Best Banks in Georgia
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On the hunt for a new bank in Georgia? Look no further than this helpful list of the best banks in Georgia.
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Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer 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 07/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- 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.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Business Checking Account - $400 Bonus
- Open a new Truist Simple Business Checking or Dynamic Business Checking account online, via phone, or in a branch from 4/1/2025 through 9/30/2025 and earn $400 by making Qualifying Deposits* of $2,000 or more into your new account within 30 days of account opening. Must be a new Truist business checking client, Terms Apply.
- Enrollment in the promotion is required at the time of account opening using promo code SB25Q2BIZAFL to be eligible for a promotion reward. Refer to the Account Opening & Promotion Enrollment sections below for instructions.
- *Qualifying Deposits for new business checking accounts exclude debit card credit transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.
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
Picking a new bank can be hard.
And you have no shortage of banking options in Georgia.
Fortunately, you don't have to go it alone. In this guide, review the most noteworthy banks serving Georgia customers. See your best options for checking, savings, and more, below.
High-Yield Savings Account - 4.32% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
CIT Bank Platinum Savings - 4.00% APY
- 4.00% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
The Best Banks in Georgia
We looked at a variety of factors to find the best banks in Georgia, including accounts offered, interest rates, and convenience.
Let's dive in and see which banks in Georgia really are the best.
- Truist Bank: Best Regional Bank
- Wells Fargo: Best National Bank
- CIT Bank: Best Online Bank
- Chase: Best for Checking
- Bank of America: Best Mobile App
- Regions Bank: Best Local Bank
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $60 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
Non-US citizens can open bank accounts in Georgia, or US in general. However, it can be tough since not all banks are accommodating. You usually have to be already residing in the country, whether permanently or temporarily. For example, Bank of America requires ITIN and proof of US address if you're a foreign student or professional. Best to check directly with the specific bank or credit union.
Truist Bank: Best Regional Bank
Truist Bank has 328 branches in the state of Georgia, rivaling even big national banks. In fact, they have 46 branches in Atlanta alone.
Truist offers a range of personal banking services, including four checking accounts, a prepaid money account, and a range of savings and money market accounts.
Truist's checking accounts, including Dimension Checking, Truist Bright Checking, and Truist Fundamental Checking all have a minimum opening deposit of $50 and a monthly service fee ranging from $5 to $20. [1]
However, it's possible to waive those fees on the first two by maintaining specific balances or meeting other requirements.
They also have a free checking account for students under 23, with mobile banking access.
If you're in the market for a loan, Truist offers a variety of those too. You can take out a home or auto loan, a line of credit, and boat and RV loans, as well as other personal loans. Truist also offers investing and retirement accounts.
Personal Checking Account - $400 Bonus
Open a new Truist One Checking account online. Use promo code TRUIST25DC400 at account opening. Set up and receive at least two qualifying direct deposits totaling $1,000 or more within 120 days of account opening.
Wells Fargo: Best National Bank
Sometimes a regional bank isn't enough to satisfy your needs. If that's the case, consider Wells Fargo, our pick for the best national bank in Georgia.
Wells Fargo has over 275 locations in the state, which means wherever you are in the state, you won't be far from banking services.
And if you're frequently on the move, the bank has 4,900 branches across the U.S., and 12,000 ATMs.
Wells Fargo stands out for their wide variety of personal banking services, including:
- Personal checking account (with easy-to-waive fees)
- Savings accounts
- Debit and credit cards
- Home, auto, student loans (and more)
- Investing and retirement accounts
- Wealth management services
Wells Fargo is also a solid pick for small business owners.
According to reports from the Small Business Administration (SBA), Wells Fargo is one of the most active SBA 7(a) lenders. Wells Fargo provides its own business loans too.[2]
Small business owners will also appreciate the Wells Fargo Business Choice Checking account with an easy-to-waive fee. Just sign up for Wells Fargo Payroll Services or Merchant Services or make 10 debit card purchases a month.
