Banks with Locations in All 50 States

No bank has branches in all 50 states—not even giants like Chase and Bank of America. Yet, they, and a few others, come pretty close. See which ones.

Limited banking access while you're in another state can get frustrating fast. Especially when there's no branch nearby and the out-of-network ATM fees start piling up.

Sure, online banking helps. But some transactions—like updating your account details—still require in-person visits.

While there's no bank with locations in all 50 states, the ones in this guide come close. Learn where they operate and what else they offer besides a widespread branch network.

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

• The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
• The offer is for new checking customers only.
• Offer expires 1/31/2026.
• To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.

  Cash Bonus	Total Qualifying Direct Deposits
  $100	$2,000
  $300	$5,000
  $500	$10,000+

• If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
• Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
• Additional terms and conditions apply. See offer page for more details.
• *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
• Bank of America, N.A. Member FDIC.

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Expires 1/31/2026

Member FDIC

HSBC Premier - Earn Up to $3,000

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• $1,000 New Money Cash Bonus when you deposit or invest³ $100,000 or more and maintain balances for 3 consecutive months; and/or
• $1,500 Mortgage and New Money Cash Bonus when you complete a new HSBC U.S. residential mortgage application by September 30, 2025, with mortgage funding by December 31, 2025, AND deposit or invest $200,000 or more and maintain balances for 3 consecutive months. Customers who qualify for the $1,500 cash bonus will automatically qualify for the $1,000 cash bonus.

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Expires in 5 days

Member FDIC

Rewards Checking - Up to 3.30% APY

• Build your own APY with up to 3.30% APY*
• Zero monthly maintenance fees
• Zero overdraft or NSF fees
• Zero minimum monthly balance reqs
• No initial deposit requirement
• Unlimited domestic ATM fee reimbursements
• Online debit card management
• Simple, 3-step process for direct deposit

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7 Banks with Locations in Most States

You'll notice the most visible banks in the country are the ones with the largest assets as well.

Let's start with the reigning champ.

Chase: For Lower 48

• State locations: 48 states
  
• Branches: Over 4,700
  
• ATMs: 15,000+ Chase ATMs

Chase is the quintessential big bank with literally the most money—it's the largest bank in total assets in the US. It's no wonder you can find Chase branches in every state, minus Alaska and Hawaii. But its massive physical presence is only one part of its appeal.

Chase offers a one-stop-shop for your financial needs, from banking to credit cards to investments.

Chase Total Checking®, its most popular account, has no minimum opening deposit and easy requirements to waive the monthly fee. A helpful perk is Chase Overdraft Assist℠, which can spare you from overdraft fees if you're only slightly overdrawn by $50 or less.

They also offer a range of other checking options, including a second-chance account, debit card for kids, and private client banking for high-net-worth customers.

The highly-rated Chase Mobile® app lets you easily manage your money on the go. You can receive and send payments, set up autosave, budget, manage credit cards, and more.

Plus, Chase frequently offers bonuses for new customers, so check out their current promotions before opening an account.

Pros:

• Over 4,700 branches & 15,000+ Chase ATMs nationwide
  
• Variety of checking options and financial products
  
• Free checking for kids and students
  
• Highly rated mobile app

Cons:

• Requirements to waive monthly fee
  
• Low interest rates on savings accounts

Wells Fargo: For Western Region

• State locations: 36 states plus DC
  
• Branches: Approximately 4,100
  
• ATMs: 11,000+ ATMs across the country

Wells Fargo is another national bank with extensive state coverage. It has full-service branches in 36 states, with heavy concentrations in CA, FL, and TX. It's also one of the few big banks that operates branches in Alaska.

Wells Fargo is an excellent choice for simple checking accounts. Its Everyday Checking offers essential features like overdraft services, digital banking, and check-writing. While it has a monthly fee, there are several ways to waive it.

For those new to banking or looking for a second-chance account, Clear Access Banking is also worth considering. It is a checkless account with a debit card, digital banking access, and online bill pay—but no overdraft protection.

Plus, Wells Fargo boasts access to 11,000+ ATMs across the country and digital wallet compatibility for easy, on-the-go payments.

No matter which account you choose, you can also enjoy added security with Wells Fargo’s 24/7 Fraud Monitoring. This keeps a close eye on your account and sends alerts about suspicious activity, giving you peace of mind.

Wells Fargo Everyday Checking Account - $325 Bonus

• Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
• Wells Fargo Bank, N.A. Member FDIC

Learn More

Expires 10/15/2025

Pros:

• 24/7 customer support online
  
• Second-chance checking account available
  
• Interest-earning checking accounts available

Cons:

• Low interest rates on checking accounts

Bank of America: For Major States

• State locations: 38 states plus DC
  
• Branches: 3,700 financial centers
  
• ATMs: Approximately 15,000+ ATMs

Bank of America or BofA is another big bank with a dominating presence. Especially in California, where 700+ of its financial centers are. But if you live in the Midwest or South, you might need to drive farther since there aren't too many around.

