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Putting your money with one of the largest banks generally means you’ll have more access to in-person services at branches, a large ATM network and a wide array of products and services, which can be convenient if you’re looking to do all your banking in one place.
To find the largest banks in the U.S., we looked at domestic asset sizes of institutions that serve both consumers and small businesses. A bank’s assets include the amount in customers’ deposit accounts, as well as loans, mortgages and credit card accounts. Some of these banks have thousands of branches, while others are mostly, or exclusively, online. All of these banks are FDIC insured.
Based on asset size, here are the top 20 largest banks in the United States.
» Want the best banks instead? Check out NerdWallet’s picks for the best national banks
Assets (Domestic, in millions)
The largest banks in the U.S.
Chase, the largest bank for consumers and small businesses, is part of JPMorgan Chase & Co. It has one of the largest branch networks out of all the biggest banks, with locations in the most states.
ATMs: 16,000; some or all out-of-network ATM fees waived for premium accounts.
Branches: 4,800+ in 48 states and Washington, D.C., with high concentrations in California, the East Coast and Texas; no branches in Alaska or Hawaii.
Learn more: Chase review
» Want to find a Chase account with a sign-up bonus? Check out the current Chase bank promotions
2. Bank of America
Bank of America is the second-largest bank, located in the second-most number of states. Of the top three banks on this list, it offers the fewest branches but the most ATMs.
ATMs: About 17,000; some or all out-of-network ATM fees waived but only for some premium accounts.
Branches: About 4,200 in 37 states and Washington, D.C., mostly concentrated in California, the East Coast and Texas.
Learn more: Bank of America review
» How do the two largest banks stack up against each other? Find out in our Bank of America vs. Chase comparison
3. Wells Fargo Bank
Of the top three largest banks, Wells Fargo offers the fewest number of ATMs but the largest number of branches for those who prefer in-person banking.
ATMs: 12,000+; some or all out-of-network ATM fees reimbursed for some premium accounts.
Branches: About 4,900; in 36 states and Washington, D.C., with high concentrations in California, Florida and Texas.
Learn more: Wells Fargo review
» Interested in rewards for having a high balance in your accounts? Learn about premium bank accounts
Citibank has one of the fewest numbers of branches of banks on this list, but it does have 1,800 branches overseas and a massive domestic network of ATMs.
ATMs: 65,000+, including those in Allpoint and MoneyPass networks; out-of-network ATM fees refunded for some premium accounts.
Branches: 650+ across 11 states and Washington, D.C.; with high concentrations in California and New York.
Learn more: Citibank review
5. U.S. Bank
U.S. Bank offers thousands of ATMs and about half as many branches as the top three banks on this list.
ATMs: Thousands, including those in the MoneyPass network.
Branches: About 2,300 in 26 states, with high concentrations in California, Illinois and Ohio.
Learn more: U.S. Bank review
» How do U.S. Bank and Wells Fargo compare? Learn their differences in our Wells Fargo vs. U.S. Bank comparison
6. Truist Bank
Truist is the result of the merger of BB&T and SunTrust Bank; if you have an account at either bank, you're a customer of Truist. It offers the fourth-highest number of branches of any bank on this list, with locations on the East Coast, in the Midwest and in the South.
ATMs: About 3,700; BB&T and SunTrust customers can make cash withdrawals for free at each other’s ATMs.
Branches: About 2,500 in 17 states and Washington, D.C., with high concentrations in Florida, North Carolina and Virginia.
7. PNC Bank
As of July 2021, PNC Bank acquired BBVA USA and is transitioning customers and accounts. Including BBVA branches, PNC Bank now has branches in over half the country.
ATMs: About 18,000; the bank may reimburse up to two out-of-network ATM fees per statement period.
Branches: 2,800+ in 27 states and Washington, D.C., with high concentrations in Pennsylvania and Texas.
Learn more: PNC Bank review
8. TD Bank
TD Bank’s physical reach is less widespread than other large banks. Its ATMs and branches are available only along the East Coast.
ATMs: 700; the bank may reimburse out-of-network ATM fees for some accounts, depending on the balance.
Branches: About 1,100 in 15 states and Washington, D.C, mostly concentrated in Florida, Massachusetts, New York and Pennsylvania.
Learn more: TD Bank review
9. Capital One
The Capital One network features the most ATMs of any banks on this list but relatively few branches. Some of the branches are Capital One cafes, where customers can attend free workshops and receive one-on-one financial coaching.
Branches: 300+ across seven states and Washington D.C.; mostly concentrated in Louisiana and New York.
Learn more: Capital One review
» Interested in comparing two online bank options? Check out our review of Ally Bank vs. Capital One 360
10. Fifth Third Bank
Fifth Third Bank is concentrated mainly in the South and Midwest, but its ATM network is the third largest of the banks on this list.
ATMs: 50,000+, including ATMs in the Allpoint, Presto! and 7-Eleven network.