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
CIT Bank: Best Online Bank
CIT Bank, now a division of First Citizens Bank, is another popular online bank that offers a range of services for Georgia residents to take advantage of.
They offer fairly high returns on deposits into their savings accounts, including their CIT Savings Connect and Platinum Savings account.
Their RampUp CDs ensure that if CIT adjusts their rates, you have one opportunity to increase yours as well. Meanwhile, Jumbo and No-Penalty CDs offer moderate returns with fewer requirements.
CIT also offers home loans.
Self-Directed Investing - Up to $750 Bonus
Open a new Self-Directed Investing account through First Citizens Wealth. Make an initial funding deposit of at least $1,000 not on deposit with CIT Bank and maintain the initial opening deposit for a 60-day qualifying period after account opening date. The bonus will depend on the initial funding amount and will be deposited into the customer's Savings or eChecking account within 30 days following the initial 60-day qualifying period.
| Initial Deposit | Bonus Amount |
|---|---|
| $1,000 - $4,999 | $25 |
| $5,000 - $9,999 | $50 |
| $10,000 - $49,999 | $100 |
| $50,000 - $99,999 | $200 |
| $100,000 - $249,999 | $350 |
| $250,000+ | $750 |
This offer is only available to CIT Bank customers with an existing savings or eChecking account.
Chase: Best for Checking
If you want the convenience of mobile banking services, along with the ability to head down the street and step into a local branch, Chase may be the right fit for you.
Chase has over 80 locations in Georgia with plans to add more, and more than 4,700 branches and more than 15,000 ATMs in the U.S.
And if you're not in range of a branch, account management is easy via their desktop site or mobile banking app.
Chase checking accounts provide access to their branches and ATMs and online banking services, as well as Autosave automatic transfers. Here's a few of their popular accounts to consider:
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $60 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase College Checking℠ - $125 Bonus
- Enjoy $125 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- $0 Monthly Service Fee while in school up to the expected graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
- Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
- With Zelle®, you can send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank.
- With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly.
- JPMorgan Chase Bank, N.A. Member FDIC
Chase Private Client Checking℠ - Up to $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch to get started.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker and 24/7 access to a U.S. based banking service line.
Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000. - No fees at Chase and non-Chase ATMs worldwide.
- No Chase fee on incoming or outgoing wire transfers.
- Get higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDeposit℠ limits.
- Relationship rates which may make you eligible for a 0.25% auto loan rate discount, and access to events, including cultural and sporting events, family experiences, and financial seminars.
- Enhance your relationship with J.P. Morgan Wealth Management and partner 1:1 with a dedicated J.P. Morgan Private Client Advisor who can create a personalized financial strategy and custom investment portfolio. Get a holistic view of your banking and investing, and make seamless transfers between accounts with the Chase Mobile® app.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: •
Bank of America: Best Mobile App
Of course, when it comes to national banks, Wells Fargo isn't your only option. Bank of America, the second largest banking institution in the US after JP Morgan Chase[3] also has a strong presence in Georgia, with over 80 locations in the state, all told.
Bank of America provides a solid mix of traditional brick-and-mortar banking and online services through their easy-to-use mobile app. Retail customers can open checking and savings accounts, apply for credit cards and home or auto loans, or get started investing through Merrill, a division of Bank of America.
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer 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 07/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- 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.
Regions Bank: Best Local Bank
Regions Bank is a good choice for those looking to secure financial services with a bank from the local area. Regions is based in Georgia's neighbor to the west, in Birmingham, Alabama, and has 150 branches and 183 ATMs in the state of Georgia.
Regions combines local expertise with a broad reach, operating 1,454 branches across 16 southern and midwestern states. That means they'll understand you better as a customer than some national banks will, while still offering service should you travel or move within the region.
Services offered by Regions Bank include checking and savings accounts, credit cards, investment accounts, and can be accessed in person as well as online or through their mobile app.