Bank of America offers various checking accounts to suit different needs. The most popular Advantage Plus Banking account is easy to get started, with simple ways to waive the monthly fee.

They also offer family accounts, a checkless option with no overdraft fees, and a premium banking account.

Bank of America also stands out for its digital tools. Their highly-rated mobile app^[1] includes a Spending and Budgeting Tool that tracks your money habits and identifies where you’re overspending.

There's also Erica, the AI-powered virtual assistant, that can help manage bill payments, track your FICO score, lock your card, and more.

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Learn More

Expires 1/31/2026

• The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
• The offer is for new checking customers only.
• Offer expires 1/31/2026.
• To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.

  Cash Bonus	Total Qualifying Direct Deposits
  $100	$2,000
  $300	$5,000
  $500	$10,000+

• If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
• Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
• Additional terms and conditions apply. See offer page for more details.
• *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
• Bank of America, N.A. Member FDIC.

Pros:

• Wide range of products
  
• Excellent mobile app with helpful digital tools
  
• Added perks with Preferred Rewards

Cons:

• Low interest rates on savings accounts
  
• Miscellaneous banking fees

PNC: For Eastern Region

• State locations: 27 states plus DC
  
• Branches: 2,200+ locations
  
• ATMs: approximately 60,000 PNC and partner ATMs

PNC has branches in 27 states, with the majority located in Texas (310+) and Pennsylvania (260+). Its partnership with Allpoint® also gives you access to surcharge-free ATMs in thousands of major retailers and pharmacies nationwide.

But what sets PNC Bank apart is its Virtual Wallet, which brings together 3 accounts in one. You have Spend for everyday expenses, Reserve for short-term goals, and Growth for long-term savings.

And whether you get the basic Virtual Wallet or upgrade it, you get perks like higher interest-earning potential (on the Growth account), ATM fee reimbursements, and more.

Plus, PNC's top-rated mobile app makes managing your finances simple. You can track spending, set savings goals, monitor your budget, and receive low-balance alerts. With this, you're always in control of your money, no matter where you are.

Pros:

• Extended fee-free ATMs
  
• Useful digital banking tools
  
• Second chance banking

Cons:

• High overdraft fee
  
• Branches aren't nationwide

U.S. Bank: For Midwest

• State locations: 26 states
  
• Branches: 2,000+ branches
  
• ATMs: 4,700+ U.S. Bank ATMs across the country

U.S. Bank is another big bank whose presence spans 26 states. You'll find most of its branches in the Midwest and nearby states in the West.

It's ideal for everyday banking, especially with the U.S. Bank Smartly Checking account. You can enjoy a Visa debit card and access to over 40,000 MoneyPass ATMs nationwide.

Their highly-rated mobile app helps keep you in control of your money. Get tools to track spending, set budgets, plan for goals, and monitor your credit. You can even link accounts from other banks to see a clear view of your finances.

While there’s no minimum balance required to maintain the account, maintaining a higher balance is one way to waive the monthly fee. The fee is also automatically waived for youth ages 13–17, young adults ages 18–24, seniors aged 65 and older, and military personnel.

Alternatively, the U.S. Bank Safe Debit Account is a simpler option than traditional checking. It’s a checkless checking account and has no overdraft fees—perfect for those who prefer to manage spending with more control.

Pros:

• Extensive ATM network
  
• 24/7 customer support
  
• Free student checking account
  
• Various savings accounts, CDs, and MMAs available

Cons:

• Higher minimum balance to waive monthly fee
  
• High balance requirement to earn good savings APY

BMO: For West Coast

• State locations: 24 states
  
• Branches: 981 branches
  
• ATMs: 40,000+ BMO and Allpoint ATMs

BMO is a major bank that started in Canada but has been doing business in the country for more than a century. So, it isn't surprising that it has an expansive branch network in the US, spanning 24 states.

It also combines forces with Allpoint to make up for its limited branch presence in some areas, greatly increasing its fleet of ATMs. And they're not just in the US and Canada, but also in Mexico, the United Kingdom, and Australia.

BMO offers a variety of bank accounts for both personal and business clients. The BMO Smart Advantage Checking and Savings Builder, in particular, are popular. Both don't have monthly fees, and you'll only need $25 to open either one.

It can also be a great fit if you frequently travel between Canada and the US. Its US Cross-Border Banking solutions come with unified accounts, quick wire transfers, and tailored wealth management. This makes managing your money in both countries easier and more convenient.

Pros:

• Free checking option
  
• Full-service banking
  
• Overdraft protection program

Cons:

• Low interest rates on savings
  
• Customer service isn't 24/7

Truist: For Southern Region

• State locations: 17 states plus DC
  
• Branches: 1,900+ branch locations
  
• ATMs: 2,800+ ATMs

Truist—the product of a merger between BB&T and SunTrust Banks—has branches across 17 states. You'll find the highest concentration in the South, Mid-Atlantic, and parts of the Midwest.