Branches: 1,100+ in 11 states, with high concentrations in Illinois, Michigan and Ohio.
Learn more: Fifth Third Bank review
11. HSBC Bank
Though it currently sits at #11 on this list, HSBC will soon be closing down its U.S. retail banking business. Citizens Bank and Cathay Bank have agreed to purchase HSBC’s banking business on the East and West Coasts, respectively. Savings, checking and loan customers will have their accounts transferred to either Citizens or Cathay by March 2022.
ATMs: 2,700+ with Citizens Bank; 37,000+ with Cathay Bank, including those in the MoneyPass network.
About 1,000 with Citizens Bank in 12 states, with high concentrations in Massachusetts, New York and Pennsylvania.
Around 60 with Cathay Bank in nine states, primarily concentrated in California.
Learn more: Citizens Bank review
12. Citizens Bank
Though Citizens Bank has relatively few ATMs, customers can get service at about a thousand branches in the Midwest and Northeast.
Branches: 900+ in 12 states, with high concentrations in Massachusetts, New York and Pennsylvania.
Learn more: Citizens Bank review
KeyBank offers the fifth-largest ATM network of the banks on this list, as well as branches in over a dozen states.
ATMs: 40,000+, including those in the Allpoint network. The bank’s premium account offers unlimited rebates on out-of-network ATM fees.
Branches: 1,000+ in 16 states, with high concentrations in New York, Ohio and Washington.
Learn more: KeyBank review
14. Huntington National Bank
Huntington National Bank has a fair number of branches, but its presence is mainly in the Midwest.
ATMs: 1,700+; some or all out-of-network ATM fees are reimbursed with select accounts.
Branches: 1,300+ locations in 12 states, with high concentrations in Michigan and Ohio.
Learn more: Huntington Bank review
15. Ally Bank
Ally is available online only, and is one of just two banks on this list without any branches. Customers can access their cash for free via the fourth-largest ATM network on this list.
ATMs: 43,000+; up to $10 in out-of-network ATM fees reimbursed each statement cycle.
Learn more: Ally Bank review
» How does a bank in the top 10 stack up against a bank in the bottom 10 of this list? Check out our comparison of PNC Bank vs. Ally Bank
16. First Republic Bank
First Republic Bank offers the fewest branches of the brick-and-mortar banks on this list. It’s located mostly in California.
ATMs: None, but cash withdrawals are free at any ATM with some checking accounts.
Branches: 72 locations across 10 states; mostly in California.
» Want to learn how your money is protected in a bank? Read about FDIC insurance
17. BMO Harris Bank
BMO Harris offers services at just a few hundred branches but provides free access to thousands of ATMs via the fifth-largest network on this list (tied with KeyBank).
ATMs: 40,000+ fee-free ATMs, including those in the Allpoint network.
Branches: 500+ in eight states, with high concentrations in Illinois and Wisconsin.
Learn more: BMO Harris review
18. Regions Bank
Regions Bank is mostly concentrated in a handful of Southern states. It offers over a thousand branches and a couple thousand ATMs.
ATMs: About 2,000.
Branches: 1,300+ locations in 15 states, with high concentrations in Alabama, Florida and Tennessee.
Learn more: Regions Bank review
19. Union Bank
Union Bank is one of the smaller institutions on this list when it comes to the number of branches and ATMs, with a presence only on the West Coast.
ATMs: 450+; for select accounts, no fees for using any ATM, plus up to two reimbursements for out-of-network ATMs per statement period.
Branches: About 300 in California, Oregon and Washington.
Learn more: Union Bank review
20. American Express National Bank
American Express National Bank is available online only. There are no checking accounts, so customers don't receive ATM cards. But, savings rates are among the best you’ll find online or elsewhere.
ATMs: No ATM cards provided.
Learn more: American Express National Bank review
» Interested in banks that offer a sign-up bonus for new accounts? Check out our best bank promotions
Biggest banks with the most branches
If you’re looking for one of the largest banks that’s accessible for in-person customer support, consider the biggest banks with the most locations in the U.S.
Rank (by domestic assets)
Approximate number of branches
Number of states with locations
36 and Washington, D.C.
48 and Washington, D.C.
Bank of America
37 and Washington, D.C.
Truist (merger of BB&T and SunTrust)
17 and Washington, D.C.
27 and Washington, D.C.
15 and Washington, D.C.
Fifth Third Bank
Biggest banks with the most ATMs
If having access to quick and free cash withdrawal is a priority for you, consider the biggest banks that offer the largest ATM networks.
Rank (by domestic assets)
Approximate number of in-network ATMs
Fifth Third Bank
BMO Harris Bank
Bank of America
Wells Fargo Bank
Banks are ranked according to the size of their domestic assets, including deposit accounts, loans, mortgages and credit card accounts. This data is accurate as of June 30, 2021, according to the latest information from the Federal Reserve.