Bank of America has a roughly 250-year history and a clientele of 66 million clients in the United States and 35 countries around the world, demonstrating that it is a well-established financial organization with many appealing features.

It has one of the most ATMs in the country and offers a comprehensive range of account services. With a $25 starting deposit, you may create a checking account with no overdraft fees and the possibility to waive monthly fees if you join the Preferred Rewards program. BoA also offers a secure mobile app that allows you to manage your accounts, make money transfers, and pay bills while on the go.

Necessary Information:

• Online or In-Branch: Both
• Monthly Fees: $0-$12
• 4,500 branches in 37 states and 15,000+ ATMs
• Avoid account fees with daily or monthly minimums

Website: https://www.bankofamerica.com/

Whatever region of the nation you're in, there's a high possibility you'll be able to find a Chase bank or ATM nearby. Chase is one of the fastest expanding banks in the country, with over 5,000 locations and 15,000 ATMs.

Despite its extensive physicality, Chase also provides some of the most convenient online banking options, such as Chase Quick Pay with Zelle and mobile check deposits, all of which are available through the Chase app. Chase features good checking and savings accounts as well as significant sign-up bonuses, but its service costs might sneak up on you if you aren't careful.

Necessary Information:

• Online or In-Branch: Both
• Monthly Fees: $0-$12
• Almost 5,000 branches and more than 15,000 ATMs nationwide
• Offers sign-up bonuses for checking and savings accounts

Website: https://www.chase.com/

Wells Fargo is one of the largest bank networks in the United States, with approximately 5,300 physical locations in all but a few states in the Midwest and Northeast.

This behemoth provides nearly every financial service possible, as well as some attractive incentives. Customers who make ten debit card purchases per month, as well as those who maintain a minimum daily balance of $1,500 or direct deposits of $500 or more per month, are exempt from the variable monthly charge at Wells Fargo.

Necessary Information:

• Online or In-Branch: Both
• Monthly Fees: $0-$10
• 5,300 physical locations and 1,300 ATMs across America
• Waive monthly fees by using your debit card

Website: https://www.wellsfargo.com/

Because more consumers switch to online banking, Ally, an internet-only bank, has gotten a lot of attention. Its safe and smooth online platform, not to mention its network of 40,000+ ATMs around the nation that clients may use for free, more than compensate for its absence in physical presence.

Ally Bank is a rare find, paying interest on your checking account balance with an annual percentage yield (APY) ranging from 0.1 percent to 0.6 percent. Its savings account pays a high 1.25 percent annual percentage yield (APY), though this rate is changeable, and its one-year CD pays 1.75 percent with no minimum deposit.

Necessary Information:

• Online or In-Branch: Online Only
• Monthly Fees: None
• Free use of more than 40,000 ATMs across the US

Website: https://www.ally.com/

Citibank, which was founded in 1812 and now has over 100 million clients worldwide, is a large bank with all the things you'd expect: a big network of branches and ATMs, competitive interest and CD rates, and a wide range of account options and financial services.

When it comes to assisting consumers with identity theft or fraud, Citibank stands apart. They'll assign you to a Citi Identity Theft Solutions Specialist who will assist you with your case, monitor your credit report, and keep you up to speed on any changes until the case is completed.

Necessary Information:

• Online or In-Branch: Both
• Monthly Fees: $0-$12
• Use more than 65,000 ATMs without fees
• Excellent security and identity theft services

Website: https://www.citigroup.com/citi/

Capital One Financial Corporation is a bank holding company based in McLean, Virginia, that specializes in credit cards, auto loans, banking, and savings accounts. It is one of the largest banks in the United States, with a reputation for being a technology-focused bank.

Capital One is the only major national bank that does not charge a monthly fee for its checking account. Capital One offers the best interest rates among conventional large banks, with 0.2 percent APY on balances in its 360 Checking account and 0.75 percent APY on balances in its 360 Savings account, both without fees.

Necessary Information:

• Online or In-Branch: Both
• Monthly Fees: None
• 0.2%-0.75% interest rates on checking and savings accounts

Website: https://www.capitalone.com/

PNC stands out with its virtual wallet, which lets you divide your money into three categories: spend, reserve, and grow; and manage them all from your phone or online.

PNC aids in the creation of budgets, the usage of a bill payment calendar, and the management of your finances. PNC's branches are restricted to the east coast and parts of the Midwest, but it does provide clients with access to over 18,000 PNC and partner ATMs around the country.

Necessary Information:

• Online or In-Branch: Both
• Monthly Fees: $0-$7
• Great mobile app with virtual wallet service
• Access more 18,000 ATMs nationwide

Website: https://www.pnc.com/en/personal-banking.html

TD Bank is a subsidiary of the Canadian multinational Toronto-Dominion Bank. It primarily serves the East Coast, with operations in fifteen states and Washington, D.C.

After many years in business, the bank has proven its worth through the trust of loyal clients. TD's Convenience Checking account has only a $100 minimum balance to avoid monthly fees, offers free mobile deposits, and offers student perks to those aged 17 to 23. Customers appreciate the company's policy of keeping many of its branches open seven days a week, as well as its 24/7 live customer support telephone line.

Necessary Information:

• Online or In-Branch: Both
• Monthly Fees: $0-$15
• Many branches open 7 days a week
• Avoid monthly fees with a $100 minimum balance in Convenience Checking account

Website: https://www.td.com/us/en/personal-banking/

US Bank began growing out of Oregon in the 1980s. The bank began with an acquisition in Washington and then moved to California. Expansions were carried out in Idaho, Nevada, and a number of other states. Today, it is one of the largest banks particularly serving the Midwest.

If you keep a specific minimum balance, many banks may waive or repay the monthly charge. And if you retain a minimum monthly balance of $1,500 or make at least $1,000 in direct deposits, US Bank will forgo the $7 charge. Though its rates are often less competitive than those of other large banks, US Bank's live 24/7 customer service has won its acclaim.

Necessary Information:

• Online or In-Branch: Both
• Monthly Fees: $7
• Waive monthly fees with a minimum balance
• 24/7 live customer support

Website: https://www.usbank.com

Axos, formerly known as Bank of Internet USA, was the first entirely online bank. As a pioneer in digital banking, the bank provides a wide variety of cutting-edge financial products and services with the greatest degree of security.

It includes a number of advantages to compensate for the lack of actual locations, including no monthly costs. It's also one of the few internet banks that accepts cash deposits over the phone. Axos also provides online wire transfers, biometric identification, and ATM fee reimbursements. Despite being a relatively new bank, Axos has garnered praise for its creativity and accessibility.

Necessary Information:

• Online or In-Branch: Online Only
• Monthly Fees: None
• Remote cash deposits and refunds on ATM charges

Website: https://www.axosbank.com/Personal