Truist keeps its checking options and requirements simple. Its Truist Confidence Account has a low monthly fee, which you can waive by doing 10 qualifying debit card transactions. These include payments, withdrawals, and purchases per statement cycle.

Meanwhile, the Truist One Checking account's monthly fee is higher. But you can still waive it through multiple ways, like making enough direct deposits or linking a Truist small business checking account.

It also has better features than the Confidence account, like optional overdraft protection and a higher negative balance buffer. Many banks set this at $50, but with Truist, you can overdraw the account up to $100.

Pros:

• Full-service banking
  
• $100 negative balance buffer
  
• Tiered rewards program for account balances

Cons:

• Limited free checking
  
• High overdraft fee

Bonus: Navy Federal Credit Union

• State locations: 30 states plus DC
  
• Branches: 360+ branches
  
• ATMs: 360+ Navy Federal and more than 30,000 CO-OP Network ATMs

Navy Federal Credit Union covers more states than any other credit union, with locations often near military bases. It serves active duty, retired, and veteran military personnel from all branches of the Armed Forces. As well as their immediate family members.

If you qualify, you can get nationwide access with a little help from Navy Federal's partnership with CO-OP ATMs. It even has international branches, usually in countries with US military bases like Greece and Japan.

As a member-centric organization, Navy Federal Credit Union offers better deposit rates than traditional banks. Most checking accounts have no monthly fees (except Flagship) and include free standard paper checks. Some, like Free Active Duty and Free Easy Checking, also reimburse out-of-network ATM fees.

Pros:

• Multiple free checking options
  
• Competitive CD rates
  
• 24/7 live support

Cons:

• Limited membership
  
• Few branches overall

How to Choose the Right Bank

While branch availability is important, it's just one piece of the puzzle. Consider these other key factors to help you find a bank that aligns better with your financial needs:

• Fees
  What types of fees does your bank have? Monthly fees are the most common, but banks may also charge fees for wire transfers, cash deposits, overdrafts, etc. Check how much they charge for transactions you're likely to do frequently. These costs can add up quickly and erode your balances.

• Online banking
  Can you do most of your banking activities online? Choose banks with reliable, feature-rich, and secure digital platforms. This way, you only need to visit a branch for complex matters or when you need more hands-on support.

• Customer support
  Is it easy to reach your bank? If you encounter account irregularities or problems, like potential fraud or reporting a stolen card, having responsive and efficient service is crucial.

• ATM network
  Does your bank have accessible ATMs? If not, check if it can reimburse out-of-network ATM charges. The best banks often do so, especially if they have a small ATM network.

• Product variety
  Sometimes, you need more than just a checking or savings account, like loans or investment products. Check if your bank has what you need and if it offers better rates or reduced fees for existing clients.

Methodology

We didn't find a bank that has physical locations in all 50 states, so we identified the top 7 banks with the most state coverage instead. Meaning they have branches in more states than other banks.

We also considered other benefits like a wide variety of checking and savings accounts, convenient digital tools, extensive ATM networks, and more. This ensured our list would still be relevant and useful, even if it didn't meet the main criteria.

	Member FDIC	Member FDIC	Member FDIC
	Visit Site	Learn More	Learn More
	Chase	Wells Fargo	Bank of America
	SPECIAL OFFER Chase First Banking - Learn More	SPECIAL OFFER Wells Fargo Everyday Checking Account - $325 Bonus	OFFER Bank of America Advantage Banking - Up to $500 Cash Offer
Locations	Over 4,700	approximately 4,100 retail banking branches coast to coast	3,700 financial centers
ATMs	15,000+ Chase ATMs	11,000+ ATMs across the country	Approximately 15,000+ ATMs
Customer Service	Automated service available 24/7	Available 24 hours a day, 7 days a week.	Monday -Friday: 8AM - 9PM ET Saturday: 9AM - 6PM ET Sunday: 8AM - 5PM ET
Mobile App	iOS & Android	iOS & Android	iOS & Android
	Visit Site	Learn More	Learn More
	Chase First Banking Referral Program - Up to $500 Bonus
Chase: Pricing information and data points from published website as of 08/26/2025. Wells Fargo: Pricing information from the published website as of 09/21/2025 is based on the 91101 zip code. Bank of America: Pricing information from published website as of 09/22/2025 based on 91107 zip code.

Bottom Line

Although no bank has branches in all 50 states, Chase comes closest with branches in all of the lower 48.

Some banks dominate significant regions, like Wells Fargo in the West and PNC Bank in the East. Others, like BMO, team up with big ATM networks to expand their reach instead.

But beyond multi-state availability, these banks also cater to a wide variety of needs. Compare them to find the one that best fits your lifestyle and financial goals.

References