Banks With Branches In All 50 States Across The United States

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One of the most important aspects of a successful economy is the banking system.

In the United States, there are numerous banks which offer a wide range of services. We will discuss the largest banks in the United States.

JPMorgan Chase & Co. is the largest bank in the country. It has more than $3.3 trillion in assets and is headquartered in New York City. JPMorgan Chase provides customers with a range of banking services including investments, credit cards, and mortgages. The bank also operates JPMorgan Private Bank which provides wealth management services for clients around the globe. They serve more than 100 countries globally.
Bank of America is the second-largest bank in the United States. It has more than $2.4 trillion in assets and is headquartered in Charlotte, North Carolina. The bank provides its customers with various financial services including loans, investments, mortgages and insurance. Bank of America is a global institution, with branches in 35+ states and 16 countries around the world.
Citigroup is the third-largest bank in the United States with more than $1.7 trillion in assets. Citigroup is headquartered in New York City and provides a variety of consumer and commercial banking services to its customers. The bank also offers investment, insurance, and wealth management services through its subsidiaries.
Wells Fargo is the fourth-largest bank in the country with more than $1.7 trillion in assets. Wells Fargo is headquartered in San Francisco and provides banking services including investments, loans, and insurance.
U.S. Bank is the fifth-largest bank in the United States with more than $590 billion in assets. U.S. Bank is headquartered in Minneapolis, Minnesota and offers customers a range of banking services such as investments, mortgages, and consumer loans. The bank operates in 25 states across the country.

The list of the largest banks in the United States offers a snapshot of some of the most important financial institutions in the country. These banks provide a variety of services and products that help individuals and businesses reach their financial goals.

Don’t bother looking for banks with branches in all 50 states, because they don’t exist. But there are a few national banks that come close, and online banking means you can still get help from almost anywhere.

We’ll talk about the biggest banks in the US and where you can find them in this post. They range from big names like Chase and Wells Fargo to online-only banks like Chime and Aspiration.

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Banks With Locations In Nearly Every State

Even though these banks aren’t everywhere, the biggest and most well-known ones have a big presence in most of the United States.

Of course, all big banks now have some kind of online banking service. Even though each platform is different in terms of quality and ease of use, big national banks tend to have good online tools for banking on the go.

So, if you want to find as many branches as possible, the largest banks are a good place to start, even if they don’t have locations in all 50 states.

Chase Bank

Has branches in the most states (48)

Chase Bank has retail locations in all of the lower 48 states, making it the bank that is most close to being in every state.

Alaska and Hawaii are the only states that don’t have a Chase Bank branch.

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Wells Fargo

Has the most U.S. branches

Wells Fargo has more branches than any other bank, but it serves a smaller area than Chase. In 37 states, you can find a Wells Fargo branch. The most branches are in California, Texas, and Florida.

Missouri, Oklahoma, Louisiana, Indiana, Michigan, Kentucky, Ohio, West Virginia, Rhode Island, Massachusetts, New Hampshire, Maine, Hawaii, or Vermont don’t have any Wells Fargo branches.

Bank of America

Has the most ATMs nationwide

There are almost 4,000 Bank of America branches in 37 states. It has more than 800 branches in California, which is where it has the most business.

Bank of America has branches in most parts of the United States, but you might have trouble finding one in the Midwest and the South.

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PNC Bank

After acquiring BBVA, PNC Bank now has 2,500 locations in 26 states. Most of PNC’s branches are still in the Mid-Atlantic, but with the expansion, it now has a large branch network in Texas as well.

Even though PNC has grown in the past few years, it is still not in the Pacific Northwest or most of the Midwest.

Citibank

Citibank has the fewest branches of the “Big Four” banks, with about 700 locations in 13 states. About 500 of these branches are in either New York or California.

Citibank is mostly concentrated in the Mid-Atlantic and California, so you won’t find many (if any) branches in other parts of the US.

US Bank

US Bank is one of the best-known banks in the West and Midwest, where it has nearly 3,000 branches in 26 states.

Other than Florida, the bank isn’t anywhere on the East Coast, and it hasn’t even made it to Texas or most of the Deep South yet.

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Online Banks Are Available Nationwide

Online banks do not have any bank branches. Instead, they only do business online and trade the cost of having a physical store for lower fees and higher interest rates.