Regions Bank: Personal Checking Account - $300 Bonus
Open a new personal LifeGreen Checking account. Make $1,000 or more in qualifying ACH direct deposits that post to your account within 90 days of account opening. Enroll in Online Banking within 90 days of account opening. Registration to this offer by June 30, 2025 is required to qualify for the bonus.
Regions Bank: Business Referral Program - $150 Bonus
Referred business must open a new Regions business checking account within 90 days of receiving the invite. Opening deposit should be $500 or more. Within 60 days of account opening, complete at least one Visa Business CheckCard purchase that posts to the new account, and enroll in Online Statements through Regions Online Banking.
Credit Union in Georgia
Credit unions are member-owned, not-for-profit financial cooperatives that provide a range of products and services just like conventional banks. Membership eligibility typically depends on location, employment, or affiliations.
To date, around 100 credit unions operate in Georgia, several of which are headquartered in Atlanta.
One of them, Wings Credit Union, offers a high-yield savings and a free checking account. Everyone can practically become a member; you just have to make a one-time donation of $5 if you don't meet the eligibility requirements.
Wings Credit Union: Savings Account - $100 Bonus
Members aged 16-22 who enroll and complete all listed classes and score at least 80% on their post test will receive a $100 reward. $100 will be deposited to their Share Savings account.
Wings Credit Union: Referral Program - $50 Bonus
Receive $50 VISA Reward Card for every successful referral you make. Referred client must establish membership, open a new checking account, and complete qualifying activities within 60 days of account opening. Referred clients will also receive $50 VISA Reward Card after completing requirements.
Navy Federal Credit Union is the country's largest credit union in terms of total assets and membership. You can join whether you're an active or retired member of the military, or an immediate family member of someone who is. It has a large fee-free ATM network and operates branches in 30+ states, including Georgia.
LGE Community Credit Union: Personal Checking Account - $350 Bonus
Open a new High Rewards Checking account. Use promo code LGE2025 at account opening. Deposit a minimum of $250 within 90 days of account opening. Set up an ACH transaction. Complete 15 debit or credit card transactions totaling $500 or more.
Delta Community Credit Union: Personal Checking and Savings Account - $250 Bonus
Open a new savings and checking account. Use offer code SEG250_86 at account opening. Set up and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening. Complete 10 or more Visa debit card transactions within 90 days of account opening.
How to Choose the Best Bank in Georgia
Just like you're laying down roots in Georgia, your money also needs a financial home. Here's what to consider when choosing the right bank:
Accessibility
Convenience is key. Choose a bank with branches close to your home and work, so you have easy access to ATMs and in-person support.
Checking and savings accounts
Pick a bank with the accounts and features you need. For example, some banks' checking accounts may have overdraft assistance or free budgeting tools.
Monthly fees
Some banks (especially traditional banks) charge a monthly fee unless you maintain a certain minimum balance or meet other criteria. This doesn't have to be a dealbreaker, as long as you can easily meet the requirements.
Additional services
Looking for more than banking? Banks usually also offer credit cards, loans, investment tools, and small business products. Look into the bank's other services if you want a one-stop-shop.
Fifth Third Bank: Personal Checking Account - $350 Bonus
Open a Fifth Third Momentum® Checking, or Preferred Checking account. Make direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Bottom Line
There are several excellent banking options for Georgia residents, regardless of their preferences and individual needs. For those who prefer online banking with high interest rates, an account with CIT is a solid choice.
For those looking for a local bank, Truist, formerly SunTrust, has strong ties to the state.
And for those looking for a national bank with the widest range of services, Chase and Wells Fargo both provide access to extensive networks of branches and ATMs.
References
- ^ Truist. Personal Checking Accounts, Retrieved 04/22/2025
- ^ SBA.gov. 100 most active SBA 7(a) lenders, Retrieved 04/22/2025
- ^ Federal Reserve Board. Large Commercial Banks, Retrieved 04/22/2025
Jeremy Harshman is a creative assistant at CreditDonkey, a bank comparison and reviews website. Write to Jeremy Harshman at jeremy.harshman@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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