Chase: $2.62 trillion

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.

Bank of America: $2.39 trillion

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.

Wells Fargo Bank: $1.76 trillion

Wells Fargo is the bank with the most branches. But of the top three largest banks, Wells Fargo offers the fewest number of ATMs.

Citibank: $1.01 trillion

Citibank has one of the fewest numbers of branches of banks on this list, but it does have a massive domestic network of ATMs.

U.S. Bank: $552B

U.S. Bank offers thousands of ATMs and about half as many branches as the top three banks on this list.

 PNC Bank: $547B

In 2021, PNC Bank acquired BBVA USA. PNC Bank now has branches in over half of the country.

 Truist Bank: $528B

Truist Bank is the result of the 2019 merger of BB&T and SunTrust Bank. It has the fifth-highest number of branches of any bank on this list, with locations on the East Coast, in the Midwest and in the South.

TD Bank: $424B

TD Bank’s physical reach is less widespread than that of other large banks. Its ATMs and branches are available only along the East Coast.

Capital One: $381B

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.

Fifth Third Bank: $210B

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.

Citizens Bank: $188B 

Though Citizens Bank has relatively few ATMs, customers can get service at about 1,000 branches in the Midwest and Northeast.

HSBC Bank USA: $188B

Though it currently sits at No. 12 on this list, HSBC will soon be closing its U.S. retail banking business. Citizens Bank and Cathay Bank agreed to purchase HSBC’s banking business on the East and West coasts, respectively. Savings, checking and loan customers’ accounts were transferred to either Citizens or Cathay in February 2022.

 KeyBank: $184B

KeyBank offers the fifth-largest ATM network of the banks on this list (tied with BMO Harris) as well as branches in over a dozen states.

First Republic Bank: $181B

First Republic Bank offers the fewest branches of the brick-and-mortar banks on this list. It’s located mostly in California.

Huntington National Bank: $173B 

Huntington National Bank has a fair number of branches, but its presence is mainly in the Midwest.

Ally Bank: $173B 

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.

BMO Harris Bank: $167B

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).

Regions Bank: $162B

Regions Bank is mostly concentrated in a handful of Southern states. It offers over a thousand branches and a couple of thousand ATMs.

Union Bank: $128B

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.

 American Express National Bank: $126B

American Express National Bank is available online only. In early 2022, the bank launched its Rewards Checking Account, available to consumers who’ve had an American Express credit card for at least three months. And the bank’s savings rates are among the best you’ll find online or elsewhere.