So, online banking might not be for you if you need a bank with branches, tellers, and in-person help. But if you don’t need all that, these online banking options are some of the best.

Also, some parts of an online bank are more common than those of the big national banks.

Next, let’s look at some of the online banks we like best.

Chime

Chime is an online banking provider that works with the Allpoint network of ATMs. This means that Chime customers can use more than 60,000 ATMs in all 50 states without paying a fee.

So, you won’t see any Chime branches, but when you need cash, you’ll have more access to it.

Ally

The largest online bank in the US is Ally. Anyone in the US can get an account, and there are no minimums or fees to worry about when you open one. Ally is similar to Chime in that it doesn’t have any branches or ATMs. However, it has a top-notch mobile app and will reimburse you for ATM fees every month.

Even if you don’t like ATMs, digital banks have a lot going for them compared to the largest banks in the US. Most online banks don’t charge annoying monthly fees, and their APYs are almost always much higher than the average for all banks.

There Are Other Ways To Bank In The United States

If you still haven’t found the right bank for you, here are a few more options to think about.

Hybrid Banks

Want to try a little of everything? Your best bet might be a hybrid bank. Some of these banks, like Capital One in New York, have retail branches, but they also have full-service online banking platforms.

Hybrid banks are like online-only banks that also have tellers on hand in case you need them. You won’t find branches from coast to coast, but if you live in the area that the bank serves, you should have more than enough.

Another type of hybrid bank is HSBC. The bank’s main office in the United States is in New York City, and it has nearly 200 branches all over the country.

Also, HSBC is now a part of the Allpoint ATM network, so you can get the benefits of an online bank while still being able to use a physical location.

Regional Banks

A regional bank is one that serves a specific area of the US. This can range from an individual state like California to an entire region like New England or the South. Most of the time, to open an account at a regional bank, you have to live in one of the states that the bank serves.

Local, regional, and community banks, as well as credit unions, tend to focus on the needs of the communities they serve. This is different from big banks. The customer service at these banks is known for being more personal, which makes you feel less like a number.

Of course, the trade-off is that you can’t use the same financial services if you move out of the area that the bank serves.

But being local doesn’t always mean being small. For example, PNC Bank has ATMs and branches in 19 states, but it is one of the biggest banks in the US. TD Bank is also in the top 10 when it comes to total assets, but it only does business on the East Coast.

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Overall, people who are often on the road shouldn’t use a local bank. Even though many regional banks offer ATM reimbursements and online banking, you’re usually better off with a national bank because it covers a wider area.

How To Pick The Right Bank For You

As you think about your options, you should ask yourself what you really want from a banking partner. For example, think about why having branches in so many states is important to you. Is it the security of knowing that a teller will be there to help you when you’re on the road? Are you moving to another state and looking for a bank you can stay with?

Even though it might seem best to choose the bank with the most branches, there are more important things to think about. The good news is that there are more than one way to fix it. Instead of looking for the biggest or best national bank, think about what makes a bank the best partner for you.

Depending on how much you use a bank, you might be surprised by how unnecessary a physical branch is. If you only have a checking account, savings account, debit card, and credit card, you might not need to go to a branch for most of your banking needs. For more complicated banking services, like wealth management, it might become more important to have that in-person support.

Bottom Line

Even though it might seem like a big choice, the best banking partner comes down to a few simple things: your goals, your lifestyle, and your preferences. Some people might like traditional banking, but others might be more comfortable with online banking only.

Still, there are some things to think about if you feel like you need access everywhere. Before you open an account with a bank, you should know what to expect, from ATM access to in-person help to the bank’s online platform.

Frequently Asked Questions (FAQs)

Which banks have branches in all 50 states?

There are no banks that have branch offices in all 50 states right now. This isn’t likely to change, since most banks are focusing on their online presence and closing some of their traditional branches.

Which bank is in the most states?

Chase has locations in 48 states. Only Alaska and Hawaii don’t have a Chase branch.

Which banks have the most branches in the U.S.?

Chase, Bank of America, Wells Fargo, U.S. Bank, and Citibank are the banks that are most well known across the country. All of these banks have branches in most US states, including Florida, Illinois, Oklahoma, and others.

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