it does offer customers the ability to waive account fees by meeting certain requirements, it doesn’t offer completely fee-free accounts.

Best for global presence

HSBC Bank is an international bank with a national presence in the U.S. It offers bank accounts, credit cards, wealth management services, loans, and more. It also provides international services to customers who are looking to move, study, or invest in the U.S. or around the world.

Notably, HSBC’s relationship savings account interest rate is competitive at 3.7% APY, although its standard rate is well below 1%. This bank has a respectable mobile app rating of 4.5 stars and offers 24/7 customer support.

This bank fell lower on our list because it has a smaller number of branches in the U.S. with just 20 domestic branches. However, it does offer access to large network of more than 55,000 ATMs.

Read more: The 10 best high-yield savings accounts available today

Best for large savings balances

TD Bank serves more than 10 million customers with over 1,100 U.S. branches and a network of 2,600 ATMs. Its products include checking and savings accounts, credit cards, mortgages, loans, and investing services.

TD Bank made our list for its large branch and ATM network, comprehensive list of accounts and services, and competitive savings account rate for customers with larger balances. Account holders with balances above $100,000 can earn up to 3.25% APY.

Read our full review of TD Bank

Best for avoiding fees

Capital One is a credit card giant that expanded into online banking. Its offerings include checking and savings accounts, new and used auto financing, business accounts and credit cards, and commercial banking solutions.

Capital One operates over 200 branches across the U.S. and has a network of over 70,000 ATMs.

Although Capital One has fewer account options than some of the other banks on our list, it made our top 10 list for its fee-free accounts, credit scoring tools, and large ATM network. Capital One also ranks among our top 10 online banks for 2025.

Read our full review of Capital One

Best for customer service

KeyBank’s footprint stretches across 15 states with more than 1,000 full-service branches. It offers personal and business banking products and services, including checking and savings accounts, mortgages, personal loans and lines of credit, and more.

KeyBank scored favorably thanks to its long list of products, 24/7 customer support, and relationship banking perks. However, it fell near the bottom of our list due to its account fees and lack of budgeting and money management tools compared to other banks. KeyBank also has higher minimum opening deposit requirements for some of its accounts.

Read our full review of KeyBank

Best for free account options

The final bank on our list is Fifth Third Bank, a “super regional” bank headquartered in Ohio. It operates over 1,000 branches across the U.S. and has a network of more than 40,000 fee-free ATMs.

Fifth Third Bank offers checking and savings accounts, CDs, SBA loans, cash management solutions, business checking and credit card solutions, investment management, and more. The bank scored highly for its sizable ATM and branch network, excellent mobile app rating, varied product menu, and interest-bearing checking accounts.

A national bank is a large financial institution chartered and regulated by the Office of the Comptroller of the Currency. This type of bank typically offers large, nationwide branch and ATM networks as well as a wide range of financial products and services.

National banks have a lot in common with regional banks, but these financial institutions are not exactly the same. Unlike regional banks, national banks are typically larger and operate under a national, not state, charter.

“Super regional” banks are the midpoint between a regional bank and a national bank. These banks typically operate in most states but don’t have a fully nationwide presence.

National banks and community banks may offer some of the same products and services. However, they operate on different scales. National banks tend to be larger than community banks, offering more products and services and, typically, more fees. These banks also tend to have a larger branch and ATM network and can also be publicly traded.

Community banks, on the other hand, are privately owned, state-chartered banks that tend to be focused on serving a specific local area with an emphasis on personalized service and relationships.

Credit unions are not-for-profit financial cooperatives that offer similar products and services as banks, but are membership-based and tend to offer products tailored for those members. While anyone can open an account at a national bank, credit unions have eligibility requirements you must meet in order to join.

Online banks and national banks are pretty similar with the exception of physical branch locations. While many national banks offer online accounts and services, online banks operate exclusively via the web, meaning customers don’t have the ability to visit a brick-and-mortar location. Online banks typically offer better interest rates and fewer fees because they have fewer overhead costs.

Banking with a larger financial institution has its pros and cons. Here are some considerations to keep in mind before you determine whether a national bank is right for you.

Pros:

• More products and services: A bigger bank may be able to offer more products and services, making it a one-stop shop for all of your banking needs. Meanwhile, smaller institutions may only have a handful of deposit account and loan types and no wealth management or investing services.

• Larger ATM and branch network: Big banks tend to have larger ATM networks and more branches than smaller community banks. This could be a major advantage for customers who value accessibility no matter where they are.

• Extended customer service hours: Many large banks offer late-night, weekend, or 24/7 customer support.

Cons:

• Lower account APYs: Because bigger banks are well established and face less competition than smaller community banks and credit unions, they don’t need to offer as competitive of rates on deposit accounts and loans.

• Higher account fees: National and super regional banks usually have higher overhead costs due to more branches and employees. These costs are often passed down to customers in the form of higher bank fees.

• Less personalized products and services: Unlike community banks and credit unions, national and super regional banks may offer more one-size-fits-all account options suitable for a larger demographic. Customer service may also seem less attentive and more rushed.

The four largest national banks by asset size are Chase, Bank of America, Citibank, and Wells Fargo, according to the Federal Reserve.

There are several national banks in the U.S., including Chase Bank, Bank of America, Citibank, Wells Fargo, and more.

National banks are federally chartered institutions that serve clients and businesses across the country by providing banking products and services.

Our grading system, collected and carefully reviewed by our personal finance experts, comprises over 250 data points among the 20 biggest banks in the U.S. We used this data to develop our list of the top 10 best national and super regional banks.

The banks on our list could earn a maximum of 43 points across all 13 categories. Here’s a closer look at the factors we considered:

• National rank by asset size: We referenced data from the Federal Reserve to award these banks with points based on their national rankings by asset size. Banks ranked within the top five by the Federal Reserve received the most points.

• Number of domestic branches: Banks that offer a greater number of domestic branches received more points than those that did not.

• Offers foreign branches: We also rewarded banks that offer foreign branch locations.

• ATM network: Banks with larger ATM networks received more points than those with fewer ATMs.

• 24/7 customer support: We gave extra points to banks that offer 24/7 live customer support.

• Accounts and products: Banks that offer a wider variety of deposit, lending, retirement, and investing services were ranked higher than those with fewer offerings.

• Relationship perks: We rewarded banks that offer higher rates or discounts for established customers.

• Monthly fees: Banks offering mostly fee-free accounts earned additional points.

• Maximum savings account APY: We rewarded banks with extra points based on the highest possible savings account APY offered.

• Offers interest-bearing checking account: Banks that offer an interest-bearing checking account earned extra points.

• Budgeting and money management tools: Banks providing digital budgeting and money management tools to help customers make more informed financial decisions scored higher than those that do not.

• Credit score access: Many banks offer customers access to their credit scores; our ranking favored banks that provide this feature.

• Mobile app rating: We calculated the average mobile app rating for each bank and awarded more points to banks with higher average ratings.